Property Purchase Cost Summary

A printable one-page client summary: stamp duties, downpayment in cash and CPF, instalment, upfront cash.

Client And Property

Client name (optional)

Property address (optional)Shown on the printout only. Nothing is saved or sent.

Purchase price

Buyer profileFor joint buyers, choose the profile with the highest rate. Count every residential property already owned, in full or in part.

Loan

Type of loanAn HDB housing loan is for HDB flats only.

Bank loan runs past age 65, or is longer than 30 years (25 years for an HDB flat). A lower loan limit applies.

Loan amount

–

Interest rate

% a year

Today's rate for the package quoted. It can change.

Loan tenure

years

CPF Ordinary Account savings to use

All buyers combined. Enter 0 to pay everything in cash.

Use leftover CPF for stamp duty and legal fees

Other Costs

Legal fees

Use the law firm's quote.

Agent fee, with GST if any

Whatever was agreed. Enter 0 if none.

Valuation fee

Renovation budget

Prepared for:

Property:

Purchase price: – · –

Total upfront cash needed–

CPF needed upfront: –
Loan (– of price): –
Monthly instalment (–): –

The loan is above the – loan-to-value limit for this loan type (–). The downpayment would need to be larger.

The loan is larger than the price. Check the figures.

Stamp Duty

Buyer's Stamp Duty: –
Additional Buyer's Stamp Duty (–): –
Total stamp duty: –

Downpayment

Downpayment (price less loan): –
Of which cash (minimum –): –
Of which CPF: –

Bar: downpayment paid in cash (lighter) and from CPF (darker).

Who Pays What, Upfront

Item	Cash	CPF

Estimates for discussion, prepared on . Not an offer of financing and not financial advice. Confirm stamp duty with IRAS and loan terms with the lender.

What The Summary Adds Up

Stamp duty. Buyer's Stamp Duty is charged in bands, from 1% on the first $180,000 up to 6% on the part above $3 million. Additional Buyer's Stamp Duty is a flat percentage of the whole price that depends on the buyer's residency and how many homes they already own. Both are due within 14 days of signing the contract in Singapore.

Downpayment. The downpayment is the price less the loan. With a bank loan at the 75% limit, at least 5% of the price must be cash; the rest can come from CPF Ordinary Account savings. With an HDB housing loan the whole downpayment can come from CPF. Buyers with other home loans outstanding face lower limits and a 25% minimum in cash.

Upfront cash. The headline adds the cash part of the downpayment to stamp duty and legal fees not paid from CPF, plus the agent fee, valuation fee and renovation budget. Print the page to give the client one sheet with every figure on it.

Assumptions And Limits

Buyer's Stamp Duty uses the residential rates for documents dated on or after 15 Feb 2023; Additional Buyer's Stamp Duty uses the rates from 27 Apr 2023. Both are worked out on the price you enter. IRAS charges them on the price or the market value, whichever is higher.
No stamp duty remission or refund is applied (for example a married couple with a Singapore Citizen spouse, or nationals covered by a free trade agreement). Joint buyers pay the highest ABSD rate that applies to any one of them, so pick that profile.
Loan-to-value limits and the minimum cash downpayment follow MAS rules for bank loans and HDB's 75% limit for HDB housing loans. The limits apply to the price or the valuation, whichever is lower; any amount paid above valuation is cash and is not modelled. HDB may also pro-rate its limit for a short remaining lease.
CPF is applied to the downpayment first, after the minimum cash share, then (if ticked) to stamp duty and legal fees. In practice stamp duty is often paid in cash first and reimbursed from CPF. CPF usage limits such as the Valuation Limit and Withdrawal Limit are not checked.
The instalment assumes a level rate for the whole tenure. Whether the loan is approved depends on TDSR, MSR and the lender's own assessment, which this summary does not test. Agent fee, valuation and renovation are treated as cash.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.