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Upfront Cash Needed to Buy Property (Singapore, 2026)

This calculator estimates your upfront outlay split into cash and CPF. It’s designed for planning and stress‑testing: tweak the assumptions to match your bank/HDB quote.

Inputs

Stamp duty varies by buyer profile. If you’re unsure, run the BSD/ABSD calculator and paste the amounts here.

Property price (SGD)

Preset (editable)

Loan-to-value (LTV, %)

Minimum cash downpayment (% of price)

BSD amount (SGD)

ABSD amount (SGD)

% of stamp duty paid by CPF

Other upfront fees (legal/agent/valuation, SGD)

Option fee / booking fee (cash, SGD)

Other cash-only items (renov deposit, etc, SGD)

Interpret this as planning minimum. Your actual cash/CPF split depends on your loan approval, valuation, and transaction specifics.

Breakdown

Component	Cash (SGD)	CPF (SGD)	Notes
Enter inputs and click Calculate.

Next steps

Property affordability calculator — check the monthly burden.
TDSR/MSR calculator — estimate your borrowing ceiling.
BSD/ABSD calculator — stamp duty budget by buyer profile.