Facebook-f Instagram Youtube Phone-alt Whatsapp
Buying Downpayment & LTV

Downpayment & LTV calculator

See exactly what you'll need upfront — for HDB, resale private, or a new launch. The deposit, the CPF/cash split, Cash Over Valuation, stamp duty timing, and for new launches, the full progressive payment schedule.

Your figures
If your price is above valuation, the difference (Cash Over Valuation) is cash-only.
Both must be paid in cash — they can't come from CPF. Defaults update with your property type and price; edit if your actual figures differ.
Stamp Duty & Fees
HDB requires disposing of any other property within 6 months of completion, so ABSD is auto-remitted as a 1st property — SC pays 0%, PR pays a flat 5%.
CPF is used for this by default if there's enough left after your downpayment and stamp duty — otherwise it falls to cash.
Your Position
For joint applications, ages and income are used to work out your income-weighted average age (IWAA), which determines when your tenure pushes you into a lower LTV tier — they don't affect your downpayment amount directly.
Max 25 years for HDB.
Enter your total available CPF OA, combined for both applicants if buying jointly.
For an HDB Loan, each applicant can retain up to $20,000 — add both together if buying jointly (e.g. $20,000 + $10,000 = $30,000).
Total Cash Needed Upfront
S$0
Total CPF UtilizedS$0
Loan Amount (up to 75%)S$0
Full Breakdown — Cash vs. CPF
ItemTotalCPF UsedCash Used
Option + Exercise Fee (Deposit) CASH ONLYS$0—S$0
Additional Cash to Reach Minimum CASH ONLYS$0—S$0
Cash Over Valuation (COV) CASH ONLYS$0—S$0
Remaining DownpaymentS$0S$0S$0
Additional Buyer Stamp Duty (ABSD)S$0S$0S$0
Buyer Stamp Duty (BSD)S$0S$0S$0
Conveyancing FeeS$0S$0S$0
CPF Applied to Reduce Loan (HDB Loan Rule)S$0S$0—
Loan Amount LOANS$0——
TotalS$0S$0S$0
Balance CPF OA (Reserved, After This Purchase)S$0
About This Estimate
  • With an HDB Loan, the full 25% downpayment beyond the deposit can be CPF — there's no additional mandatory cash. Each buyer can save up to $20,000 in CPF OA; the balance has to be used to lower your loan amount.
  • With a Bank Loan, at least 5% of the valuation must be cash (the deposit usually covers most or all of this); the remaining 20% can be CPF or cash.
  • For resale private property, BSD (and ABSD, if applicable) must be paid in cash first — CPF can't lodge a caveat on a title still under the seller's name, so CPF reimbursement only comes through after completion.
  • Cash Over Valuation (COV) — any amount you pay above the property's valuation — is always cash, and applies to both HDB and private resale.
  • Maximum loan tenure is 25 years for an HDB Loan (or less if age 65 comes sooner — there's no lower-LTV stretch option, unlike a bank loan), 30 years for a Bank Loan on HDB, and 35 years for private property. For bank loans, LTV and cash requirements shift if your tenure or age at loan maturity pushes past 25 (HDB) or 30 (private) years.
  • This doesn't include legal fees. For a full stamp duty breakdown, see the Buyer Stamp Duty calculator.
Send These Numbers to Darren on WhatsApp
This opens WhatsApp with your figures pre-filled — you review and send it yourself. Nothing is sent automatically.
This calculator provides a general estimate only. Actual figures are determined by HDB, IRAS, CPF Board and your bank — verify with Darren or your loan officer.
A new EC always requires at least one SC applicant — IRAS fully remits ABSD whenever that's the case, so ABSD is S$0 here (provided any existing flat is disposed of within 6 months of key collection).
Max 35 years.
CPF is used for this by default if there's enough left after your downpayment and stamp duty — otherwise it falls to cash.
Assumes the standard progressive payment scheme and max 75% LTV secured. Prices don't have a valuation gap since they're set by the developer.
Total Cash Needed
S$0
Booking Fee (Cash Only)S$0
Total Downpayment (25%)S$0
Total CPF UtilizedS$0
Loan Amount (up to 75%)S$0
Stage%AmountFunded By
About This Estimate
  • The 5% booking fee must be cash — it can't come from CPF or a loan. Everything from S&P exercise onward can be CPF or cash, up until the loan starts drawing down.
  • BSD (and ABSD, if applicable) can be paid with CPF or cash straightaway — unlike resale private property, there's no cash-first requirement since CPF can lodge a claim on the Mortgage In Escrow.
  • Your bank loan only starts disbursing once your downpayment (100% − LTV) has been fully paid off — at a lower LTV, that takes longer to reach, so the loan kicks in later in the schedule. You pay interest only on what's been drawn down, not the full loan, until TOP.
  • Maximum loan tenure is 35 years for private and EC new launches.
Send These Numbers to Darren on WhatsApp
This opens WhatsApp with your figures pre-filled — you review and send it yourself. Nothing is sent automatically.
This calculator provides a general estimate only. Actual figures depend on the developer's specific payment schedule and your bank — verify with Darren or your loan officer.
What goes into this
Deposit & downpayment

Option and exercise fees, and the cash-only vs. CPF/cash split.

LTV by loan type

HDB Loan, Bank Loan, or new launch — each has a different cash rule.

COV & stamp duty timing

Cash Over Valuation, and when BSD needs to be cash-first.

Progressive payment schedule

For new launches — every stage from booking to CSC.

Working out if you have enough saved up? Send me your figures on WhatsApp
error: Content is protected !!

Get Your PrimeKey Analysis Report

Share what you’re considering. I’ll reply with a data-backed view and what to watch out for.

By submitting, you agree to be contacted for this request. Your details won’t be shared.

Register Your Interest