How to Calculate Property Downpayment in Singapore: A Step-by-Step Guide

Updated 5 Oct 2026 in Property & HDB

Splits the downpayment into cash and CPF and shows the remaining loan.

Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.

What you need

• Property price (S$)
• Cash downpayment (%)
• CPF downpayment (%)

Step by step

1. Enter the property price (S$).
2. Enter the cash downpayment (%).
3. Enter the cpf downpayment (%).
4. The results update as you type, or press Calculate.
5. Read the cash portion first, then the supporting figures below it.

The formula

Loan = price × (1 − cash % − CPF %).

Worked example

For example, with these inputs:

• Property price (S$): 900,000
• Cash downpayment (%): 5
• CPF downpayment (%): 20

the calculator returns:

• Cash portion: S$45,000.00
• CPF portion: S$180,000.00
• Loan amount: S$675,000.00

A second example

Now change the inputs to:

• Property price (S$): 1,125,000
• Cash downpayment (%): 5
• CPF downpayment (%): 20

the calculator returns:

• Cash portion: S$56,250.00
• CPF portion: S$225,000.00
• Loan amount: S$843,750.00

Practical tips

• HDB loans are capped at 25 years and must be fully repaid by age 65.
• A second housing loan drops the LTV limit sharply and raises the minimum cash downpayment to 25%.
• Stamp duty must be paid within 14 days of signing, so have the cash ready before you exercise the option.
• Budget for legal fees, valuation, renovation and moving costs on top of the downpayment and stamp duties.

Background

Beyond the price, buyers should budget for legal fees, valuation, home insurance, renovation and furnishing. Running the figures in advance helps you decide how much cash to hold back and whether a smaller loan or longer tenure makes more sense.

Stamp duties are paid upfront. Buyer's Stamp Duty applies to every purchase at tiered rates up to 6%, while ABSD depends on the buyer's residency status and how many residential properties they already own. Sellers who dispose of a property within the holding period pay Seller's Stamp Duty.

Most Singaporeans live in HDB flats, which can be financed with an HDB concessionary loan at 0.1% above the CPF Ordinary Account rate or with a bank loan. Private property must be financed with a bank loan, and banks offer fixed, floating and SORA-pegged packages.

Related calculations

• Additional Buyer's Stamp Duty (ABSD) Calculator: Calculates ABSD by buyer profile and the number of residential properties owned, using the rates in force since 27 April 2023.
• Total Property Stamp Duty Calculator: Adds BSD and ABSD together so you know the full stamp duty bill before you sign an option to purchase.
• Seller's Stamp Duty (SSD) Calculator: Calculates SSD for residential property bought on or after 4 July 2025 and sold within four years.
• HDB Loan Calculator: Calculates monthly repayments on an HDB concessionary loan, which is pegged at 0.1% above the CPF Ordinary Account rate (2.6% a year).

Want to skip the arithmetic? The free Property Downpayment Calculator does all of this instantly and updates as you type.

Run your own numbers: Property Downpayment Calculator