Property Downpayment Calculator
Splits the downpayment into cash and CPF and shows the remaining loan.
Result
- Cash portion
- S$45,000.00
- CPF portion
- S$180,000.00
- Loan amount
- S$675,000.00
How to use the property downpayment calculator
- Enter the property price (S$).
- Enter the cash downpayment (%).
- Enter the cpf downpayment (%).
- The results update as you type, or press Calculate.
- Read the cash portion first, then the supporting figures below it.
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
Background
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.
The Total Debt Servicing Ratio limits monthly debt repayments to 55% of gross monthly income for any property loan, and the Mortgage Servicing Ratio limits the housing instalment to 30% of income for HDB flats and new executive condominiums. Banks apply a medium-term interest rate in these tests rather than the rate you will actually pay.
Frequently asked questions
How does the property downpayment calculator work?
It applies this formula: Loan = price × (1 − cash % − CPF %).
Should I rely on this before signing?
Use it to plan, then confirm the figures with your banker, lawyer or the IRAS stamp duty calculator before you exercise an option to purchase.