Every dollar an HDB purchase asks for, in order.
The cash part of an HDB purchase is smaller than people fear — usually $5,120. Everything after that, CPF can carry. Follow the timeline the way HDB runs it and see exactly where each dollar comes from.
HDB concessionary rate
2.6% p.a.
Standard cash at offer
$5,120
MSR ceiling
30% income
Checked
7 Aug 2026
— Step 01 · Price & profile
Property priceAgreed resale price
$
$250k$600k$1M$1.5M$2M
Buyer profileSets ABSD and CPF accounts counted
— Step 02 · Buyers & CPF
Buyer A
Age
Gross monthly income
$
Buyer B
Age
Gross monthly income
$
Use CPF savings towards the purchase?
Buyer A · OA savings
Savings to use
$
Buyer B · OA savings
Savings to use
$
CPF is drawn down before the loan — HDB reserves your OA for stamp duty and legal first, then sizes the loan on what's left. You may retain up to $20,000 in each OA; enter only what you're prepared to use.
— Step 03 · Loan & completion
Loan source
Extension of stay requested by seller?
Flat typeSets resale application fee
ConveyancingHDB solicitors or private firm
Offset monthly mortgage with CPF OA?
Estimate only. IRAS BSD/ABSD and CPF OA allocation rates as published. Confirm with HDB and your lawyer before committing.
— Cash you must have
$0
Option, exercise, admin & any cash balance — before professional & legal fees
Loan amount · auto-sized
$0
— tenure and monthly instalment shown below.
Stage 01 · buying phase — cash only
Option fee
$0
Valuation fee
$0
Exercise fee
$0
Stage 01 total
$0
Stamp duty
Buyer's Stamp Duty
$0
ABSD
$0
Stamp duty payable
$0
Loan
Tenure · rate
—
Monthly instalment
$0
MSR used · cap 30%
0%
Completion & fees
Resale application fee
$0
Conveyancing / legal
$0
Professional fees · 1% + 9% GST
$0
Admin allowance
$0
Downpayment balance
$0
— covered by CPF OA
$0
— balance in cash
$0
Stage 03 total
$0
Monthly · CPF OA offset
OA inflow · monthly
$0
Cash out of pocket, monthly
$0
Total outlay
$0
— Numbers are easier than decisions
Let me read this with you.
WhatsApp Ron
Book a 30-min call
No pitch. No pressure. Just questions answered.