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Selling one home to buy another? See exactly how much additional cash and CPF you need beyond your sale proceeds, and what the new place costs you monthly.

For general reference only — not financial, legal, or tax advice.

Monthly cost —
Additional funds needed —

Your move

Your current home (selling)

$

Not sure what your property could fetch in today's market? Message Terence to talk through pricing strategy.

$

HDB loan: My HDBPage (Singpass) → My Flat → Purchased Flat → Financial Info. Bank loan: your bank's app/online banking, under your mortgage account, or your latest statement.

$

Find this at cpf.gov.sg (Singpass) → "my cpf" → Home Ownership → "Principal amount and accrued interest" — the same page also shows the accrued interest you'll need below.

Don't stress about being exact — this is a deliberately conservative estimate, so your real cash position is likely better than what's shown below, not worse. (It assumes your CPF went in as one lump sum years ago; if you've also paid your instalment via CPF since, your real accrued interest is lower.)

Selling costs

% + GST
$

Typically $2,000–$3,000 for a standard sale.

Your new home (buying)

$

You'll own only one property at the point of purchase: no ABSD, and standard LTV/cash limits apply.

Need help planning the timing of your sale? Message Terence.

%

How much of the price the bank lends you — the rest is your downpayment.

yrs

How many years you'll take to repay the loan.

% p.a.
$

Typically $2,500–$3,500, a little more if it involves a loan.

$

Cash only — CPF can't be used for renovation.

% + GST

For private property, this is usually 0% — sellers pay commission, and co-broking means buyers don't pay separately. For an HDB resale purchase, buyer's agents typically charge 1% + GST directly (not co-broked) — e.g. on a $2,000,000 purchase, 1% + GST works out to about $21,800. Enter the rate, not the dollar amount.

$

Only if your new home is an HDB resale flat — valuation, application, and admin fees.

Your monthly outgoings

$

Used only for the official 55% TDSR check, which looks at debt repayments alone — not maintenance or tax.

$
$
$

Varies widely by property type — roughly $20–$110/month for HDB (S&CC), $200–$800+ for condo/EC. Landed has no fixed monthly bill, but real upkeep (repairs, gardening, etc.) still costs you, just not as one line item. Enter $0 to leave it out, or your own estimate for a more accurate result.

$

What you already have

Do you have extra savings to put toward this, on top of your sale?

Monthly outgoings

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Your sale
Your purchase
Putting it together

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Sends your numbers directly — no forms, no waiting.

Terence Tan
Terence Tan CEA Reg. R064924A · PropNex Realty
This is a reference tool, not financial, legal, or tax advice. Terence is a CEA-registered real estate salesperson — not a licensed financial adviser — so for in-depth guidance on your specific numbers, message Terence directly, and verify financing details with your bank, CPF rules with the CPF Board, and legal matters with your lawyer.

Figures use Singapore's published BSD schedule (last revised Feb 2023), ABSD rates (last revised Apr 2023), TDSR limits, current LTV/cash tiers, mortgage stamp duty (0.4%, capped at $500), Seller's Stamp Duty where applicable (current 4-year schedule for purchases from 4 Jul 2025, or the older 3-year schedule before that), and 2.5% CPF OA accrued interest — verified June 2026. ABSD timing assumes the common married-couple remission scenario where applicable; if you're buying before your sale completes, message Terence to check your specific remission eligibility. Wait-out periods, MOP, and resale levy rules are noted where relevant but not all are modelled as dollar figures — message Terence if any of these apply to your situation. Rules, rates, and laws can change at any time, and this calculator may not reflect the latest version — please do your own due diligence and treat everything here as a reference point, not a final answer. This tool is also built around common scenarios and assumptions, so it may not capture every personal circumstance and could contain errors — please verify anything important for your own situation.