Check How Much You Can Borrow →
Quick Answer
Start by writing down your purchase details: who will buy, what property you already own, current loans and whether a sale completes first. Your plan must pass two checks: how much you can borrow, and whether your cash and CPF cover the rest. For a made-up S$1 million first home, the non-loan share plus modelled BSD is S$274,600.
The Key Point: Your plan must pass two checks: how much you can borrow, and whether your cash and CPF cover the rest.
What Should You Write Down First?
Write down who will buy, what you already own, your housing loans and whether a sale completes first: these change duties and financing.
Gather your income, debts, cash and usable CPF. Keep emergency savings separate.
How Much Does A S$1 Million Home Need On Top Of The Loan?
Take a made-up S$1 million first home with a 75% loan. The loan leaves S$250,000, and Buyer’s Stamp Duty (BSD) adds about S$24,600: S$274,600 before legal, renovation and other costs.
The 75% loan and zero Additional Buyer’s Stamp Duty (ABSD) do not fit everyone.
- Part The Loan Does Not Cover: S$250,000
- Buyer’s Stamp Duty: S$24,600
- Loan (75%): S$750,000
- Price Plus Modelled BSD: S$1,024,600
Data as of . Source: MAS — loan tenure and loan-to-value limits; IRAS — stamp-duty rates.
Which Questions Should You Answer First?
Start with Borrowing Limits and Stamp Duty. First-flat buyers can use HDB Affordability. Sellers: read HDB Upgrade to separate cash proceeds from CPF refunds.
Buying resale? Any Cash-Over-Valuation is cash only: read What A Resale Flat Costs, then follow the Resale steps.
Why Is A Calculator Result Not An Approval?
Rent vs Buy compares options over time. Sell One Buy Two and Second Property cover narrow funding cases. None proves a deal is legal or a good investment. Get a dated payment plan and professional checks on financing and conveyancing.
Quick Check
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Card 1 Of 3
Your plan must pass two checks: how much you can borrow, and whether your cash and CPF cover the rest.
Why?
A loan limit says nothing about the cash and CPF needed for the rest of the price and the stamp duty.
Read: How Much Does A S$1 Million Home Need On Top Of The Loan?
Card 2 Of 3
For the made-up S$1 million first home, S$250,000 covers everything the loan does not.
Why?
That is still before legal, renovation and other costs. Zero ABSD is an assumption that does not fit everyone.
Read: How Much Does A S$1 Million Home Need On Top Of The Loan?
Card 3 Of 3
A calculator result means your purchase is approved.
Why?
Get a dated payment plan and professional checks on financing and conveyancing.
Your Score
Start With Your Numbers
Try the calculator with your own numbers. The guides linked in each section explain the details.
Check How Much You Can Borrow →Frequently Asked Questions
How Much Cash And CPF Do I Need For A S$1 Million Home?
For a made-up S$1 million first home with a 75% loan, the non-loan share is S$250,000.
Buyer’s Stamp Duty, as modelled, adds S$24,600. That makes S$274,600 before legal, renovation and other costs. The loan percentage and zero ABSD are assumptions that do not fit everyone.
Which Property Calculator Should I Use First?
Start with Borrowing Limits and Stamp Duty.
First-flat buyers can use HDB Affordability. Sellers can read HDB Upgrade to tell cash proceeds apart from CPF refunds. Rent vs Buy compares options over time. Sell One Buy Two and Second Property cover narrow funding cases.
What Information Should I Gather Before Using The Calculators?
Gather your income, debt repayments, cash and usable CPF.
Note who will buy, what property you already own, current housing loans and whether a sale will complete first. These facts change duties and financing. Keep emergency savings and moving costs out of the deposit money.
Does A Calculator Result Mean My Purchase Is Approved?
No.
No calculator proves a deal is legally possible or a good investment. Get a dated payment plan and professional checks on financing and conveyancing. Check the actual duty, CPF use and ownership rules.
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Sources & Assumptions
Sources checked 12 October 2026. These are examples only. Check the stated assumptions and limits before you use a result.
A planning checklist, not loan approval or legal advice. Check the actual duty, CPF use and ownership rules.