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Property down payment calculator (Singapore)
The full day-one bill for buying a Singapore property: the down payment at your LTV limit, the minimum cash portion vs what CPF OA can cover, Buyer's Stamp Duty and ABSD for your profile — plus the loan amount and estimated monthly repayment (including at the 4% stress-test rate). Add your income under Advanced options to check the loan clears TDSR/MSR.
Advanced optionsfree
Total upfront (down payment + duties)
S$419,600
Loan amount (75% LTV)S$1,125,000
Down paymentS$375,000
Minimum cash (5%)S$75,000
Payable from CPF OA (or cash)S$300,000
Buyer's Stamp DutyS$44,600
ABSD (0%)S$0
Est. repayment at 3% (30y)S$4,743/mo
At the 4% stress rateS$5,371/mo
Non-cash portion of the down payment payable from CPF OA.
Rates last verified 2026-06-11 against the primary sources on our methodology page. Screening estimates only — confirm with your bank/IRAS before committing.
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- How much down payment do I need in Singapore?
- With a first bank housing loan (75% LTV) the down payment is 25% of the price — at least 5% in cash, with the rest payable from CPF OA. A second loan needs 55% down (25% cash). An HDB concessionary loan needs 25% down, fully payable from CPF.
- What else do I pay upfront besides the down payment?
- Buyer's Stamp Duty (1–6% progressive) and, where applicable, ABSD by buyer profile (e.g. 20% for a Citizen's second property, 60% for foreigners) — plus legal fees of roughly S$2,500–4,000.
- Why is there a 4% 'stress-test' payment shown?
- Banks must verify you could still service the loan at a 4% interest rate when assessing TDSR, even if your package rate is lower. If the stress payment breaks the 55% cap, the loan size gets cut — so it's the number that actually constrains most buyers.