Resale HDB Budget Calculator

Applicant Type

Families unlock higher grant tiers. Single applicants generally receive half the grant amount.

Target Flat Type

Determines your base CPF Housing Grant. 2-to-4 room flats receive $80k; 5-room/Exec receive $50k.

Proximity to Parents

Buying a flat within 4km of your parents' home or living together unlocks $20,000 to $30,000 in PHG grants.

Worked continuously for the past 12 months?Answer to include EHG

The Enhanced Housing Grant needs 12 months of continuous work before you apply, and you must still be working when you apply. Source: cpf.gov.sg

Gross Monthly Income

Combined average monthly income over the past 12 months. Dictates your grant eligibility and max loan capacity.

S$7,000

CPF Ordinary Account savings

Combined Ordinary Account funds available for the downpayment.

Cash Savings

Loan Period

Longer tenures reduce monthly installments but increase total interest paid.

25 Years

Estimated Property Budget

S$672,841

(Funding: S$442,841 Max Loan + S$100,000 CPF + S$50,000 Cash + S$80,000 Grants)

Total Eligible Grants

CPF Housing Grant

S$80,000

Enhanced Housing Grant for lower-income households

S$0

Not included yet. Answer the work question above to see if you qualify (cpf.gov.sg)

Proximity Housing Grant for living near parents

S$0

Most you can borrow from HDB (checked at HDB’s 3.0% floor; you pay 2.6% a year)

S$442,841

Estimated monthly repayment: S$2,009

*Estimates based on current pricing & grant eligibility. Calculated using bank rules on how much of your income can go to loans (TDSR/MSR). For a more exact figure, including extra stamp duties, book a slot below.

*Disclaimer: The amount does not include any additional costs such as stamp duties, legal fees, home protection insurance etc.

HDB Calculator Guide & FAQs

Here you can read all about computing your HDB budget including the Enhanced Housing Grant (EHG) and CPF limits.