HDB cost calculator
Estimated costs
Enter the agreed purchase price.
Enter a price between S$1 and S$10,000,000.
Adjust assumptions ＋
Already included in your home price. Paid in cash.
Use your total eligible grant amount from your HFE letter.
Applied to the downpayment first, then the loan. Cannot cover COV or fees.
Default: 2.6% interest over 25 years.
What’s included in this estimate?
This illustration defaults to a 75% HDB loan over 25 years at 2.6% interest. Optional controls let you model other rates, tenures, COV and grants. Interest is held constant throughout; changing the rate does not switch the calculator to bank-loan rules. Your actual loan depends on your HFE letter, income, age and the flat’s remaining lease. Valuation is modelled as the entered purchase price minus COV. Grants offset the 25% downpayment first; any excess reduces the loan. This is an illustrative allocation, not a personalised CPF financing plan. Grants are capped at 95% of valuation for this illustration; actual eligibility and limits depend on HDB approval.
The S$3,000 fee allowance is a planning placeholder, not a quote. Additional buyer’s stamp duty, renovations, agent fees, insurance and ongoing ownership costs are excluded. Stamp duty uses the entered purchase price, assumed to be at least the market value. The upfront estimate is a total budget, not a payment schedule; CPF eligibility and payment timing vary.
Rate references: HDB housing loans · IRAS buyer’s stamp duty. Checked 9 October 2026.