Landed Haus — Buyer Tools
Landed Property Cash Needed Calculator (Singapore)
Estimate the real upfront cash required to purchase a landed home in Singapore — downpayment, Buyer's Stamp Duty (BSD), Additional Buyer's Stamp Duty (ABSD), CPF Ordinary Account offset, legal fees and renovation buffer, all in one place.
01
The Property
Start with the purchase price you are considering, or currently negotiating.
S$
IRAS computes Buyer's Stamp Duty on the higher of purchase price or market value.
02
Your Buyer Profile & ABSD Rate
This determines your Additional Buyer's Stamp Duty (ABSD) rate.
Counts all residential properties owned worldwide, including those held by your spouse, at the time of this purchase.
03
Financing & CPF
Set your loan profile to determine the maximum Loan-to-Value (LTV) limit set by MAS, and how much of your CPF Ordinary Account you can put towards the downpayment.
Loan tenure exceeds 30 years (35 for landed), or loan extends past age 65?
This lowers your maximum LTV limit under MAS rules.
%
Auto-set from MAS limits. You may override if your bank offers a different quantum.
%
The rest of the downpayment may be paid by CPF and/or cash.
S$
Amount in your (and any co-buyer's) CPF OA that can go towards the 20% CPF/cash portion of the downpayment. Note: for a resale private property, CPF generally cannot be used to pay BSD/ABSD upfront — cash is required first, with CPF reimbursement, if any, only applied for after completion.
04
Fees & Renovation Buffer
Optional, but essential for realistic cash planning.
S$
Typically S$2,500–S$10,000 for a resale purchase.
S$
Landed homes vary widely — set to 0 to exclude.
05
Your Cash Requirement Live
Recalculates instantly as you adjust the fields above.
Landed Haus — Cash Requirement Summary
Estimated Cash Needed Before Renovation
S$0
Cash downpayment + BSD + ABSD + fees, net of CPF OA applied — payable upfront
Purchase & Financing
Purchase Price
—
Loan-to-Value Applied
—
Maximum Bank Loan
—
Total Downpayment
—
— Minimum Cash Portion
—
— CPF and/or Cash Portion (remainder)
—
CPF Ordinary Account Applied
CPF OA Available
—
CPF OA Used Towards Downpayment
—
Additional Cash Needed (CPF OA Insufficient)
—
CPF OA Remaining After Downpayment
—
Stamp Duties — Payable in Cash First
Buyer's Stamp Duty (BSD)Tiered rate, 1%–6%. CPF reimbursement possible only after completion.
—
Additional Buyer's Stamp Duty (ABSD)
—
Total Stamp Duties
—
Fees
Legal & Valuation Fees
—
Total Cash Requirement
Minimum Cash Downpayment
—
+ Cash Top-up for CPF Shortfall (if any)
—
+ Total Stamp Duties
—
+ Legal & Valuation Fees
—
Cash Needed Before Renovation
—
+ Renovation / Repair Buffer
—
Total Cash to Prepare
—
Figures are estimates based on IRAS Buyer's Stamp Duty and Additional Buyer's Stamp Duty rates (in effect from 15 Feb 2023 and 27 Apr 2023 respectively) and MAS Loan-to-Value limits (in effect from 6 Jul 2018). CPF OA is netted only against the 20%-style CPF/cash portion of the downpayment, consistent with CPF rules — BSD and ABSD for a resale private property must still be paid in cash first, with CPF reimbursement (if eligible) applied for only after completion. Rates are subject to change by the Singapore Government. Verify current figures at iras.gov.sg, mas.gov.sg and cpf.gov.sg, or with your conveyancing lawyer and banker, before making financial decisions.
Important: This calculator provides general estimates for planning purposes only and does not constitute financial, legal or tax advice. Buyer's Stamp Duty and Additional Buyer's Stamp Duty rates are set by IRAS and Loan-to-Value limits are set by MAS; both are subject to change. CPF usage rules (including the Basic Retirement Sum set-aside and CPF Withdrawal Limit) may further restrict how much CPF OA can actually be applied to a property purchase, and are not modelled here. ABSD treatment can vary by nationality under Free Trade Agreements, marital status, and other exemptions or remissions that this calculator does not model. Landed property purchases may also be subject to Singapore Land Authority approval for foreigners under the Residential Property Act. Please verify all figures with IRAS (iras.gov.sg), MAS (mas.gov.sg), CPF Board (cpf.gov.sg), your conveyancing lawyer, and your bank before making any purchase decision.