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Can we afford this HDB flat?

Enter your household once, pick a flat, and see the grants, loan, cash position and a step-by-step purchase journey, worked out against current HDB and MAS rules.

1
Step 1 of 3

Your household

Everything starts here. Grants depend on who's buying and what you earn; the loan depends on your age and income; the cash you need depends on what's already in CPF. These are reused by every other planner.
Applicant type
Citizenship mix
Combined income / mth
Age of youngest
Age of other buyer (optional)
Worked for the last 12 months?
CPF OA (combined)
Cash savings
Add your combined income and the youngest buyer's age to carry on.
2The flat
3Eligibility & financing
Your numbers light up here once you've finished step 1 of 3.

Tell us about your household first

Enter your combined income, CPF and savings on the left. Everything below is worked out from those numbers, so we'd rather leave it blank than guess for you.

Estimated purchase priceEstimate$720,000Indicative town guide
CPF housing grantsCalculatedAdd incomeGrants depend on income
Net price after grantsCalculatedAdd income
No loanCalculated$025 years at 2.6% · up to 75%
Monthly instalmentCalculated$0MSR 0.0% of income (cap 30%)
Cash needed at completionCalculated$539,400After CPF OA and grants are used

Grant breakdown

Add your income to see which grants you can get.

Cash & completion costs

Downpayment (price minus loan)$720,000
Buyer's Stamp Duty$16,200
Legal fees (estimate)$3,000
HDB valuation fee (cash)$120
Resale application fee (cash)$80
CPF OA and grants you can use$200,000
Cash savings on hand$0
Shortfall at completion$539,400

Your purchase journey

Every step from HFE letter to keys, with what you pay at each one — and how much of it has to be cash.

Cash you'll need$539,400From your bank account, before and at completion
From CPF & grants$200,000Paid straight to HDB or the lawyer
Then each month$0Loan repayment
  1. 10 Nov2026
    Get your HDB Flat Eligibility (HFE) letterNext
    until 15 Dec 2026

    Apply on the HDB Flat Portal. You need a valid HFE letter before a seller can grant you an Option to Purchase.

    Google Calendar
  2. 10 Nov2026
    Line up your loan
    until 15 Dec 2026

    Your HFE letter covers the HDB loan.

    Google Calendar
  3. 24 Nov2026
    View flats and agree a price
    until 22 Dec 2026

    Compare against recent sales in the block before you commit.

    Google Calendar
  4. 22 Dec2026
    Get the Option to Purchase

    The option fee, up to $1,000, is paid in cash.

    $1,000 cash
    Google Calendar
  5. 23 Dec2026
    Ask HDB for a valuation

    The $120 valuation fee is paid in cash.

    $120 cash
    Google Calendar
  6. 5 Jan2027
    Exercise the option

    Within 21 days of the OTP. Option and exercise fees together are capped at $5,000, all cash.

    $4,000 cash
    Google Calendar
  7. 6 Jan2027
    Resale application and HDB approval
    until 2 Mar 2027

    Submit on the HDB Flat Portal. The application fee is paid in cash. About 8 weeks to completion.

    $80 cash
    Google Calendar
  8. 12 Jan2027
    Pay stamp duty
    until 19 Jan 2027

    Due within 14 days of exercising. CPF can pay it, but usually only as a refund after completion, so have the cash ready.

    $16,200 cash
    Google Calendar
  9. 2 Mar2027
    Completion: collect your keys

    The rest of the downpayment and legal fees. CPF OA and grants are used here.

    $518,000 cash$200,000 CPF / grants
    Google Calendar
  10. 2 Apr2027
    First monthly loan payment

    Then the same each month. CPF OA covers it while there's money in it.

    Google Calendar
Apple Calendar and Outlook, with a reminder 3 days before each step. For Google, use the link on each step.

Assumes a $1,000 option fee and $4,000 exercise fee (the $5,000 maximum) and completion about 8 weeks after exercising. CPF OA and grants are used from completion onwards. Option and exercise fees, the valuation and application fees and stamp duty are shown as cash because they fall due before CPF can be released.

Your AI home-buying adviserIndependent — sees your numbers and this journey, and can rework the dates.