Singapore Property Down Payment & Stamp Duty Calculator
Instantly estimate your total cash down payment, ABSD, BSD, CPF usage and monthly mortgage for an HDB flat or private condo in Singapore. Free, no sign-up, and updated for 2026 cooling-measure rules (75% LTV limit).
Cash Required Upfront
This is the amount you must pay in cash after utilizing your CPF.
Cost Breakdown
Property Price
$800,000
Stamp Duty (BSD + ABSD)
Buyer Stamp Duty Only
$18,600
Total Upfront Cost
$218,600
Loan & Repayment
Estimated Monthly
$2,722
@ 2.6% for 25 years
Max Loan Amount (75%)
$600,000
Downpayment (25%)
$200,000
Singapore Stamp Duty Rates (2026)
Buyer's Stamp Duty (BSD) applies to every residential purchase, charged on a tiered scale. Additional Buyer's Stamp Duty (ABSD) depends on your residency status and how many residential properties you already own. These are the exact rates used by the calculator above.
Buyer's Stamp Duty (BSD)
| Portion of price | BSD rate |
|---|---|
| First $180,000 | 1% |
| Next $180,000 | 2% |
| Next $640,000 | 3% |
| Next $500,000 | 4% |
| Next $1,500,000 | 5% |
| Amount above $3,000,000 | 6% |
Additional Buyer's Stamp Duty (ABSD)
| Buyer profile | 1st | 2nd | 3rd+ |
|---|---|---|---|
| Singapore Citizen | 0% | 20% | 30% |
| Permanent Resident | 5% | 30% | 35% |
| Foreigner | 60% | 60% | 60% |
Worked example: a $1,500,000 condo
A Singapore Citizen buying a $1.5M private condo as their first property pays a 25% down payment of $375,000 (of which a minimum 5% — $75,000 — must be in cash), plus $44,600 in BSD and no ABSD. That's roughly $419,600 upfront before any CPF is applied. A foreigner buying the same property would add 60% ABSD ($900,000) on top. Adjust the price and residency status in the calculator above to see your own numbers.
Common Questions about SG Property Costs
How is the 75% LTV Limit calculated?
As of the August 2024 cooling measures, the Loan-to-Value (LTV) limit for HDB loans was lowered to 75%, matching the bank loan limit. This means you can only borrow up to 75% of the property value or purchase price (whichever is lower). The remaining 25% must be paid as downpayment.
What is the minimum cash downpayment for a Condo?
For private properties (Condos/Landed), there is a mandatory minimum cash component of 5%. For example, on a $1M property, you must pay $50,000 in cold hard cash. The remaining 20% of the downpayment can be paid using your CPF Ordinary Account (OA).
Do I have to pay ABSD?
Additional Buyer's Stamp Duty (ABSD) depends on your residency and property count. Singapore Citizens pay 0% on their first home, but 20% on their second. PRs pay 5% on their first home. Foreigners pay a flat 60% ABSD on any residential property purchase.
Can I use CPF for Stamp Duty?
Yes, you can generally use CPF OA to pay for Buyer's Stamp Duty (BSD) and ABSD. However, for resale private properties, you often need to pay the stamp duty in cash first and then apply for a reimbursement from CPF, which requires temporary cash liquidity.