How much home can I afford next?

Two figures every upgrader needs: the most the rules let you borrow, and a comfortable budget that leaves room for everything else. Plus the cash and CPF you would need upfront, with your sale proceeds counted in.

Your numbers

Tell us about your move

Do you own a home now?

Which comes first?

Your sale proceeds are added to your budget.

The home you’re selling

What are you selling?

Selling price you expect

Not sure? Use a recent sale in your block or development, or a rough figure. We can check the real number for you afterwards.Housing loan still owed

From your bank or HDB statement. Leave blank if fully paid.CPF used for this home

Amount to refund to CPF

In the CPF app: Home ownership → your property → the total to refund. It already includes the interest CPF adds.

Month you bought itYear you bought itOnly matters if you bought recently — selling within a few years can mean seller’s stamp duty.

Fees (typical figures — change if you know yours)

Agent fee

% of price

GST is added on top.Lawyer’s fees

Varies by firm.

The home you’re buying

What are you buying?

Household income per month

Before CPF and tax, all borrowers together.Other loan repayments per month

Car loan, personal loans, credit lines.

Age of main borrower

Cash savings for this

CPF Ordinary Account

In the CPF app, all buyers together.

Enter your selling price, income and age to continue.