CPF Housing Withdrawal Calculator (2026)
See how much CPF OA you can use for your property downpayment and monthly instalments.
What is the CPF Housing Withdrawal Calculator?
The CPF Housing Withdrawal Calculator estimates how much of your CPF Ordinary Account you can use for a property purchase in Singapore. It accounts for the Valuation Limit, Withdrawal Limit, and downpayment rules for both HDB flats and private properties as set by the CPF Board.
See how much CPF OA you can use for your property purchase
Quick Reference
- • HDB loan: 10% downpayment, fully payable by CPF OA (80% LTV)
- • Bank loan (HDB): 25% downpayment, minimum 5% cash (75% LTV)
- • Private property Withdrawal Limit: 120% of lower of price or valuation
- • Accrued interest on CPF used must be refunded at 2.5% p.a. upon sale
How CPF Housing Withdrawal Works
Your CPF Ordinary Account (OA) can be used for property purchases in Singapore, but the amount you can withdraw depends on the property type, the Valuation Limit (VL), and any applicable Withdrawal Limit.
The Valuation Limit is the lower of the purchase price or the market valuation of the property. For HDB flats with an HDB loan, you can use CPF OA for up to 100% of the downpayment. For bank loans, you need at least 5% cash for HDB and 5% cash for private (first property).
For private properties, the Withdrawal Limit is set at 120% of the lower of the purchase price or valuation. Once this limit is reached, further loan repayments must be made in cash. Accrued interest at 2.5% p.a. must be refunded to your OA when the property is sold.
HDB Flat (HDB Loan)
10% downpayment, fully payable by CPF OA
Up to 80% LTV
HDB Flat (Bank Loan)
25% downpayment, minimum 5% in cash
Up to 75% LTV
Private Property
25% downpayment, minimum 5% in cash (first property)
120% Withdrawal Limit applies
Frequently Asked Questions
How much CPF OA can I use for my housing purchase?expand_more
For HDB flats, you can use your CPF OA up to the Valuation Limit (VL) for the downpayment and up to the full purchase price (including VL) for monthly instalments. For private properties, CPF usage is capped at the Withdrawal Limit (120% of the lower of the purchase price or valuation).
What is the Valuation Limit (VL)?expand_more
The Valuation Limit is the lower of the purchase price or the market valuation of the property at the time of purchase. CPF OA can be used for the downpayment up to this limit. Any amount above the VL must be paid in cash.
Is CPF usage different for HDB and private properties?expand_more
Yes. For HDB flats, you can use CPF OA for up to 100% of the downpayment (minimum 10% of purchase price for HDB loan, or 25% for bank loan with at least 5% in cash). For private properties, the minimum cash downpayment is 5% (first property) or 25% (second property onwards), and CPF usage is subject to the Withdrawal Limit.
Can I still use CPF for housing after meeting the Basic Retirement Sum?expand_more
Yes. Once you have set aside the Basic Retirement Sum (BRS) in your Retirement Account, you can continue using your OA savings for housing. If your RA savings are below the BRS, a portion of CPF housing usage may need to be refunded to your RA when you sell the property.
Can I use CPF OA to pay my monthly home loan instalments?expand_more
Yes. You can use your CPF OA to service monthly home loan instalments for both HDB and private properties, subject to the Withdrawal Limit. Any accrued interest must be refunded to your CPF OA when you sell the property.
Sources
- • CPF Board (cpf.gov.sg) — CPF housing withdrawal rules, Valuation Limit, and Withdrawal Limit policies
- • HDB (hdb.gov.sg) — HDB loan eligibility, LTV limits, and downpayment requirements