Resale sellers and buyers

HDB sale proceeds

Estimate the cash left from a sale after the outstanding loan, the CPF refund and the selling costs you type. The CPF refund is restored to CPF. It is not cash you can withdraw, and it is not added to the cash figure.

If you are taking a second HDB concessionary loan, you can also illustrate the cash HDB generally takes into account. That illustration runs only when you explicitly use this estimate, or when you type a figure HDB or the completion account has stated. It is not an HDB assessment and it does not confirm a loan.

HDB housing loan page, updated 4 November 2026, read 7 November 2026. CPF refund and Ordinary Account retention follow the CPF pages linked below. Seller’s stamp duty is not calculated here. Type it in selling costs if you want it deducted, or use the stamp duty worksheet.

The sale

Sale price, with the cash deposit included once (S$) The cash deposit is already inside that sale price. Outstanding housing loan (S$)

Sellers on the CPF statements One seller Two sellers

Seller 1 required CPF refund (S$) Treat this price as market value.

At market value, CPF credits only the price left after the housing loan when that is less than the required refund. A cash top-up is not calculated.

Selling costs to subtract (S$) Sellers' age

Second HDB concessionary loan

This is about an earlier HDB housing loan, not a grant first-timer or second-timer. Resale clients who are not taking that second loan can stop at the cash and CPF figures.

Are you taking a second HDB concessionary loan? No Yes

If not that second loan

Ordinary Account

Optional. Each applicant is separate. Up to S$20,000 may be retained on an HDB loan, and that amount is not compulsory. A bank loan may retain any amount. Leave this unset if you only want the sale figures.

Applicants to illustrate One applicant Two applicants

Applicant 1

Do not enter this Ordinary Account The sale refund is already in this balance The sale refund is not in this balance

Enter the sale price, the outstanding loan, the required CPF refund and the selling costs. Type 0 where a deduction does not apply.

Where this sits

The Upgrade budget on Property Tools still calculates seller’s stamp duty inside its five steps. Its loan list is a bank loan, an HDB concessionary loan, or no loan. It does not split a first and a second HDB loan. The BTO affordability estimate still asks for verified cash proceeds on its one-applicant second-loan path. It does not read this page.

Upgrade budget · BTO affordability estimate · Stamp duty worksheet

Sources and limits

HDB decides the cash it uses, including where a court order or the manner of holding applies. This page does not confirm eligibility, a concessionary rate, a commercial rate, a grant, or a Full Retirement Sum top-up. Two applicants are illustrated separately. The BTO planner remains one applicant only.