DIA calculator

A smaller payment now. A clearer picture of what you may need at keys.

1. Flat and future loan

Flat price (S$)Use the full purchase price before grants.Future household income (S$/month)Gross monthly income assumed at deferred assessment; a salary forecast is not an assessed income.Loan tenure (years)1–25 whole years. Use a shorter tenure if age or lease limits apply.Repayment interest (% p.a.)2.6% is an illustration, not a rate locked until key collection.

2. Money available

CPF available at signing (S$)Usable ordinary-account savings allocated to the initial downpayment.CPF available at keys (S$)Usable savings remaining AFTER signing, excluding grants. No CPF growth is forecast.Assumed grant at keys (S$)Default S$0. Scenario only, not a grant estimate. Grants above 95% of price need a separate HDB payment plan.Cash available at keys (S$)Cash set aside for the flat price, after initial payment and other costs.

Your payment picture

Illustrative HDB-loan scenario · rounded to the nearest dollar

At signing · 2.5% of flat price

$12,500

From your CPF: $0
Cash needed: $12,500

Gross initial downpayment. Any option-fee credit or refund is not modelled; do not add the option fee twice.

At keys · CPF and cash still needed

$112,500

From your CPF savings: $60,000
Cash needed: $52,500
Separate assumed grant: $0
Modelled housing loan: $375,000

$22,500 more cash needed beyond the amount you entered. Fees and other costs are additional.

After keys · estimated monthly instalment

$1,701 / month

25 years at 2.6% p.a., assumed unchanged.

Illustrative loan ceiling: $375,000
30% of entered income: $1,800 / month

Loan ceiling uses the lower of 75% of price and the loan supported by 30% of income at 3% assessment interest. Available CPF and the assumed grant may reduce the modelled loan.

This is not a loan offer or eligibility result. HDB may lend less after checking income, age, commitments, employment, lease and CPF usage. Higher future income does not guarantee a grant or HDB loan.

Check that this scenario fits

From July 2025, at least one partner must be a current full-time student or NSF, or have completed full-time studies or NS within 12 months before the HFE application. At HFE application, at least one partner must be aged 30 or below; the couple must be married or applying under the Fiancé/Fiancée Scheme, and at least one must be a first-timer. HDB verifies DIA at flat booking. Check HDB’s complete DIA conditions.

For uncompleted flats, income assessment is approximately three months before completion. The 2.5% initial downpayment for eligible couples began with the June 2024 sales exercise; before July 2025, both partners had to meet the student/NSF condition. This tool uses the later scenario only. Read HDB’s initial-downpayment announcement.

What the estimate includes

The initial payment uses cash and usable CPF savings. At keys, the assumed grant and remaining usable CPF reduce the balance before the modelled loan and cash payment. Grants are separate from your own CPF balance and are not assumed available at signing. Enter S$0 for the grant to test a scenario without one. Grants above 95% of price are outside this model: HDB requires at least 5% from your own cash/CPF in that case. Confirm the treatment of excess grants with HDB.

The monthly loan calculation uses monthly-rest amortisation. The assessment rate is the higher of 3% and the entered repayment rate. The model applies a 30% income limit and a 75% price cap; actual tenure is limited by 25 years, applicants’ average age and remaining lease. HDB’s concessionary rate is pegged 0.1 percentage point above CPF OA interest and reviewed quarterly. HDB loan and CPF-use rules.

Income ceilings are not tested here. HDB announced a family ceiling of S$16,000 for new HFE applications from 24 August 2026, up from S$14,000. Existing HFE holders should check the transition rules and the policies applicable to their application. Read HDB’s dated announcement and annexes.

Allow separately for stamp duty, legal fees, insurance, renovation, moving and an emergency reserve. This is a flat-price funding estimate, not the full cost of buying a home. HDB payments at signing.

Sources checked 7 September 2026. Future rules, income, approved grants and interest rates can change. Confirm your payment plan with HDB before committing.

Compare BTO locations on the map →