🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 177 (from laksa133)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa177.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.singsaver.com.sg/personal-loan/blog/hdb-downpayment-complete-guide\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.singsaver.com.sg/personal-loan/blog/hdb-downpayment-complete-guide\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide","crawl_time":1775552692,"first_indexed_time":1744369585,"http_code":200,"src_unparsed":"sg,com,singsaver!www,\/personal-loan\/blog\/hdb-downpayment-complete-guide s443","src_root_hash":"1354253889108504977","history_drop_reason":null,"meta_title":"HDB Downpayment Guide: Resale, BTO & Staggered Payment Scheme - SingSaver","meta_descriptions":["HDB downpayment for resale HDBs and BTOs is 20% with an HDB loan or from 25% with a bank loan. Learn about CPF usage, timelines, and first-time grants."],"attrs_boilerpipe_text":"For many prospective homeowners, accumulating enough for a down payment can be one of the most significant challenges in the home-buying journey. If you are purchasing a home for the first time, understanding the process and learning useful\ntips for first-time home buyers\ncan help you plan your finances more effectively. So, exactly how much should you aim to save? Let’s explore the key factors that influence the amount you'll need to set aside for your HDB home.\nA HDB down payment is the upfront amount you pay before securing a loan for the remaining cost of your flat. It can be paid in cash or through your CPF savings and varies based on your loan type—whether it's an HDB loan or a bank loan. The down payment percentage depends on the property price and lender’s conditions, influencing your overall financing options.\nSaver takeaways \nFlexibility in your down payment:\nWhile a larger down payment can lower your loan amount, a smaller one can help you keep cash for other expenses.\nConsider future expenses:\nIf the home needs renovations, a lower down payment can free up funds for upgrades.\nEmergency savings matter:\nKeeping extra cash on hand can be helpful for unexpected costs after moving in.\nHome improvements can build equity:\nUpgrades can increase your property's value, potentially helping you reach refinancing goals sooner.\nPMI isn't permanent:\nIf your home gains enough equity, you may be able to refinance and eliminate private \nmortgage insurance\n(PMI).\n» Read more on\nhow to save money for a flat before your 35th birthday\nMinimum down payments for different HDB flat types\nThe minimum \ndown payment required for a flat\ndepends on the loan type and the flat you're purchasing. Here's a breakdown of the down payment requirements based on the type of loan you choose.\nFlat type\nLoan type\nDown payment required\nPayment method \nWhen to pay \nBTO flats\nHDB loan\n20% of the purchase price\nCPF-OA or Cash\nDuring the signing of the lease agreement. \nIf on Staggered Downpayment Scheme, 5% during the signing of the lease agreement, 15% during the collection of keys.\nBank loan\na) 25% (for loans up to 75%)\nb) 45% (for loans up to 55%)\na) Up to 20% CPF. You must pay 5% in cash.\nb) Up to 35% CPF. You must pay 10% in cash.\nCheck with bank\nResale flats \nHDB loan\n20% of the purchase price\nCPF-OA or Cash\nUsing CPF: Upon confirming your financial plan through HDB Resale Portal\nCashier’s Order: At resale completion appointment\nBank loan \na) 25% (for loan up to 75%)\nb) 45% (for loan up to 55%)\na) Up to 20% CPF and 5% in cash.\nb) Up to 35% CPF and 10% in cash.\nCheck with bank\nExecutive Condos (EC) \nHDB loan\nNot applicable\nBank Loan\nHDB loan is not applicable\nBank loan \na) 25% (for loan up to 75%)\nb) 45% (for loan up to 55%)\na) Up to 20% CPF and 5% in cash.\nb) Up to 35% CPF and 10% in cash.\nCheck with bank\nDown payment requirements for a HDB loan\nBTO Flats with HDB Loan\nFor BTO flats, the down payment is 20% of the purchase price, which can be paid using your CPF Ordinary Account (CPF-OA), cash, or a combination of both. Typically, this payment is made when signing the Agreement for Lease. \nHowever, if you qualify for the \nStaggered Downpayment Scheme\n, you can split the payment into two parts: 5% when signing the lease agreement (around six months after booking the flat) and the remaining 15% when collecting the keys. This option helps ease the upfront financial burden for buyers.\nResale flats with HDB loan\nFor resale flats, the down payment remains at 20% of the purchase price, and buyers can pay using CPF-OA, cash, or a mix of both. \nThe key difference lies in the payment process: \nCPF payments are processed once financial plans are confirmed via the HDB Resale Portal. \nIf you’re paying with cash, you’ll need to submit a Cashier’s Order during the resale completion appointment.\nExecutive Condominiums (EC) with HDB loan\nIf you're purchasing an Executive Condominium (EC), you cannot take an HDB loan and will need to secure a bank loan instead. The down payment requirements for bank loans differ and will be covered in the next section.\nDown payment requirements for a bank loan \nBTO flats with bank loan\nFor BTO flats with a bank loan, the down payment can range from 25% to 45% of the purchase price, depending on the loan amount. \nIf your loan is up to 75% of the purchase price, you will need to pay 25% as a down payment. \nIf your loan is up to 55% of the purchase price, you will need to pay 45% as a down payment. \nThis remainder is paid when you collect your keys, and you can use your CPF, cash, or a combination of the two.\nResale flats with bank loan\nThe down payment for purchasing a resale flat with a bank loan can be quite substantial, ranging from 25% to 45% of the purchase price.\nFortunately, much of the down payment can be covered using your CPF-OA balance.\nIf your bank loan covers up to 75% of the purchase price, you will need a 25% down payment. At least 5% must be paid in cash, with the remainder covered by your CPF-OA.\nIf your bank loan is up to 55% of the purchase price, the down payment increases to 45%. In this case, at least 10% must be paid in cash, with the remaining 35% coming from your CPF savings.\nThese payment structures ensure flexibility, allowing you to use both cash and CPF to manage the down payment when purchasing a resale flat.\n» Find out about\nhow much you can borrow for your home loan in Singapore \nFactors that affect your HDB down payment\nWhen you're considering purchasing an HDB flat, several factors will influence the down payment you need to make. Here’s a breakdown of what to expect:\nType of loan\nHDB loan:\nRequires a 20% down payment for all flat types (BTO, resale).\nBank loan:\nOffers lower down payments of 25% for loans up to 75%, but a higher downpayment of 45% for loans up to 55%.\nNo loan options:\nFor ECs, HDB loans are not applicable, and you’ll have to use a bank loan.\nUsing CPF for your HDB down payment\nOne of the advantages of buying a flat in Singapore is the option to use your CPF Ordinary Account (CPF-OA) to pay for your down payment. \nCPF-OA\ncan be used to pay for most of the down payment, reducing the cash amount you need to pay.\nFor BTO and resale flats:\nYou can use up to 100% of the down payment with CPF funds, subject to CPF savings limits.\nStaggered Downpayment Scheme (SDS)\nIf you're purchasing a BTO flat, you may benefit from the Staggered Downpayment Scheme, which allows you to pay your down payment in two stages: \nPay 5% at the signing of the lease agreement and 15% when collecting your keys.\nApplies to BTO flats only and allows a split payment, reducing the immediate financial burden.\nThis scheme helps ease the immediate financial burden of the full down payment, spreading it out over a longer period.\nProperty type (BTO, Resale, EC)\nThe type of flat you choose will also impact your down payment: \nBTO: 20% down payment, can be paid using CPF.\nResale: Also 20% downpayment, CPF allowed, but cashier’s order for cash payments.\nEC: No HDB loans allowed; bank loan downpayment varies from 25% to 45%.\nGovernment schemes and assistance\nIf you’re a\nfirst-time homebuyer\n, you may be eligible for various government assistance schemes that help reduce your down payment. These programmes are designed to make homeownership more accessible, so it’s worth checking if you qualify for any assistance before proceeding with your purchase. \nHow much can you borrow for your HDB loan?\nThe amount you can borrow for your HDB flat is mainly determined by the Loan-to-Value (LTV) ratio, which reflects the percentage of the flat’s purchase price or valuation that the bank or HDB is willing to lend you. Currently, the LTV for HDB loans is capped at 80%, meaning you'll need to pay at least 20% of the purchase price from your own funds (either in CPF or cash).\nSeveral other factors also influence the loan amount you can qualify for:\nFinancial profile:\nThis includes your income level, employment stability, and creditworthiness.\nCredit score:\nA higher score typically improves your borrowing capacity.\nExisting debts:\nIf you have other outstanding loans, including housing loans, it may reduce the amount you can borrow.\nAdditionally, the maximum loan ceiling is influenced by the loan tenure (the repayment period). The longer the tenure, the more you may be able to borrow, but if you have more than one housing loan, this could lower the loan amount you qualify for.\nEvaluating these factors is crucial to understanding how much you can borrow and ensuring your loan is manageable in line with your financial commitments.\nBenefits of a larger downpayment for your HDB\nMaking a larger down payment on your home offers several advantages:\nMore equity in your home right away:\nA larger down payment means you own a bigger share of your property from the start, giving you more\nhome equity\nand security.\nLower monthly mortgage payment:\nThe higher your down payment, the smaller your loan amount. This results in lower monthly\nmortgage payments\n, which can ease your financial burden.\nWhen do you need to pay your HDB down payment?\nNow that you know the downpayment amounts for different HDB flats and scenarios, you may be wondering when exactly you need to pay it.\nFlat type\nHousing loan type\nWhen to pay down payment?\nBTO flats\nHDB loan\nDuring signing of lease agreement. \nIf on Staggered Downpayment Scheme, 5% during signing of lease agreement, 5% during collection of keys.\nResale flats\nHDB loan\nUsing CPF: Upon confirming your financial plan through HDB Resale Portal\nCashier’s Order: At resale completion appointment\nBTO, resale or EC\nBank loan\nCheck with your bank on the payment schedule\nExploring CPF usage for your HDB down payment\nThe Central Provident Fund (CPF) is an essential tool for home financing in Singapore, especially for your down payment. Here’s how you can make use of your CPF savings:\nUsing CPF for down payment\nHDB housing loan \nDownpayment\n: At least 25% of the purchase price, which can be paid in full using your CPF Ordinary Account (OA), with cash, or a combination of both.\nMaximum loan amount\n: Up to 75% of the purchase price for new flats. For resale flats, it is 75% of the resale price or market valuation (whichever is lower).\nUse of OA savings\n: You must use the available savings in your OA for the purchase of the flat before an HDB housing loan is granted for the remaining amount. \nBank housing loan\nDownpayment\n: 25% of the purchase price, with 5% payable in cash and the remaining 20% payable in cash or your CPF OA savings.\nMaximum loan amount\n: Up to 75% of bank valuation or purchase price (whichever is lower). \nUse of OA savings\n: You can set aside any amount of CPF and pay your bank housing loan with cash instead.\nFirst-time buyer incentives\nIf you’re a first-time homebuyer, you can take advantage of several incentives to make your home purchase more affordable:\n1. First-Timer Priority Scheme\nPriority schemes enhance your chances in the computer ballot for flats offered in the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. You may apply for 1 priority scheme to enhance your chances in the ballot, if your household meet the eligibility conditions at the point of your HFE letter application.\n2. Enhanced CPF Housing Grant (EHG)\nUp to $80,000 for eligible first-timer families and up to $40,000 for singles, depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old. This is given on top of the CPF Housing Grant\n3. Proximity Housing Grant (PHG)\nIf you’re buying a flat to live near your parents or children, you can receive up to S$30,000 if you purchase a resale flat in close proximity to them.\n» Read on to find out\nhow much you need to buy your first home in Singapore ","attrs_markdown":"[![logo](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/63_Sing_Saver_a9c4501be5.svg)](https:\/\/www.singsaver.com.sg\/)\n\n![logo](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/63_Sing_Saver_a9c4501be5.svg)\n\n## Credit Cards\n## Insurance\n## Loans\n## Banking\n## Investments\n[Blog](https:\/\/www.singsaver.com.sg\/blog)\n\n[Reward Tracker](https:\/\/www.singsaver.com.sg\/user\/account\/dashboard)\n\n[Credit Cards](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[Compare](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[Best Credit 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Banking](https:\/\/www.singsaver.com.sg\/banking\/blog\/priority-banking-singapore-guide)\n\n[Priority Banking Resources](https:\/\/www.singsaver.com.sg\/banking\/blog\/how-priority-banking-can-help-you-to-grow-your-wealth)\n\n[Net Worth Calculator](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/how-to-calculate-net-worth-singapore)\n\n[Priority Vs Private Banking](https:\/\/www.singsaver.com.sg\/blog\/priority-banking-and-private-banking-differences)\n\n[SCB Vs UOB Priority Banking](https:\/\/www.singsaver.com.sg\/blog\/standard-chartered-vs-uob-priority-banking)\n\n[HSBC Premier Vs Citigold](https:\/\/www.singsaver.com.sg\/blog\/priority-banking-comparison-hsbc-premier-vs-citigold)\n\n[Guides](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[What are Debit Cards](https:\/\/www.singsaver.com.sg\/blog\/what-is-a-debit-card)\n\n[Debit Card vs Credit Card](https:\/\/www.singsaver.com.sg\/credit-card\/blog\/debit-cards-versus-credit-cards-in-singapore)\n\n[Priority Banking Guide](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/priority-banking-singapore-guide)\n\n[Different Bank Account Types](https:\/\/www.singsaver.com.sg\/blog\/the-differences-between-bank-account-types-that-you-need-to-know)\n\n[Alternatives To Saving Accounts](https:\/\/www.singsaver.com.sg\/banking\/blog\/best-alternatives-to-savings-accounts-singapore)\n\n[POSB Debit Card Review](https:\/\/www.singsaver.com.sg\/credit-card\/blog\/passion-posb-debit-card-yuu-app-rebates)\n\n[OCBC Frank Debit Card Review](https:\/\/www.singsaver.com.sg\/credit-card\/blog\/ocbc-frank-credit-card-the-perfect-card-for-gen-z)\n\n[Investments](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[Stocks](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[Compare Singapore Stocks Investment Accounts](https:\/\/www.singsaver.com.sg\/investments\/sgx-stocks)\n\n[Compare US Stocks Investment Accounts](https:\/\/www.singsaver.com.sg\/investments\/us-stocks)\n\n[Monthly Dividend Stocks](https:\/\/www.singsaver.com.sg\/investment\/blog\/best-monthly-dividend-stocks-to-consider)\n\n[Blue Chip Stocks](https:\/\/www.singsaver.com.sg\/investment\/blog\/blue-chip-stocks-singapore-guide)\n\n[Best SREITs](https:\/\/www.singsaver.com.sg\/credit-card\/blog\/best-sreits-singapore-for-your-investment-portfolio)\n\n[Best Gold Stocks](https:\/\/www.singsaver.com.sg\/investment\/blog\/best-gold-stocks)\n\n[CFD & Forex](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[Compare CFD Investment Accounts](https:\/\/www.singsaver.com.sg\/investments\/cfd)\n\n[Best CFD Brokers](https:\/\/www.singsaver.com.sg\/blog\/best-cfd-brokers)\n\nWhat Are CFDs\n\n[CFDs vs Stocks](https:\/\/www.singsaver.com.sg\/blog\/stocks-vs-cfds)\n\n[Compare Forex Investment Accounts](https:\/\/www.singsaver.com.sg\/investments\/forex)\n\nWhat Is Forex Trading\n\n[Brokers](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\nCompare Robo Advisors\n\n[Best Brokerage Accounts](https:\/\/www.singsaver.com.sg\/investments\/online-brokerage)\n\nMoomoo\n\n[Longbridge](https:\/\/www.singsaver.com.sg\/investment\/products\/longbridge)\n\n[Webull](https:\/\/www.singsaver.com.sg\/investment\/products\/webull-singapore)\n\n[Tiger Brokers](https:\/\/www.singsaver.com.sg\/investment\/products\/tiger-brokers)\n\n[IG](https:\/\/www.singsaver.com.sg\/investment\/products\/ig-asia)\n\n[Plus500](https:\/\/www.singsaver.com.sg\/investment\/products\/plus500)\n\n[Guides](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n[How To Start Investing](https:\/\/www.singsaver.com.sg\/investment\/blog\/how-to-start-investing-in-singapore-a-beginners-guide)\n\n[Best Ways To Invest](https:\/\/www.singsaver.com.sg\/blog\/best-ways-to-invest-money)\n\n[Best Investments For Beginners](https:\/\/www.singsaver.com.sg\/investment\/blog\/investments-for-beginners)\n\n[How To Invest In Mutual Funds](https:\/\/www.singsaver.com.sg\/investment\/blog\/a-guide-on-how-to-start-investing-in-mutual-funds-for-beginners)\n\n[How To Buy Stocks](https:\/\/www.singsaver.com.sg\/investment\/blog\/how-to-buy-stocks-in-singapore-online-for-beginners)\n\n[What Is a Brokerage Account](https:\/\/www.singsaver.com.sg\/investment\/blog\/what-is-a-brokerage-account)\n\n[Best Investment Platforms](https:\/\/www.singsaver.com.sg\/investment\/blog\/a-complete-review-of-the-best-investment-apps-and-platforms-in-singapore-for-beginners-students)\n\n[Blog](https:\/\/www.singsaver.com.sg\/blog)\n\n[Reward Tracker](https:\/\/www.singsaver.com.sg\/user\/account\/dashboard)\n\nLog in\n\n\/[Personal Loans](https:\/\/www.singsaver.com.sg\/personal-loan\/blog)\/[Blog](https:\/\/www.singsaver.com.sg\/blog)\/[How much down payment do you need for your HDB?](https:\/\/www.singsaver.com.sg\/personal-loan\/blog\/hdb-downpayment-complete-guide)\n\n# How much down payment do you need for your HDB?\nUpdated: 1 Apr 2026\n\nThe amount you will need for a HDB down payment in Singapore varies depending on a few key factors, such as the type of loan you choose, the lender’s requirements, and your personal financial situation.\n\n![](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/medium_9442_HDB_downpayments_0d5b6c6e53.webp)\n\nFor many prospective homeowners, accumulating enough for a down payment can be one of the most significant challenges in the home-buying journey. If you are purchasing a home for the first time, understanding the process and learning useful [tips for first-time home buyers](https:\/\/www.singsaver.com.sg\/blog\/things-first-time-home-buyers-must-know) can help you plan your finances more effectively. So, exactly how much should you aim to save? Let’s explore the key factors that influence the amount you'll need to set aside for your HDB home.\n\n[![SingSaver Personal Loan Cashback Offer](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/l_25_0574_IN_ARTICLE_BLOG_BANNER_1440x1080_KV_1_V1_0a58ca3470.png)](https:\/\/www.singsaver.com.sg\/personal-loan?cms_amount=50000&cms_tenure=36)\n\n### [SingSaver Personal Loan Cashback Offer](https:\/\/www.singsaver.com.sg\/personal-loan?cms_amount=50000&cms_tenure=36)\nEnjoy one of the lowest interest rates from 1.00% p.a. (EIR from 1.93% p.a.) and up to S\\$1,900 in cashback when you apply for a personal loan via SingSaver. Valid till 15 April 2026. [T\\&Cs apply](https:\/\/singsaver.link\/pl-rewards-campaign).\n\n[Compare Loans Here](https:\/\/www.singsaver.com.sg\/personal-loan?cms_amount=50000&cms_tenure=36)\n\n## What is a HDB down payment?\nA HDB down payment is the upfront amount you pay before securing a loan for the remaining cost of your flat. It can be paid in cash or through your CPF savings and varies based on your loan type—whether it's an HDB loan or a bank loan. The down payment percentage depends on the property price and lender’s conditions, influencing your overall financing options.\n\n### **Saver takeaways**\n- **Flexibility in your down payment:** While a larger down payment can lower your loan amount, a smaller one can help you keep cash for other expenses.\n\n- **Consider future expenses:** If the home needs renovations, a lower down payment can free up funds for upgrades.\n- **Emergency savings matter:** Keeping extra cash on hand can be helpful for unexpected costs after moving in.\n- **Home improvements can build equity:** Upgrades can increase your property's value, potentially helping you reach refinancing goals sooner.\n- **PMI isn't permanent:** If your home gains enough equity, you may be able to refinance and eliminate private [mortgage insurance](https:\/\/www.singsaver.com.sg\/home-insurance) (PMI).\n\n**» Read more on [how to save money for a flat before your 35th birthday](https:\/\/www.singsaver.com.sg\/blog\/how-to-save-money-for-a-flat-before-your-35th-birthday)**\n\n## Minimum down payments for different HDB flat types\nThe minimum [down payment required for a flat](https:\/\/www.singsaver.com.sg\/blog\/hdb-downpayment-complete-guide) depends on the loan type and the flat you're purchasing. Here's a breakdown of the down payment requirements based on the type of loan you choose.\n\n|   |   |   |   |   |\n|---|---|---|---|---|\n| **Flat type** | **Loan type** | **Down payment required** | **Payment method** | **When to pay** |\n| **BTO flats** | HDB loan | 20% of the purchase price | CPF-OA or Cash | During the signing of the lease agreement.   If on Staggered Downpayment Scheme, 5% during the signing of the lease agreement, 15% during the collection of keys. |\n| Bank loan | a) 25% (for loans up to 75%)    b) 45% (for loans up to 55%) | a) Up to 20% CPF. You must pay 5% in cash.    b) Up to 35% CPF. You must pay 10% in cash. | Check with bank |   |\n| **Resale flats** | HDB loan | 20% of the purchase price | CPF-OA or Cash | Using CPF: Upon confirming your financial plan through HDB Resale Portal   Cashier’s Order: At resale completion appointment |\n| Bank loan | a) 25% (for loan up to 75%)    b) 45% (for loan up to 55%) | a) Up to 20% CPF and 5% in cash.    b) Up to 35% CPF and 10% in cash. | Check with bank |   |\n| **Executive Condos (EC)** | HDB loan | Not applicable | Bank Loan | HDB loan is not applicable |\n| Bank loan | a) 25% (for loan up to 75%)    b) 45% (for loan up to 55%) | a) Up to 20% CPF and 5% in cash.    b) Up to 35% CPF and 10% in cash. | Check with bank |   |\n### Down payment requirements for a HDB loan\n#### BTO Flats with HDB Loan\nFor BTO flats, the down payment is 20% of the purchase price, which can be paid using your CPF Ordinary Account (CPF-OA), cash, or a combination of both. Typically, this payment is made when signing the Agreement for Lease.\n\nHowever, if you qualify for the [Staggered Downpayment Scheme](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease), you can split the payment into two parts: 5% when signing the lease agreement (around six months after booking the flat) and the remaining 15% when collecting the keys. This option helps ease the upfront financial burden for buyers.\n\n#### Resale flats with HDB loan\nFor resale flats, the down payment remains at 20% of the purchase price, and buyers can pay using CPF-OA, cash, or a mix of both.\n\nThe key difference lies in the payment process:\n\n- CPF payments are processed once financial plans are confirmed via the HDB Resale Portal.\n- If you’re paying with cash, you’ll need to submit a Cashier’s Order during the resale completion appointment.\n#### Executive Condominiums (EC) with HDB loan\nIf you're purchasing an Executive Condominium (EC), you cannot take an HDB loan and will need to secure a bank loan instead. The down payment requirements for bank loans differ and will be covered in the next section.\n\n### Down payment requirements for a bank loan\n### BTO flats with bank loan\nFor BTO flats with a bank loan, the down payment can range from 25% to 45% of the purchase price, depending on the loan amount.\n\n- If your loan is up to 75% of the purchase price, you will need to pay 25% as a down payment.\n- If your loan is up to 55% of the purchase price, you will need to pay 45% as a down payment.\n\nThis remainder is paid when you collect your keys, and you can use your CPF, cash, or a combination of the two.\n\n#### Resale flats with bank loan\nThe down payment for purchasing a resale flat with a bank loan can be quite substantial, ranging from 25% to 45% of the purchase price.\n\nFortunately, much of the down payment can be covered using your CPF-OA balance.\n\n- If your bank loan covers up to 75% of the purchase price, you will need a 25% down payment. At least 5% must be paid in cash, with the remainder covered by your CPF-OA.\n- If your bank loan is up to 55% of the purchase price, the down payment increases to 45%. In this case, at least 10% must be paid in cash, with the remaining 35% coming from your CPF savings.\n\nThese payment structures ensure flexibility, allowing you to use both cash and CPF to manage the down payment when purchasing a resale flat.\n\n**» Find out about [how much you can borrow for your home loan in Singapore](https:\/\/www.singsaver.com.sg\/blog\/how-much-can-you-borrow-for-your-home-loan)**\n\n## Factors that affect your HDB down payment\nWhen you're considering purchasing an HDB flat, several factors will influence the down payment you need to make. Here’s a breakdown of what to expect:\n\n### Type of loan\n- **HDB loan:** Requires a 20% down payment for all flat types (BTO, resale).\n- **Bank loan:** Offers lower down payments of 25% for loans up to 75%, but a higher downpayment of 45% for loans up to 55%.\n- **No loan options:** For ECs, HDB loans are not applicable, and you’ll have to use a bank loan.\n### Using CPF for your HDB down payment\nOne of the advantages of buying a flat in Singapore is the option to use your CPF Ordinary Account (CPF-OA) to pay for your down payment.\n\n- **CPF-OA** can be used to pay for most of the down payment, reducing the cash amount you need to pay.\n- **For BTO and resale flats:** You can use up to 100% of the down payment with CPF funds, subject to CPF savings limits.\n### Staggered Downpayment Scheme (SDS)\nIf you're purchasing a BTO flat, you may benefit from the Staggered Downpayment Scheme, which allows you to pay your down payment in two stages:\n\n- Pay 5% at the signing of the lease agreement and 15% when collecting your keys.\n- Applies to BTO flats only and allows a split payment, reducing the immediate financial burden.\n\nThis scheme helps ease the immediate financial burden of the full down payment, spreading it out over a longer period.\n\n### Property type (BTO, Resale, EC)\nThe type of flat you choose will also impact your down payment:\n\n- BTO: 20% down payment, can be paid using CPF.\n- Resale: Also 20% downpayment, CPF allowed, but cashier’s order for cash payments.\n- EC: No HDB loans allowed; bank loan downpayment varies from 25% to 45%.\n### Government schemes and assistance\nIf you’re a [first-time homebuyer](https:\/\/www.singsaver.com.sg\/blog\/things-first-time-home-buyers-must-know), you may be eligible for various government assistance schemes that help reduce your down payment. These programmes are designed to make homeownership more accessible, so it’s worth checking if you qualify for any assistance before proceeding with your purchase.\n\n## How much can you borrow for your HDB loan?\nThe amount you can borrow for your HDB flat is mainly determined by the Loan-to-Value (LTV) ratio, which reflects the percentage of the flat’s purchase price or valuation that the bank or HDB is willing to lend you. Currently, the LTV for HDB loans is capped at 80%, meaning you'll need to pay at least 20% of the purchase price from your own funds (either in CPF or cash).\n\nSeveral other factors also influence the loan amount you can qualify for:\n\n- **Financial profile:** This includes your income level, employment stability, and creditworthiness.\n- **Credit score:** A higher score typically improves your borrowing capacity.\n- **Existing debts:** If you have other outstanding loans, including housing loans, it may reduce the amount you can borrow.\n\nAdditionally, the maximum loan ceiling is influenced by the loan tenure (the repayment period). The longer the tenure, the more you may be able to borrow, but if you have more than one housing loan, this could lower the loan amount you qualify for.\n\nEvaluating these factors is crucial to understanding how much you can borrow and ensuring your loan is manageable in line with your financial commitments.\n\n[![⚡SingSaver x Trust Personal Loan Flash Deal⚡](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/l_25_0602_IN_ARTICLE_BLOG_BANNER_1440x1080_KV_1_V1_01e24a7c90.png)](https:\/\/www.singsaver.com.sg\/apply-v2b\/15100)\n\n### [⚡SingSaver x Trust Personal Loan Flash Deal⚡](https:\/\/www.singsaver.com.sg\/apply-v2b\/15100)\nEnjoy low interest rates from 1.08% p.a. (EIR from 2.43% p.a.) plus up to S\\$1,750 in cashback and rewards when you sign up for Trust Bank Personal Loan via SingSaver. Plus, receive a S\\$10 FairPrice E-Vouchers from Trust when you sign up with the referral code SINGSAVE. Valid till 15 April 2026. [T\\&Cs apply](https:\/\/singsaver.link\/pl-rewards-campaign).\n\n[Apply Now](https:\/\/www.singsaver.com.sg\/apply-v2b\/15100)\n\n[![Know your monthly repayments before you borrow](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/s_8829_Personal_Loans_fab8d1ea37.png)](https:\/\/www.singsaver.com.sg\/blog\/how-to-calculate-loan-repayments)\n\n### [Know your monthly repayments before you borrow](https:\/\/www.singsaver.com.sg\/blog\/how-to-calculate-loan-repayments)\nPlanning to take out a loan? Learn how to calculate your repayments so you can budget confidently and avoid surprises.\n\n[Read More](https:\/\/www.singsaver.com.sg\/blog\/how-to-calculate-loan-repayments)\n\n## Benefits of a larger downpayment for your HDB\nMaking a larger down payment on your home offers several advantages:\n\n- **More equity in your home right away:** A larger down payment means you own a bigger share of your property from the start, giving you more [home equity](https:\/\/www.singsaver.com.sg\/blog\/ways-to-turn-your-home-into-cash) and security.\n- **Lower monthly mortgage payment:** The higher your down payment, the smaller your loan amount. This results in lower monthly [mortgage payments](https:\/\/www.singsaver.com.sg\/blog\/best-home-loans-singapore), which can ease your financial burden.\n## When do you need to pay your HDB down payment?\nNow that you know the downpayment amounts for different HDB flats and scenarios, you may be wondering when exactly you need to pay it.\n\n|   |   |   |\n|---|---|---|\n| **Flat type** | **Housing loan type** | **When to pay down payment?** |\n| BTO flats | HDB loan | During signing of lease agreement.   If on Staggered Downpayment Scheme, 5% during signing of lease agreement, 5% during collection of keys. |\n| Resale flats | HDB loan | Using CPF: Upon confirming your financial plan through HDB Resale Portal   Cashier’s Order: At resale completion appointment |\n| BTO, resale or EC | Bank loan | Check with your bank on the payment schedule |\n## Exploring CPF usage for your HDB down payment\nThe Central Provident Fund (CPF) is an essential tool for home financing in Singapore, especially for your down payment. Here’s how you can make use of your CPF savings:\n\n### Using CPF for down payment\n#### HDB housing loan\n- **Downpayment**: At least 25% of the purchase price, which can be paid in full using your CPF Ordinary Account (OA), with cash, or a combination of both.\n- **Maximum loan amount**: Up to 75% of the purchase price for new flats. For resale flats, it is 75% of the resale price or market valuation (whichever is lower).\n- **Use of OA savings**: You must use the available savings in your OA for the purchase of the flat before an HDB housing loan is granted for the remaining amount.\n#### Bank housing loan\n- **Downpayment**: 25% of the purchase price, with 5% payable in cash and the remaining 20% payable in cash or your CPF OA savings.\n- **Maximum loan amount**: Up to 75% of bank valuation or purchase price (whichever is lower).\n- **Use of OA savings**: You can set aside any amount of CPF and pay your bank housing loan with cash instead.\n## First-time buyer incentives\nIf you’re a first-time homebuyer, you can take advantage of several incentives to make your home purchase more affordable:\n\n### 1\\. First-Timer Priority Scheme\nPriority schemes enhance your chances in the computer ballot for flats offered in the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. You may apply for 1 priority scheme to enhance your chances in the ballot, if your household meet the eligibility conditions at the point of your HFE letter application.\n\n### 2\\. Enhanced CPF Housing Grant (EHG)\nUp to \\$80,000 for eligible first-timer families and up to \\$40,000 for singles, depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old. This is given on top of the CPF Housing Grant\n\n### 3\\. Proximity Housing Grant (PHG)\nIf you’re buying a flat to live near your parents or children, you can receive up to S\\$30,000 if you purchase a resale flat in close proximity to them.\n\n**» Read on to find out [how much you need to buy your first home in Singapore](https:\/\/www.singsaver.com.sg\/blog\/costs-of-bto-flat-resale-flat-ec-and-condo-in-singapore)**\n\n### [⚡SingSaver x SCB CashOne Personal Loan Flash Deal⚡](https:\/\/www.singsaver.com.sg\/apply-v2a\/15099)\nEnjoy one of the market's lowest interest rates starting from 1.0% p.a. (EIR from 1.94%) plus up to S\\$1,800 in Cashback when you apply for Standard Chartered CashOne Personal Loan via SingSaver. Valid till 15 April 2026. [T\\&Cs apply](https:\/\/singsaver.link\/pl-rewards-campaign).\n\n[Apply Now](https:\/\/www.singsaver.com.sg\/apply-v2a\/15099)\n\n### Relevant articles\n### [Everything You’ve Ever Needed to Ask About HDB Downpayments](https:\/\/www.singsaver.com.sg\/blog\/hdb-downpayment-complete-guide)\n### [Should You Always Pay Your HDB Downpayment With Cash Or CPF?](https:\/\/www.singsaver.com.sg\/blog\/hdb-downpayment-cash-or-cpf)\n### [How Much Do You Need To Buy Your First Home In Singapore?](https:\/\/www.singsaver.com.sg\/blog\/costs-of-bto-flat-resale-flat-ec-and-condo-in-singapore)\n### [Step-By-Step Guide To Buying Your Very First HDB BTO In Singapore](https:\/\/www.singsaver.com.sg\/blog\/guide-to-buy-first-hdb-bto)\n### About the author\n\n[![SingSaver](https:\/\/mhgprod.blob.core.windows.net\/singsaver\/strapi-uploads\/933_singsaver_white_9d76b81661.svg)](https:\/\/www.singsaver.com.sg\/)\n\nCredit Cards\n\n- Categories\n- Resources\n- Providers\n\nInsurance\n\n- Travel\n- Life & Health\n\nLoans\n\n- Resources\n- Providers\n\nPromotions & Campaigns\n\n- [Travel Insurance Promotions](https:\/\/www.singsaver.com.sg\/travel-insurance\/best-travel-insurance-promotion)\n- [Best Deal Guarantee](https:\/\/www.singsaver.com.sg\/campaign\/bestdeal)\n\nResources\n\n- [Blog](https:\/\/www.singsaver.com.sg\/blog)\n- [Reward Tracker](https:\/\/www.singsaver.com.sg\/dashboard)\n- [Help Centre](https:\/\/singsaversg.zendesk.com\/hc\/en-gb)\n- [Giveaway Winners](https:\/\/www.singsaver.com.sg\/blog\/giveaway-and-competition-winners)\n\nAbout Us\n\n- [Why Singsaver](https:\/\/www.singsaver.com.sg\/page\/singsaver-about-us)\n- [Terms & Conditions](https:\/\/www.singsaver.com.sg\/page\/singsaver-terms)\n- [Privacy Policy](https:\/\/www.singsaver.com.sg\/page\/singsaver-privacy-policy)\n- [Affiliates](https:\/\/creatory.biz\/)\n- [Careers](https:\/\/www.hyphengroup.io\/careers\/)\n- [Press](https:\/\/www.singsaver.com.sg\/press)\n\n© 2015 - 2026 SingSaver PTE LTD. All rights reserved.\n\nThis online platform is operated by SingSaver Pte. Ltd. and by continuing to use [www.singsaver.com.sg](https:\/\/www.singsaver.com.sg\/) (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the [Terms and Conditions](https:\/\/www.singsaver.com.sg\/page\/singsaver-terms) and [Privacy Policy](https:\/\/www.singsaver.com.sg\/page\/singsaver-privacy-policy) of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.\n\nfe 76d3f9a","attrs_readable_markdown":"For many prospective homeowners, accumulating enough for a down payment can be one of the most significant challenges in the home-buying journey. If you are purchasing a home for the first time, understanding the process and learning useful [tips for first-time home buyers](https:\/\/www.singsaver.com.sg\/blog\/things-first-time-home-buyers-must-know) can help you plan your finances more effectively. So, exactly how much should you aim to save? Let’s explore the key factors that influence the amount you'll need to set aside for your HDB home.\n\nA HDB down payment is the upfront amount you pay before securing a loan for the remaining cost of your flat. It can be paid in cash or through your CPF savings and varies based on your loan type—whether it's an HDB loan or a bank loan. The down payment percentage depends on the property price and lender’s conditions, influencing your overall financing options.\n\n### **Saver takeaways**\n- **Flexibility in your down payment:** While a larger down payment can lower your loan amount, a smaller one can help you keep cash for other expenses.\n\n- **Consider future expenses:** If the home needs renovations, a lower down payment can free up funds for upgrades.\n- **Emergency savings matter:** Keeping extra cash on hand can be helpful for unexpected costs after moving in.\n- **Home improvements can build equity:** Upgrades can increase your property's value, potentially helping you reach refinancing goals sooner.\n- **PMI isn't permanent:** If your home gains enough equity, you may be able to refinance and eliminate private [mortgage insurance](https:\/\/www.singsaver.com.sg\/home-insurance) (PMI).\n\n**» Read more on [how to save money for a flat before your 35th birthday](https:\/\/www.singsaver.com.sg\/blog\/how-to-save-money-for-a-flat-before-your-35th-birthday)**\n\n## Minimum down payments for different HDB flat types\nThe minimum [down payment required for a flat](https:\/\/www.singsaver.com.sg\/blog\/hdb-downpayment-complete-guide) depends on the loan type and the flat you're purchasing. Here's a breakdown of the down payment requirements based on the type of loan you choose.\n\n|   |   |   |   |   |\n|---|---|---|---|---|\n| **Flat type** | **Loan type** | **Down payment required** | **Payment method** | **When to pay** |\n| **BTO flats** | HDB loan | 20% of the purchase price | CPF-OA or Cash | During the signing of the lease agreement.  If on Staggered Downpayment Scheme, 5% during the signing of the lease agreement, 15% during the collection of keys. |\n| Bank loan | a) 25% (for loans up to 75%)   b) 45% (for loans up to 55%) | a) Up to 20% CPF. You must pay 5% in cash.   b) Up to 35% CPF. You must pay 10% in cash. | Check with bank |   |\n| **Resale flats** | HDB loan | 20% of the purchase price | CPF-OA or Cash | Using CPF: Upon confirming your financial plan through HDB Resale Portal  Cashier’s Order: At resale completion appointment |\n| Bank loan | a) 25% (for loan up to 75%)   b) 45% (for loan up to 55%) | a) Up to 20% CPF and 5% in cash.   b) Up to 35% CPF and 10% in cash. | Check with bank |   |\n| **Executive Condos (EC)** | HDB loan | Not applicable | Bank Loan | HDB loan is not applicable |\n| Bank loan | a) 25% (for loan up to 75%)   b) 45% (for loan up to 55%) | a) Up to 20% CPF and 5% in cash.   b) Up to 35% CPF and 10% in cash. | Check with bank |   |\n### Down payment requirements for a HDB loan\n#### BTO Flats with HDB Loan\nFor BTO flats, the down payment is 20% of the purchase price, which can be paid using your CPF Ordinary Account (CPF-OA), cash, or a combination of both. Typically, this payment is made when signing the Agreement for Lease.\n\nHowever, if you qualify for the [Staggered Downpayment Scheme](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease), you can split the payment into two parts: 5% when signing the lease agreement (around six months after booking the flat) and the remaining 15% when collecting the keys. This option helps ease the upfront financial burden for buyers.\n\n#### Resale flats with HDB loan\nFor resale flats, the down payment remains at 20% of the purchase price, and buyers can pay using CPF-OA, cash, or a mix of both.\n\nThe key difference lies in the payment process:\n\n- CPF payments are processed once financial plans are confirmed via the HDB Resale Portal.\n- If you’re paying with cash, you’ll need to submit a Cashier’s Order during the resale completion appointment.\n#### Executive Condominiums (EC) with HDB loan\nIf you're purchasing an Executive Condominium (EC), you cannot take an HDB loan and will need to secure a bank loan instead. The down payment requirements for bank loans differ and will be covered in the next section.\n\n### Down payment requirements for a bank loan\n### BTO flats with bank loan\nFor BTO flats with a bank loan, the down payment can range from 25% to 45% of the purchase price, depending on the loan amount.\n\n- If your loan is up to 75% of the purchase price, you will need to pay 25% as a down payment.\n- If your loan is up to 55% of the purchase price, you will need to pay 45% as a down payment.\n\nThis remainder is paid when you collect your keys, and you can use your CPF, cash, or a combination of the two.\n\n#### Resale flats with bank loan\nThe down payment for purchasing a resale flat with a bank loan can be quite substantial, ranging from 25% to 45% of the purchase price.\n\nFortunately, much of the down payment can be covered using your CPF-OA balance.\n\n- If your bank loan covers up to 75% of the purchase price, you will need a 25% down payment. At least 5% must be paid in cash, with the remainder covered by your CPF-OA.\n- If your bank loan is up to 55% of the purchase price, the down payment increases to 45%. In this case, at least 10% must be paid in cash, with the remaining 35% coming from your CPF savings.\n\nThese payment structures ensure flexibility, allowing you to use both cash and CPF to manage the down payment when purchasing a resale flat.\n\n**» Find out about [how much you can borrow for your home loan in Singapore](https:\/\/www.singsaver.com.sg\/blog\/how-much-can-you-borrow-for-your-home-loan)**\n\n## Factors that affect your HDB down payment\nWhen you're considering purchasing an HDB flat, several factors will influence the down payment you need to make. Here’s a breakdown of what to expect:\n\n### Type of loan\n- **HDB loan:** Requires a 20% down payment for all flat types (BTO, resale).\n- **Bank loan:** Offers lower down payments of 25% for loans up to 75%, but a higher downpayment of 45% for loans up to 55%.\n- **No loan options:** For ECs, HDB loans are not applicable, and you’ll have to use a bank loan.\n### Using CPF for your HDB down payment\nOne of the advantages of buying a flat in Singapore is the option to use your CPF Ordinary Account (CPF-OA) to pay for your down payment.\n\n- **CPF-OA** can be used to pay for most of the down payment, reducing the cash amount you need to pay.\n- **For BTO and resale flats:** You can use up to 100% of the down payment with CPF funds, subject to CPF savings limits.\n### Staggered Downpayment Scheme (SDS)\nIf you're purchasing a BTO flat, you may benefit from the Staggered Downpayment Scheme, which allows you to pay your down payment in two stages:\n\n- Pay 5% at the signing of the lease agreement and 15% when collecting your keys.\n- Applies to BTO flats only and allows a split payment, reducing the immediate financial burden.\n\nThis scheme helps ease the immediate financial burden of the full down payment, spreading it out over a longer period.\n\n### Property type (BTO, Resale, EC)\nThe type of flat you choose will also impact your down payment:\n\n- BTO: 20% down payment, can be paid using CPF.\n- Resale: Also 20% downpayment, CPF allowed, but cashier’s order for cash payments.\n- EC: No HDB loans allowed; bank loan downpayment varies from 25% to 45%.\n### Government schemes and assistance\nIf you’re a [first-time homebuyer](https:\/\/www.singsaver.com.sg\/blog\/things-first-time-home-buyers-must-know), you may be eligible for various government assistance schemes that help reduce your down payment. These programmes are designed to make homeownership more accessible, so it’s worth checking if you qualify for any assistance before proceeding with your purchase.\n\n## How much can you borrow for your HDB loan?\nThe amount you can borrow for your HDB flat is mainly determined by the Loan-to-Value (LTV) ratio, which reflects the percentage of the flat’s purchase price or valuation that the bank or HDB is willing to lend you. Currently, the LTV for HDB loans is capped at 80%, meaning you'll need to pay at least 20% of the purchase price from your own funds (either in CPF or cash).\n\nSeveral other factors also influence the loan amount you can qualify for:\n\n- **Financial profile:** This includes your income level, employment stability, and creditworthiness.\n- **Credit score:** A higher score typically improves your borrowing capacity.\n- **Existing debts:** If you have other outstanding loans, including housing loans, it may reduce the amount you can borrow.\n\nAdditionally, the maximum loan ceiling is influenced by the loan tenure (the repayment period). The longer the tenure, the more you may be able to borrow, but if you have more than one housing loan, this could lower the loan amount you qualify for.\n\nEvaluating these factors is crucial to understanding how much you can borrow and ensuring your loan is manageable in line with your financial commitments.\n\n## Benefits of a larger downpayment for your HDB\nMaking a larger down payment on your home offers several advantages:\n\n- **More equity in your home right away:** A larger down payment means you own a bigger share of your property from the start, giving you more [home equity](https:\/\/www.singsaver.com.sg\/blog\/ways-to-turn-your-home-into-cash) and security.\n- **Lower monthly mortgage payment:** The higher your down payment, the smaller your loan amount. This results in lower monthly [mortgage payments](https:\/\/www.singsaver.com.sg\/blog\/best-home-loans-singapore), which can ease your financial burden.\n## When do you need to pay your HDB down payment?\nNow that you know the downpayment amounts for different HDB flats and scenarios, you may be wondering when exactly you need to pay it.\n\n|   |   |   |\n|---|---|---|\n| **Flat type** | **Housing loan type** | **When to pay down payment?** |\n| BTO flats | HDB loan | During signing of lease agreement.  If on Staggered Downpayment Scheme, 5% during signing of lease agreement, 5% during collection of keys. |\n| Resale flats | HDB loan | Using CPF: Upon confirming your financial plan through HDB Resale Portal  Cashier’s Order: At resale completion appointment |\n| BTO, resale or EC | Bank loan | Check with your bank on the payment schedule |\n## Exploring CPF usage for your HDB down payment\nThe Central Provident Fund (CPF) is an essential tool for home financing in Singapore, especially for your down payment. Here’s how you can make use of your CPF savings:\n\n### Using CPF for down payment\n#### HDB housing loan\n- **Downpayment**: At least 25% of the purchase price, which can be paid in full using your CPF Ordinary Account (OA), with cash, or a combination of both.\n- **Maximum loan amount**: Up to 75% of the purchase price for new flats. For resale flats, it is 75% of the resale price or market valuation (whichever is lower).\n- **Use of OA savings**: You must use the available savings in your OA for the purchase of the flat before an HDB housing loan is granted for the remaining amount.\n#### Bank housing loan\n- **Downpayment**: 25% of the purchase price, with 5% payable in cash and the remaining 20% payable in cash or your CPF OA savings.\n- **Maximum loan amount**: Up to 75% of bank valuation or purchase price (whichever is lower).\n- **Use of OA savings**: You can set aside any amount of CPF and pay your bank housing loan with cash instead.\n## First-time buyer incentives\nIf you’re a first-time homebuyer, you can take advantage of several incentives to make your home purchase more affordable:\n\n### 1\\. First-Timer Priority Scheme\nPriority schemes enhance your chances in the computer ballot for flats offered in the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. You may apply for 1 priority scheme to enhance your chances in the ballot, if your household meet the eligibility conditions at the point of your HFE letter application.\n\n### 2\\. Enhanced CPF Housing Grant (EHG)\nUp to \\$80,000 for eligible first-timer families and up to \\$40,000 for singles, depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old. This is given on top of the CPF Housing Grant\n\n### 3\\. Proximity Housing Grant (PHG)\nIf you’re buying a flat to live near your parents or children, you can receive up to S\\$30,000 if you purchase a resale flat in close proximity to them.\n\n**» Read on to find out [how much you need to buy your first home in Singapore](https:\/\/www.singsaver.com.sg\/blog\/costs-of-bto-flat-resale-flat-ec-and-condo-in-singapore)**","meta_canonical":null}

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Boilerpipe Text	For many prospective homeowners, accumulating enough for a down payment can be one of the most significant challenges in the home-buying journey. If you are purchasing a home for the first time, understanding the process and learning useful tips for first-time home buyers can help you plan your finances more effectively. So, exactly how much should you aim to save? Let’s explore the key factors that influence the amount you'll need to set aside for your HDB home. A HDB down payment is the upfront amount you pay before securing a loan for the remaining cost of your flat. It can be paid in cash or through your CPF savings and varies based on your loan type—whether it's an HDB loan or a bank loan. The down payment percentage depends on the property price and lender’s conditions, influencing your overall financing options. Saver takeaways Flexibility in your down payment: While a larger down payment can lower your loan amount, a smaller one can help you keep cash for other expenses. Consider future expenses: If the home needs renovations, a lower down payment can free up funds for upgrades. Emergency savings matter: Keeping extra cash on hand can be helpful for unexpected costs after moving in. Home improvements can build equity: Upgrades can increase your property's value, potentially helping you reach refinancing goals sooner. PMI isn't permanent: If your home gains enough equity, you may be able to refinance and eliminate private mortgage insurance (PMI). » Read more on how to save money for a flat before your 35th birthday Minimum down payments for different HDB flat types The minimum down payment required for a flat depends on the loan type and the flat you're purchasing. Here's a breakdown of the down payment requirements based on the type of loan you choose. Flat type Loan type Down payment required Payment method When to pay BTO flats HDB loan 20% of the purchase price CPF-OA or Cash During the signing of the lease agreement. If on Staggered Downpayment Scheme, 5% during the signing of the lease agreement, 15% during the collection of keys. Bank loan a) 25% (for loans up to 75%) b) 45% (for loans up to 55%) a) Up to 20% CPF. You must pay 5% in cash. b) Up to 35% CPF. You must pay 10% in cash. Check with bank Resale flats HDB loan 20% of the purchase price CPF-OA or Cash Using CPF: Upon confirming your financial plan through HDB Resale Portal Cashier’s Order: At resale completion appointment Bank loan a) 25% (for loan up to 75%) b) 45% (for loan up to 55%) a) Up to 20% CPF and 5% in cash. b) Up to 35% CPF and 10% in cash. Check with bank Executive Condos (EC) HDB loan Not applicable Bank Loan HDB loan is not applicable Bank loan a) 25% (for loan up to 75%) b) 45% (for loan up to 55%) a) Up to 20% CPF and 5% in cash. b) Up to 35% CPF and 10% in cash. Check with bank Down payment requirements for a HDB loan BTO Flats with HDB Loan For BTO flats, the down payment is 20% of the purchase price, which can be paid using your CPF Ordinary Account (CPF-OA), cash, or a combination of both. Typically, this payment is made when signing the Agreement for Lease. However, if you qualify for the Staggered Downpayment Scheme , you can split the payment into two parts: 5% when signing the lease agreement (around six months after booking the flat) and the remaining 15% when collecting the keys. This option helps ease the upfront financial burden for buyers. Resale flats with HDB loan For resale flats, the down payment remains at 20% of the purchase price, and buyers can pay using CPF-OA, cash, or a mix of both. The key difference lies in the payment process: CPF payments are processed once financial plans are confirmed via the HDB Resale Portal. If you’re paying with cash, you’ll need to submit a Cashier’s Order during the resale completion appointment. Executive Condominiums (EC) with HDB loan If you're purchasing an Executive Condominium (EC), you cannot take an HDB loan and will need to secure a bank loan instead. The down payment requirements for bank loans differ and will be covered in the next section. Down payment requirements for a bank loan BTO flats with bank loan For BTO flats with a bank loan, the down payment can range from 25% to 45% of the purchase price, depending on the loan amount. If your loan is up to 75% of the purchase price, you will need to pay 25% as a down payment. If your loan is up to 55% of the purchase price, you will need to pay 45% as a down payment. This remainder is paid when you collect your keys, and you can use your CPF, cash, or a combination of the two. Resale flats with bank loan The down payment for purchasing a resale flat with a bank loan can be quite substantial, ranging from 25% to 45% of the purchase price. Fortunately, much of the down payment can be covered using your CPF-OA balance. If your bank loan covers up to 75% of the purchase price, you will need a 25% down payment. At least 5% must be paid in cash, with the remainder covered by your CPF-OA. If your bank loan is up to 55% of the purchase price, the down payment increases to 45%. In this case, at least 10% must be paid in cash, with the remaining 35% coming from your CPF savings. These payment structures ensure flexibility, allowing you to use both cash and CPF to manage the down payment when purchasing a resale flat. » Find out about how much you can borrow for your home loan in Singapore Factors that affect your HDB down payment When you're considering purchasing an HDB flat, several factors will influence the down payment you need to make. Here’s a breakdown of what to expect: Type of loan HDB loan: Requires a 20% down payment for all flat types (BTO, resale). Bank loan: Offers lower down payments of 25% for loans up to 75%, but a higher downpayment of 45% for loans up to 55%. No loan options: For ECs, HDB loans are not applicable, and you’ll have to use a bank loan. Using CPF for your HDB down payment One of the advantages of buying a flat in Singapore is the option to use your CPF Ordinary Account (CPF-OA) to pay for your down payment. CPF-OA can be used to pay for most of the down payment, reducing the cash amount you need to pay. For BTO and resale flats: You can use up to 100% of the down payment with CPF funds, subject to CPF savings limits. Staggered Downpayment Scheme (SDS) If you're purchasing a BTO flat, you may benefit from the Staggered Downpayment Scheme, which allows you to pay your down payment in two stages: Pay 5% at the signing of the lease agreement and 15% when collecting your keys. Applies to BTO flats only and allows a split payment, reducing the immediate financial burden. This scheme helps ease the immediate financial burden of the full down payment, spreading it out over a longer period. Property type (BTO, Resale, EC) The type of flat you choose will also impact your down payment: BTO: 20% down payment, can be paid using CPF. Resale: Also 20% downpayment, CPF allowed, but cashier’s order for cash payments. EC: No HDB loans allowed; bank loan downpayment varies from 25% to 45%. Government schemes and assistance If you’re a first-time homebuyer , you may be eligible for various government assistance schemes that help reduce your down payment. These programmes are designed to make homeownership more accessible, so it’s worth checking if you qualify for any assistance before proceeding with your purchase. How much can you borrow for your HDB loan? The amount you can borrow for your HDB flat is mainly determined by the Loan-to-Value (LTV) ratio, which reflects the percentage of the flat’s purchase price or valuation that the bank or HDB is willing to lend you. Currently, the LTV for HDB loans is capped at 80%, meaning you'll need to pay at least 20% of the purchase price from your own funds (either in CPF or cash). Several other factors also influence the loan amount you can qualify for: Financial profile: This includes your income level, employment stability, and creditworthiness. Credit score: A higher score typically improves your borrowing capacity. Existing debts: If you have other outstanding loans, including housing loans, it may reduce the amount you can borrow. Additionally, the maximum loan ceiling is influenced by the loan tenure (the repayment period). The longer the tenure, the more you may be able to borrow, but if you have more than one housing loan, this could lower the loan amount you qualify for. Evaluating these factors is crucial to understanding how much you can borrow and ensuring your loan is manageable in line with your financial commitments. Benefits of a larger downpayment for your HDB Making a larger down payment on your home offers several advantages: More equity in your home right away: A larger down payment means you own a bigger share of your property from the start, giving you more home equity and security. Lower monthly mortgage payment: The higher your down payment, the smaller your loan amount. This results in lower monthly mortgage payments , which can ease your financial burden. When do you need to pay your HDB down payment? Now that you know the downpayment amounts for different HDB flats and scenarios, you may be wondering when exactly you need to pay it. Flat type Housing loan type When to pay down payment? BTO flats HDB loan During signing of lease agreement. If on Staggered Downpayment Scheme, 5% during signing of lease agreement, 5% during collection of keys. Resale flats HDB loan Using CPF: Upon confirming your financial plan through HDB Resale Portal Cashier’s Order: At resale completion appointment BTO, resale or EC Bank loan Check with your bank on the payment schedule Exploring CPF usage for your HDB down payment The Central Provident Fund (CPF) is an essential tool for home financing in Singapore, especially for your down payment. Here’s how you can make use of your CPF savings: Using CPF for down payment HDB housing loan Downpayment : At least 25% of the purchase price, which can be paid in full using your CPF Ordinary Account (OA), with cash, or a combination of both. Maximum loan amount : Up to 75% of the purchase price for new flats. For resale flats, it is 75% of the resale price or market valuation (whichever is lower). Use of OA savings : You must use the available savings in your OA for the purchase of the flat before an HDB housing loan is granted for the remaining amount. Bank housing loan Downpayment : 25% of the purchase price, with 5% payable in cash and the remaining 20% payable in cash or your CPF OA savings. Maximum loan amount : Up to 75% of bank valuation or purchase price (whichever is lower). Use of OA savings : You can set aside any amount of CPF and pay your bank housing loan with cash instead. First-time buyer incentives If you’re a first-time homebuyer, you can take advantage of several incentives to make your home purchase more affordable: 1. First-Timer Priority Scheme Priority schemes enhance your chances in the computer ballot for flats offered in the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. You may apply for 1 priority scheme to enhance your chances in the ballot, if your household meet the eligibility conditions at the point of your HFE letter application. 2. Enhanced CPF Housing Grant (EHG) Up to $80,000 for eligible first-timer families and up to $40,000 for singles, depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old. This is given on top of the CPF Housing Grant 3. Proximity Housing Grant (PHG) If you’re buying a flat to live near your parents or children, you can receive up to S$30,000 if you purchase a resale flat in close proximity to them. » Read on to find out how much you need to buy your first home in Singapore
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Updated: 1 Apr 2026 The amount you will need for a HDB down payment in Singapore varies depending on a few key factors, such as the type of loan you choose, the lender’s requirements, and your personal financial situation. ![](https://mhgprod.blob.core.windows.net/singsaver/strapi-uploads/medium_9442_HDB_downpayments_0d5b6c6e53.webp) For many prospective homeowners, accumulating enough for a down payment can be one of the most significant challenges in the home-buying journey. If you are purchasing a home for the first time, understanding the process and learning useful [tips for first-time home buyers](https://www.singsaver.com.sg/blog/things-first-time-home-buyers-must-know) can help you plan your finances more effectively. So, exactly how much should you aim to save? Let’s explore the key factors that influence the amount you'll need to set aside for your HDB home. [![SingSaver Personal Loan Cashback Offer](https://mhgprod.blob.core.windows.net/singsaver/strapi-uploads/l_25_0574_IN_ARTICLE_BLOG_BANNER_1440x1080_KV_1_V1_0a58ca3470.png)](https://www.singsaver.com.sg/personal-loan?cms_amount=50000&cms_tenure=36) ### [SingSaver Personal Loan Cashback Offer](https://www.singsaver.com.sg/personal-loan?cms_amount=50000&cms_tenure=36) Enjoy one of the lowest interest rates from 1.00% p.a. (EIR from 1.93% p.a.) and up to S\$1,900 in cashback when you apply for a personal loan via SingSaver. Valid till 15 April 2026. [T\&Cs apply](https://singsaver.link/pl-rewards-campaign). [Compare Loans Here](https://www.singsaver.com.sg/personal-loan?cms_amount=50000&cms_tenure=36) ## What is a HDB down payment? A HDB down payment is the upfront amount you pay before securing a loan for the remaining cost of your flat. It can be paid in cash or through your CPF savings and varies based on your loan type—whether it's an HDB loan or a bank loan. The down payment percentage depends on the property price and lender’s conditions, influencing your overall financing options. ### Saver takeaways - Flexibility in your down payment: While a larger down payment can lower your loan amount, a smaller one can help you keep cash for other expenses. - Consider future expenses: If the home needs renovations, a lower down payment can free up funds for upgrades. - Emergency savings matter: Keeping extra cash on hand can be helpful for unexpected costs after moving in. - Home improvements can build equity: Upgrades can increase your property's value, potentially helping you reach refinancing goals sooner. - PMI isn't permanent: If your home gains enough equity, you may be able to refinance and eliminate private [mortgage insurance](https://www.singsaver.com.sg/home-insurance) (PMI). » Read more on [how to save money for a flat before your 35th birthday](https://www.singsaver.com.sg/blog/how-to-save-money-for-a-flat-before-your-35th-birthday) ## Minimum down payments for different HDB flat types The minimum [down payment required for a flat](https://www.singsaver.com.sg/blog/hdb-downpayment-complete-guide) depends on the loan type and the flat you're purchasing. Here's a breakdown of the down payment requirements based on the type of loan you choose. \| \| \| \| \| \| \|---\|---\|---\|---\|---\| \| Flat type \| Loan type \| Down payment required \| Payment method \| When to pay \| \| BTO flats \| HDB loan \| 20% of the purchase price \| CPF-OA or Cash \| During the signing of the lease agreement. If on Staggered Downpayment Scheme, 5% during the signing of the lease agreement, 15% during the collection of keys. \| \| Bank loan \| a) 25% (for loans up to 75%) b) 45% (for loans up to 55%) \| a) Up to 20% CPF. You must pay 5% in cash. b) Up to 35% CPF. You must pay 10% in cash. \| Check with bank \| \| \| Resale flats \| HDB loan \| 20% of the purchase price \| CPF-OA or Cash \| Using CPF: Upon confirming your financial plan through HDB Resale Portal Cashier’s Order: At resale completion appointment \| \| Bank loan \| a) 25% (for loan up to 75%) b) 45% (for loan up to 55%) \| a) Up to 20% CPF and 5% in cash. b) Up to 35% CPF and 10% in cash. \| Check with bank \| \| \| Executive Condos (EC) \| HDB loan \| Not applicable \| Bank Loan \| HDB loan is not applicable \| \| Bank loan \| a) 25% (for loan up to 75%) b) 45% (for loan up to 55%) \| a) Up to 20% CPF and 5% in cash. b) Up to 35% CPF and 10% in cash. \| Check with bank \| \| ### Down payment requirements for a HDB loan #### BTO Flats with HDB Loan For BTO flats, the down payment is 20% of the purchase price, which can be paid using your CPF Ordinary Account (CPF-OA), cash, or a combination of both. Typically, this payment is made when signing the Agreement for Lease. However, if you qualify for the [Staggered Downpayment Scheme](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/sign-agreement-for-lease), you can split the payment into two parts: 5% when signing the lease agreement (around six months after booking the flat) and the remaining 15% when collecting the keys. This option helps ease the upfront financial burden for buyers. #### Resale flats with HDB loan For resale flats, the down payment remains at 20% of the purchase price, and buyers can pay using CPF-OA, cash, or a mix of both. The key difference lies in the payment process: - CPF payments are processed once financial plans are confirmed via the HDB Resale Portal. - If you’re paying with cash, you’ll need to submit a Cashier’s Order during the resale completion appointment. #### Executive Condominiums (EC) with HDB loan If you're purchasing an Executive Condominium (EC), you cannot take an HDB loan and will need to secure a bank loan instead. The down payment requirements for bank loans differ and will be covered in the next section. ### Down payment requirements for a bank loan ### BTO flats with bank loan For BTO flats with a bank loan, the down payment can range from 25% to 45% of the purchase price, depending on the loan amount. - If your loan is up to 75% of the purchase price, you will need to pay 25% as a down payment. - If your loan is up to 55% of the purchase price, you will need to pay 45% as a down payment. This remainder is paid when you collect your keys, and you can use your CPF, cash, or a combination of the two. #### Resale flats with bank loan The down payment for purchasing a resale flat with a bank loan can be quite substantial, ranging from 25% to 45% of the purchase price. Fortunately, much of the down payment can be covered using your CPF-OA balance. - If your bank loan covers up to 75% of the purchase price, you will need a 25% down payment. At least 5% must be paid in cash, with the remainder covered by your CPF-OA. - If your bank loan is up to 55% of the purchase price, the down payment increases to 45%. In this case, at least 10% must be paid in cash, with the remaining 35% coming from your CPF savings. These payment structures ensure flexibility, allowing you to use both cash and CPF to manage the down payment when purchasing a resale flat. » Find out about [how much you can borrow for your home loan in Singapore](https://www.singsaver.com.sg/blog/how-much-can-you-borrow-for-your-home-loan) ## Factors that affect your HDB down payment When you're considering purchasing an HDB flat, several factors will influence the down payment you need to make. Here’s a breakdown of what to expect: ### Type of loan - HDB loan: Requires a 20% down payment for all flat types (BTO, resale). - Bank loan: Offers lower down payments of 25% for loans up to 75%, but a higher downpayment of 45% for loans up to 55%. - No loan options: For ECs, HDB loans are not applicable, and you’ll have to use a bank loan. ### Using CPF for your HDB down payment One of the advantages of buying a flat in Singapore is the option to use your CPF Ordinary Account (CPF-OA) to pay for your down payment. - CPF-OA can be used to pay for most of the down payment, reducing the cash amount you need to pay. - For BTO and resale flats: You can use up to 100% of the down payment with CPF funds, subject to CPF savings limits. ### Staggered Downpayment Scheme (SDS) If you're purchasing a BTO flat, you may benefit from the Staggered Downpayment Scheme, which allows you to pay your down payment in two stages: - Pay 5% at the signing of the lease agreement and 15% when collecting your keys. - Applies to BTO flats only and allows a split payment, reducing the immediate financial burden. This scheme helps ease the immediate financial burden of the full down payment, spreading it out over a longer period. ### Property type (BTO, Resale, EC) The type of flat you choose will also impact your down payment: - BTO: 20% down payment, can be paid using CPF. - Resale: Also 20% downpayment, CPF allowed, but cashier’s order for cash payments. - EC: No HDB loans allowed; bank loan downpayment varies from 25% to 45%. ### Government schemes and assistance If you’re a [first-time homebuyer](https://www.singsaver.com.sg/blog/things-first-time-home-buyers-must-know), you may be eligible for various government assistance schemes that help reduce your down payment. These programmes are designed to make homeownership more accessible, so it’s worth checking if you qualify for any assistance before proceeding with your purchase. ## How much can you borrow for your HDB loan? The amount you can borrow for your HDB flat is mainly determined by the Loan-to-Value (LTV) ratio, which reflects the percentage of the flat’s purchase price or valuation that the bank or HDB is willing to lend you. Currently, the LTV for HDB loans is capped at 80%, meaning you'll need to pay at least 20% of the purchase price from your own funds (either in CPF or cash). Several other factors also influence the loan amount you can qualify for: - Financial profile: This includes your income level, employment stability, and creditworthiness. - Credit score: A higher score typically improves your borrowing capacity. - Existing debts: If you have other outstanding loans, including housing loans, it may reduce the amount you can borrow. Additionally, the maximum loan ceiling is influenced by the loan tenure (the repayment period). The longer the tenure, the more you may be able to borrow, but if you have more than one housing loan, this could lower the loan amount you qualify for. Evaluating these factors is crucial to understanding how much you can borrow and ensuring your loan is manageable in line with your financial commitments. [![⚡SingSaver x Trust Personal Loan Flash Deal⚡](https://mhgprod.blob.core.windows.net/singsaver/strapi-uploads/l_25_0602_IN_ARTICLE_BLOG_BANNER_1440x1080_KV_1_V1_01e24a7c90.png)](https://www.singsaver.com.sg/apply-v2b/15100) ### [⚡SingSaver x Trust Personal Loan Flash Deal⚡](https://www.singsaver.com.sg/apply-v2b/15100) Enjoy low interest rates from 1.08% p.a. (EIR from 2.43% p.a.) plus up to S\$1,750 in cashback and rewards when you sign up for Trust Bank Personal Loan via SingSaver. Plus, receive a S\$10 FairPrice E-Vouchers from Trust when you sign up with the referral code SINGSAVE. Valid till 15 April 2026. [T\&Cs apply](https://singsaver.link/pl-rewards-campaign). [Apply Now](https://www.singsaver.com.sg/apply-v2b/15100) [![Know your monthly repayments before you borrow](https://mhgprod.blob.core.windows.net/singsaver/strapi-uploads/s_8829_Personal_Loans_fab8d1ea37.png)](https://www.singsaver.com.sg/blog/how-to-calculate-loan-repayments) ### [Know your monthly repayments before you borrow](https://www.singsaver.com.sg/blog/how-to-calculate-loan-repayments) Planning to take out a loan? Learn how to calculate your repayments so you can budget confidently and avoid surprises. [Read More](https://www.singsaver.com.sg/blog/how-to-calculate-loan-repayments) ## Benefits of a larger downpayment for your HDB Making a larger down payment on your home offers several advantages: - More equity in your home right away: A larger down payment means you own a bigger share of your property from the start, giving you more [home equity](https://www.singsaver.com.sg/blog/ways-to-turn-your-home-into-cash) and security. - Lower monthly mortgage payment: The higher your down payment, the smaller your loan amount. This results in lower monthly [mortgage payments](https://www.singsaver.com.sg/blog/best-home-loans-singapore), which can ease your financial burden. ## When do you need to pay your HDB down payment? Now that you know the downpayment amounts for different HDB flats and scenarios, you may be wondering when exactly you need to pay it. \| \| \| \| \|---\|---\|---\| \| Flat type \| Housing loan type \| When to pay down payment? \| \| BTO flats \| HDB loan \| During signing of lease agreement. If on Staggered Downpayment Scheme, 5% during signing of lease agreement, 5% during collection of keys. \| \| Resale flats \| HDB loan \| Using CPF: Upon confirming your financial plan through HDB Resale Portal Cashier’s Order: At resale completion appointment \| \| BTO, resale or EC \| Bank loan \| Check with your bank on the payment schedule \| ## Exploring CPF usage for your HDB down payment The Central Provident Fund (CPF) is an essential tool for home financing in Singapore, especially for your down payment. Here’s how you can make use of your CPF savings: ### Using CPF for down payment #### HDB housing loan - Downpayment: At least 25% of the purchase price, which can be paid in full using your CPF Ordinary Account (OA), with cash, or a combination of both. - Maximum loan amount: Up to 75% of the purchase price for new flats. For resale flats, it is 75% of the resale price or market valuation (whichever is lower). - Use of OA savings: You must use the available savings in your OA for the purchase of the flat before an HDB housing loan is granted for the remaining amount. #### Bank housing loan - Downpayment: 25% of the purchase price, with 5% payable in cash and the remaining 20% payable in cash or your CPF OA savings. - Maximum loan amount: Up to 75% of bank valuation or purchase price (whichever is lower). - Use of OA savings: You can set aside any amount of CPF and pay your bank housing loan with cash instead. ## First-time buyer incentives If you’re a first-time homebuyer, you can take advantage of several incentives to make your home purchase more affordable: ### 1\. First-Timer Priority Scheme Priority schemes enhance your chances in the computer ballot for flats offered in the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. You may apply for 1 priority scheme to enhance your chances in the ballot, if your household meet the eligibility conditions at the point of your HFE letter application. ### 2\. Enhanced CPF Housing Grant (EHG) Up to \$80,000 for eligible first-timer families and up to \$40,000 for singles, depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old. This is given on top of the CPF Housing Grant ### 3\. Proximity Housing Grant (PHG) If you’re buying a flat to live near your parents or children, you can receive up to S\$30,000 if you purchase a resale flat in close proximity to them. » Read on to find out [how much you need to buy your first home in Singapore](https://www.singsaver.com.sg/blog/costs-of-bto-flat-resale-flat-ec-and-condo-in-singapore) ### [⚡SingSaver x SCB CashOne Personal Loan Flash Deal⚡](https://www.singsaver.com.sg/apply-v2a/15099) Enjoy one of the market's lowest interest rates starting from 1.0% p.a. (EIR from 1.94%) plus up to S\$1,800 in Cashback when you apply for Standard Chartered CashOne Personal Loan via SingSaver. Valid till 15 April 2026. [T\&Cs apply](https://singsaver.link/pl-rewards-campaign). [Apply Now](https://www.singsaver.com.sg/apply-v2a/15099) ### Relevant articles ### [Everything You’ve Ever Needed to Ask About HDB Downpayments](https://www.singsaver.com.sg/blog/hdb-downpayment-complete-guide) ### [Should You Always Pay Your HDB Downpayment With Cash Or CPF?](https://www.singsaver.com.sg/blog/hdb-downpayment-cash-or-cpf) ### [How Much Do You Need To Buy Your First Home In Singapore?](https://www.singsaver.com.sg/blog/costs-of-bto-flat-resale-flat-ec-and-condo-in-singapore) ### [Step-By-Step Guide To Buying Your Very First HDB BTO In Singapore](https://www.singsaver.com.sg/blog/guide-to-buy-first-hdb-bto) ### About the author [![SingSaver](https://mhgprod.blob.core.windows.net/singsaver/strapi-uploads/933_singsaver_white_9d76b81661.svg)](https://www.singsaver.com.sg/) Credit Cards - Categories - Resources - Providers Insurance - Travel - Life & Health Loans - Resources - Providers Promotions & Campaigns - [Travel Insurance Promotions](https://www.singsaver.com.sg/travel-insurance/best-travel-insurance-promotion) - [Best Deal Guarantee](https://www.singsaver.com.sg/campaign/bestdeal) Resources - [Blog](https://www.singsaver.com.sg/blog) - [Reward Tracker](https://www.singsaver.com.sg/dashboard) - [Help Centre](https://singsaversg.zendesk.com/hc/en-gb) - [Giveaway Winners](https://www.singsaver.com.sg/blog/giveaway-and-competition-winners) About Us - [Why Singsaver](https://www.singsaver.com.sg/page/singsaver-about-us) - [Terms & Conditions](https://www.singsaver.com.sg/page/singsaver-terms) - [Privacy Policy](https://www.singsaver.com.sg/page/singsaver-privacy-policy) - [Affiliates](https://creatory.biz/) - [Careers](https://www.hyphengroup.io/careers/) - [Press](https://www.singsaver.com.sg/press) © 2015 - 2026 SingSaver PTE LTD. 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Readable Markdown	For many prospective homeowners, accumulating enough for a down payment can be one of the most significant challenges in the home-buying journey. If you are purchasing a home for the first time, understanding the process and learning useful [tips for first-time home buyers](https://www.singsaver.com.sg/blog/things-first-time-home-buyers-must-know) can help you plan your finances more effectively. So, exactly how much should you aim to save? Let’s explore the key factors that influence the amount you'll need to set aside for your HDB home. A HDB down payment is the upfront amount you pay before securing a loan for the remaining cost of your flat. It can be paid in cash or through your CPF savings and varies based on your loan type—whether it's an HDB loan or a bank loan. The down payment percentage depends on the property price and lender’s conditions, influencing your overall financing options. ### Saver takeaways - Flexibility in your down payment: While a larger down payment can lower your loan amount, a smaller one can help you keep cash for other expenses. - Consider future expenses: If the home needs renovations, a lower down payment can free up funds for upgrades. - Emergency savings matter: Keeping extra cash on hand can be helpful for unexpected costs after moving in. - Home improvements can build equity: Upgrades can increase your property's value, potentially helping you reach refinancing goals sooner. - PMI isn't permanent: If your home gains enough equity, you may be able to refinance and eliminate private [mortgage insurance](https://www.singsaver.com.sg/home-insurance) (PMI). » Read more on [how to save money for a flat before your 35th birthday](https://www.singsaver.com.sg/blog/how-to-save-money-for-a-flat-before-your-35th-birthday) ## Minimum down payments for different HDB flat types The minimum [down payment required for a flat](https://www.singsaver.com.sg/blog/hdb-downpayment-complete-guide) depends on the loan type and the flat you're purchasing. Here's a breakdown of the down payment requirements based on the type of loan you choose. \| \| \| \| \| \| \|---\|---\|---\|---\|---\| \| Flat type \| Loan type \| Down payment required \| Payment method \| When to pay \| \| BTO flats \| HDB loan \| 20% of the purchase price \| CPF-OA or Cash \| During the signing of the lease agreement. If on Staggered Downpayment Scheme, 5% during the signing of the lease agreement, 15% during the collection of keys. \| \| Bank loan \| a) 25% (for loans up to 75%) b) 45% (for loans up to 55%) \| a) Up to 20% CPF. You must pay 5% in cash. b) Up to 35% CPF. You must pay 10% in cash. \| Check with bank \| \| \| Resale flats \| HDB loan \| 20% of the purchase price \| CPF-OA or Cash \| Using CPF: Upon confirming your financial plan through HDB Resale Portal Cashier’s Order: At resale completion appointment \| \| Bank loan \| a) 25% (for loan up to 75%) b) 45% (for loan up to 55%) \| a) Up to 20% CPF and 5% in cash. b) Up to 35% CPF and 10% in cash. \| Check with bank \| \| \| Executive Condos (EC) \| HDB loan \| Not applicable \| Bank Loan \| HDB loan is not applicable \| \| Bank loan \| a) 25% (for loan up to 75%) b) 45% (for loan up to 55%) \| a) Up to 20% CPF and 5% in cash. b) Up to 35% CPF and 10% in cash. \| Check with bank \| \| ### Down payment requirements for a HDB loan #### BTO Flats with HDB Loan For BTO flats, the down payment is 20% of the purchase price, which can be paid using your CPF Ordinary Account (CPF-OA), cash, or a combination of both. Typically, this payment is made when signing the Agreement for Lease. However, if you qualify for the [Staggered Downpayment Scheme](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/sign-agreement-for-lease), you can split the payment into two parts: 5% when signing the lease agreement (around six months after booking the flat) and the remaining 15% when collecting the keys. This option helps ease the upfront financial burden for buyers. #### Resale flats with HDB loan For resale flats, the down payment remains at 20% of the purchase price, and buyers can pay using CPF-OA, cash, or a mix of both. The key difference lies in the payment process: - CPF payments are processed once financial plans are confirmed via the HDB Resale Portal. - If you’re paying with cash, you’ll need to submit a Cashier’s Order during the resale completion appointment. #### Executive Condominiums (EC) with HDB loan If you're purchasing an Executive Condominium (EC), you cannot take an HDB loan and will need to secure a bank loan instead. The down payment requirements for bank loans differ and will be covered in the next section. ### Down payment requirements for a bank loan ### BTO flats with bank loan For BTO flats with a bank loan, the down payment can range from 25% to 45% of the purchase price, depending on the loan amount. - If your loan is up to 75% of the purchase price, you will need to pay 25% as a down payment. - If your loan is up to 55% of the purchase price, you will need to pay 45% as a down payment. This remainder is paid when you collect your keys, and you can use your CPF, cash, or a combination of the two. #### Resale flats with bank loan The down payment for purchasing a resale flat with a bank loan can be quite substantial, ranging from 25% to 45% of the purchase price. Fortunately, much of the down payment can be covered using your CPF-OA balance. - If your bank loan covers up to 75% of the purchase price, you will need a 25% down payment. At least 5% must be paid in cash, with the remainder covered by your CPF-OA. - If your bank loan is up to 55% of the purchase price, the down payment increases to 45%. In this case, at least 10% must be paid in cash, with the remaining 35% coming from your CPF savings. These payment structures ensure flexibility, allowing you to use both cash and CPF to manage the down payment when purchasing a resale flat. » Find out about [how much you can borrow for your home loan in Singapore](https://www.singsaver.com.sg/blog/how-much-can-you-borrow-for-your-home-loan) ## Factors that affect your HDB down payment When you're considering purchasing an HDB flat, several factors will influence the down payment you need to make. Here’s a breakdown of what to expect: ### Type of loan - HDB loan: Requires a 20% down payment for all flat types (BTO, resale). - Bank loan: Offers lower down payments of 25% for loans up to 75%, but a higher downpayment of 45% for loans up to 55%. - No loan options: For ECs, HDB loans are not applicable, and you’ll have to use a bank loan. ### Using CPF for your HDB down payment One of the advantages of buying a flat in Singapore is the option to use your CPF Ordinary Account (CPF-OA) to pay for your down payment. - CPF-OA can be used to pay for most of the down payment, reducing the cash amount you need to pay. - For BTO and resale flats: You can use up to 100% of the down payment with CPF funds, subject to CPF savings limits. ### Staggered Downpayment Scheme (SDS) If you're purchasing a BTO flat, you may benefit from the Staggered Downpayment Scheme, which allows you to pay your down payment in two stages: - Pay 5% at the signing of the lease agreement and 15% when collecting your keys. - Applies to BTO flats only and allows a split payment, reducing the immediate financial burden. This scheme helps ease the immediate financial burden of the full down payment, spreading it out over a longer period. ### Property type (BTO, Resale, EC) The type of flat you choose will also impact your down payment: - BTO: 20% down payment, can be paid using CPF. - Resale: Also 20% downpayment, CPF allowed, but cashier’s order for cash payments. - EC: No HDB loans allowed; bank loan downpayment varies from 25% to 45%. ### Government schemes and assistance If you’re a [first-time homebuyer](https://www.singsaver.com.sg/blog/things-first-time-home-buyers-must-know), you may be eligible for various government assistance schemes that help reduce your down payment. These programmes are designed to make homeownership more accessible, so it’s worth checking if you qualify for any assistance before proceeding with your purchase. ## How much can you borrow for your HDB loan? The amount you can borrow for your HDB flat is mainly determined by the Loan-to-Value (LTV) ratio, which reflects the percentage of the flat’s purchase price or valuation that the bank or HDB is willing to lend you. Currently, the LTV for HDB loans is capped at 80%, meaning you'll need to pay at least 20% of the purchase price from your own funds (either in CPF or cash). Several other factors also influence the loan amount you can qualify for: - Financial profile: This includes your income level, employment stability, and creditworthiness. - Credit score: A higher score typically improves your borrowing capacity. - Existing debts: If you have other outstanding loans, including housing loans, it may reduce the amount you can borrow. Additionally, the maximum loan ceiling is influenced by the loan tenure (the repayment period). The longer the tenure, the more you may be able to borrow, but if you have more than one housing loan, this could lower the loan amount you qualify for. Evaluating these factors is crucial to understanding how much you can borrow and ensuring your loan is manageable in line with your financial commitments. ## Benefits of a larger downpayment for your HDB Making a larger down payment on your home offers several advantages: - More equity in your home right away: A larger down payment means you own a bigger share of your property from the start, giving you more [home equity](https://www.singsaver.com.sg/blog/ways-to-turn-your-home-into-cash) and security. - Lower monthly mortgage payment: The higher your down payment, the smaller your loan amount. This results in lower monthly [mortgage payments](https://www.singsaver.com.sg/blog/best-home-loans-singapore), which can ease your financial burden. ## When do you need to pay your HDB down payment? Now that you know the downpayment amounts for different HDB flats and scenarios, you may be wondering when exactly you need to pay it. \| \| \| \| \|---\|---\|---\| \| Flat type \| Housing loan type \| When to pay down payment? \| \| BTO flats \| HDB loan \| During signing of lease agreement. If on Staggered Downpayment Scheme, 5% during signing of lease agreement, 5% during collection of keys. \| \| Resale flats \| HDB loan \| Using CPF: Upon confirming your financial plan through HDB Resale Portal Cashier’s Order: At resale completion appointment \| \| BTO, resale or EC \| Bank loan \| Check with your bank on the payment schedule \| ## Exploring CPF usage for your HDB down payment The Central Provident Fund (CPF) is an essential tool for home financing in Singapore, especially for your down payment. Here’s how you can make use of your CPF savings: ### Using CPF for down payment #### HDB housing loan - Downpayment: At least 25% of the purchase price, which can be paid in full using your CPF Ordinary Account (OA), with cash, or a combination of both. - Maximum loan amount: Up to 75% of the purchase price for new flats. For resale flats, it is 75% of the resale price or market valuation (whichever is lower). - Use of OA savings: You must use the available savings in your OA for the purchase of the flat before an HDB housing loan is granted for the remaining amount. #### Bank housing loan - Downpayment: 25% of the purchase price, with 5% payable in cash and the remaining 20% payable in cash or your CPF OA savings. - Maximum loan amount: Up to 75% of bank valuation or purchase price (whichever is lower). - Use of OA savings: You can set aside any amount of CPF and pay your bank housing loan with cash instead. ## First-time buyer incentives If you’re a first-time homebuyer, you can take advantage of several incentives to make your home purchase more affordable: ### 1\. First-Timer Priority Scheme Priority schemes enhance your chances in the computer ballot for flats offered in the Build-To-Order (BTO) and Sale of Balance Flats (SBF) exercises. You may apply for 1 priority scheme to enhance your chances in the ballot, if your household meet the eligibility conditions at the point of your HFE letter application. ### 2\. Enhanced CPF Housing Grant (EHG) Up to \$80,000 for eligible first-timer families and up to \$40,000 for singles, depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old. This is given on top of the CPF Housing Grant ### 3\. Proximity Housing Grant (PHG) If you’re buying a flat to live near your parents or children, you can receive up to S\$30,000 if you purchase a resale flat in close proximity to them. » Read on to find out [how much you need to buy your first home in Singapore](https://www.singsaver.com.sg/blog/costs-of-bto-flat-resale-flat-ec-and-condo-in-singapore)
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