CPF Housing Withdrawal Calculator (2026)
See how much CPF OA you can use for your property downpayment and monthly instalments.
What is the CPF Housing Withdrawal Calculator?
The CPF Housing Withdrawal Calculator estimates how much of your CPF Ordinary Account you can use for a property purchase in Singapore. It accounts for the Valuation Limit, Withdrawal Limit, and downpayment rules for both HDB flats and private properties as set by the CPF Board.
See how much CPF OA you can use for your property purchase
Disclaimer
This calculator provides estimates and should not be viewed as a prediction. Actual CPF contributions, allocations, and payouts may vary due to policy changes, individual circumstances, and rounding rules. It is not intended to be your sole source of financial guidance.
Rates last verified: 4 Apr 2026.
Verify with CPF Board (https://www.cpf.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
Quick Reference
- • HDB loan: 25% downpayment, fully payable by CPF OA with $0 cash minimum (75% LTV, lowered from 80% on 20 Aug 2024)
- • Bank loan (HDB): 25% downpayment, minimum 5% cash (75% LTV)
- • Private property Withdrawal Limit: 120% of lower of price or valuation
- • Accrued interest on CPF used must be refunded at 2.5% p.a. upon sale
Who This Calculator Is For
HDB Flat Buyers
CPF OA funds can pay for HDB purchase price and monthly mortgage instalments. Accrued interest (2.5% p.a.) must be returned to CPF on sale.
- HDB loan LTV: 75% (lowered from 80% in Aug 2024)
- Cash minimum: $0 with HDB loan, 5% with bank loan
- Accrued interest: 2.5% p.a. on CPF used
Private Property Buyers
CPF OA can fund private property up to the Valuation Limit (VL) or Withdrawal Limit (120% of VL depending on lease and age).
- Withdrawal Limit: 120% of Valuation Limit
- Cash minimum: 5% (first property), 25% (subsequent)
- Lease condition: Must cover borrower to age 95+
Sellers Calculating Accrued Interest
When you sell a property, you must return the CPF principal used plus 2.5% p.a. accrued interest before receiving sale proceeds.
- Refund rate: 2.5% p.a. on CPF used
- Refund goes to: Your CPF OA
- Cash proceeds: Sale price minus outstanding loan minus CPF refund
Joint Buyers
Each co-owner contributes from their own CPF OA. Accrued interest is tracked per person. Decoupling scenarios may affect CPF obligations.
- CPF tracking: Per individual owner
- Decoupling: May trigger partial CPF refund
- Split: Each co-owner's CPF refunded separately on sale
How CPF Housing Withdrawal Works
Your CPF Ordinary Account (OA) can be used for property purchases in Singapore, but the amount you can withdraw depends on the property type, the Valuation Limit (VL), and any applicable Withdrawal Limit.
The Valuation Limit is the lower of the purchase price or the market valuation of the property. For HDB flats with an HDB loan, you can use CPF OA for up to 100% of the downpayment. For bank loans, you need at least 5% cash for HDB and 5% cash for private (first property).
For private properties, the Withdrawal Limit is set at 120% of the lower of the purchase price or valuation. Once this limit is reached, further loan repayments must be made in cash. Accrued interest at 2.5% p.a. must be refunded to your OA when the property is sold.
HDB Flat (HDB Loan)
25% downpayment, fully payable by CPF OA ($0 cash minimum)
Up to 75% LTV (lowered from 80% on 20 Aug 2024)
HDB Flat (Bank Loan)
25% downpayment, minimum 5% in cash
Up to 75% LTV
Private Property
25% downpayment, minimum 5% in cash (first property)
120% Withdrawal Limit applies
Using CPF for HDB vs Private Property
CPF rules differ significantly between HDB flats and private properties. Key differences affect how much you can use and what happens on sale.
| Aspect | HDB Flat | Private Property |
|---|---|---|
| Withdrawal limit | Up to purchase price (no cap) | Up to Valuation Limit (VL) |
| Accrued interest on sale | Must return to CPF | Must return to CPF |
| Minimum lease rule | Property must have ≥60 years left at purchase | Lease must cover borrower to age 95+ |
| CPF usage beyond VL | Not applicable for HDB | Allowed up to 120% VL if lease and age conditions met |
| MOP before sale | 5 years | N/A (no MOP for private) |
HDB flats generally allow more CPF usage with fewer restrictions. Private property CPF rules are more complex — verify with CPF Board before purchase.
Frequently Asked Questions
How much CPF OA can I use for my housing purchase?expand_more
For HDB flats, you can use your CPF OA up to the Valuation Limit (VL) for the downpayment and up to the full purchase price (including VL) for monthly instalments. For private properties, CPF usage is capped at the Withdrawal Limit (120% of the lower of the purchase price or valuation).
What is the Valuation Limit (VL)?expand_more
The Valuation Limit is the lower of the purchase price or the market valuation of the property at the time of purchase. CPF OA can be used for the downpayment up to this limit. Any amount above the VL must be paid in cash.
Is CPF usage different for HDB and private properties?expand_more
Yes. For HDB flats, you can use CPF OA for up to 100% of the downpayment (minimum 10% of purchase price for HDB loan, or 25% for bank loan with at least 5% in cash). For private properties, the minimum cash downpayment is 5% (first property) or 25% (second property onwards), and CPF usage is subject to the Withdrawal Limit.
Can I still use CPF for housing after meeting the Basic Retirement Sum?expand_more
Yes. Once you have set aside the Basic Retirement Sum (BRS) in your Retirement Account, you can continue using your OA savings for housing. If your RA savings are below the BRS, a portion of CPF housing usage may need to be refunded to your RA when you sell the property.
Can I use CPF OA to pay my monthly home loan instalments?expand_more
Yes. You can use your CPF OA to service monthly home loan instalments for both HDB and private properties, subject to the Withdrawal Limit. Any accrued interest must be refunded to your CPF OA when you sell the property.
Sources
- • CPF Board (cpf.gov.sg) — CPF housing withdrawal rules, Valuation Limit, and Withdrawal Limit policies
- • HDB (hdb.gov.sg) — HDB loan eligibility, LTV limits, and downpayment requirements