Calculate how much a resale HDB flat really costs in Singapore. This free HDB resale cost calculator includes Buyer's Stamp Duty, legal fees, agent commission, Cash Over Valuation (COV), renovation costs, and full downpayment breakdown.
Not sure if resale or BTO is right for you? Read our BTO vs Condo guide or use the BTO Downpayment Calculator for comparison.Book a free chat with Vicki for personalised advice.
Calculate your resale flat costs, COV, downpayment breakdown, and monthly mortgage. All the numbers, clearly laid out.
Thinking about buying a resale HDB? The total cost goes well beyond just the listing price. This HDB resale cost calculator breaks down everything you'll actually pay: Buyer's Stamp Duty (BSD), legal fees, agent commission, and renovation costs.
One of the most common questions I get is "how much does a resale HDB cost, really?" The listing price is just the start. You also need to factor in Cash Over Valuation (COV), stamp duty, conveyancing fees, and your downpayment split between cash and CPF.
This calculator does all that maths for you. Enter your resale flat price, and it shows you the full cost picture: BSD based on the latest IRAS rates, estimated legal and conveyancing fees, agent commission, and your monthly mortgage repayment based on your loan tenure and interest rate.
You'll also see exactly how much you need in cash versus CPF OA, so there are no surprises on completion day. The breakdown covers both HDB loan and bank loan scenarios, so you can compare which works better for your situation.
Resale flats come with trade-offs compared to BTO flats: no waiting period, but no subsidised pricing either. If you're weighing your options, check out our BTO vs Condo guide for a detailed comparison, or use the BTO Calculator to see how a new flat stacks up cost-wise.
Check your HFE letter or use HDB's calculator for your eligible amount
Short Remaining Lease
HDB loan not available for flats with less than 20 years remaining lease. No grants eligible.