Is there a computation breakdown that can be used to estimate the cash amount ready for the initial outlay of HDB resale flat?

Hi Anon, here's a simple breakdown for you:

1) HDB loan/ Not taking any housing loan: 10% of the purchase price (CPF-OA or Cash)

2) Bank loan: 25% of the purchase price for loan ceiling of 75% (Min 5% from Cash, the remaining 20% can be from CPF-OA

There are also additional costs and fees that you need to be aware of, like legal fees, stamp duty etc. A good idea is to set aside 5% of the purchase price in cash, it should suffice.

You can consider using Resale Financial Plan from HDB website: https://www.hdb.gov.sg/cs/infoweb/residential/b...