Plan · Tool 39

Downpayment planner

Cash minimum, CPF-capable balance, duties and reserve after the purchase.

Decision questionIs enough of the war chest in the right form?

Rules reviewed10 Aug 2026MAS / MoneySense basis

02 · Primary answerNeeds attention

Funding shortfall

S$392,60055% LTV and a displayed 10% minimum-cash planning requirement.

Total upfront fundsS$872,600

Minimum cashS$180,000

Cash + CPF availableS$480,000

Decision shaperelative scale

Cash

S$300,000

CPF

S$180,000

Total required

S$872,600

NAVARO read

The combined war chest does not cover the displayed equity, duties and legal allowance.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

01Equity contributionS$810,000

02Purchase dutiesS$59,600

03Legal allowanceS$3,000

04Total upfront fundsS$872,600

05Available cash + CPFS$480,000

06Surplus / shortfall−S$392,600

Continue the decision