Your upfront costs, which includes the amount of downpayment you have to pay via CPF and/or cash will depend on your home loan and type of property purchase. Here is what you can expect to pay.
If you're buying an HDB resale flat, you'll need to consider having to pay Cash Over Valuation (COV). Should the sale price be higher than the HDB valuatio is a rising trend. In Feb 2021, ChannelNews Asia reported more buyers willing to pay COV for HDB resale flats in Singapore. To better plan your finances, here's how to estimate COV and HDB valuation.