Start with your sale price
Pick your flat type for a typical figure, then edit it to what you realistically expect to transact for. Unsure? A free valuation gives you a defensible number.
What you expect your flat to transact for. Not sure? Book a free valuation and we’ll read the real market for your block.
The loan balance to be redeemed on completion. Enter 0 if your flat is fully paid.
The CPF principal you withdrew for the purchase — this is refunded to your CPF on sale.
The interest your CPF would have earned — it must go back to CPF too. Find it on your CPF statement.
Indicative cash proceeds
to your bank, after the loan and CPF refund
Estimated resale price
Less: outstanding HDB loan
Less: CPF refund (used + accrued)
Note: grant returns to CPF
Indicative only — not a quote or financial advice. The CPF refund (principal plus accrued interest) goes back into your CPF, not your bank; any housing grant also returns to CPF. Your real figures come from HDB and CPF. Homeground is a fictional demo brand built by SGBP.
How the maths works
Four numbers between the price and your bank
Subtract the HDB loan
Your outstanding loan balance is redeemed on completion, before any cash reaches you. A fully-paid flat means a bigger cheque.
Subtract the CPF refund
The CPF you used to buy the flat goes back to your CPF — together with the accrued interest it would have earned. This is the part owners most often forget.
Note the grant context
Any housing grant also returns to CPF on sale, not to your bank. The tool shows it for context so the picture is honest.
This estimator is an honest starting point, not a quote or financial advice. Your real CPF refund (including accrued interest) and loan balance come from your CPF and HDB statements — we’ll go through them with you during a proceeds-planning session, free alongside your valuation.