Condo Buying Cost Calculator Singapore 2026
Calculate the total upfront costs of buying a condo in Singapore — including BSD, ABSD, downpayment, legal fees, and a TDSR affordability check. Updated for 2026 rates.
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BSD Payable$44,600.00
ABSD Payable (0%)$0.00
Minimum Downpayment (25%)$375,000.00
Estimated Legal Fees (0.3%–0.5%)$6,000.00
Total Stamp Duty (BSD + ABSD)$44,600.00
Total Upfront Cash Needed$425,600.00
TDSR Check (33.7% of income)Pass
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Compare home loan rates with CIMB →How to Use This Calculator
- Enter the condo purchase price.
- Select your buyer profile (Singapore Citizen, PR, or Foreigner) and property count.
- Enter the loan amount you plan to take and your monthly income.
- View BSD, ABSD, downpayment, legal fees, total upfront cash needed, and whether you pass the TDSR check.
Key Rates Used
| Buyer Profile | ABSD Rate |
|---|---|
| SC — 1st property | 0% |
| SC — 2nd property | 20% |
| SC — 3rd+ property | 30% |
| PR — 1st property | 5% |
| PR — 2nd property | 30% |
| PR — 3rd+ property | 35% |
| Foreigner — any property | 60% |
Last updated: March 2026 · IRAS