Seller Proceeds Calculator (Estimate)
Net sale proceeds
Gross sale price: SGD 500,000
Less outstanding loan: SGD 50,000
Less CPF refund estimate: SGD 52,500
Less agent fee: SGD 10,000
Less legal & misc: SGD 3,000
Net sale proceeds: SGD 384,500
⚠️Estimates only. This tool provides indicative calculations and is not financial or legal advice. Check with banks, CPF and licensed professionals for exact figures.
How to use this tool
- Enter your expected HDB sale price, outstanding loan, CPF used, agent fee, legal fees, and miscellaneous costs.
- Review the estimated loan repayment, CPF refund, selling costs, and net cash proceeds.
- Use the net proceeds estimate to plan your next property purchase or upgrade budget.
Frequently asked questions
What reduces my cash proceeds when selling an HDB flat?
Outstanding loan repayment, CPF refund with accrued interest, agent commission, legal fees, and miscellaneous selling costs reduce the cash you receive.
Is CPF refund the same as cash loss?
No. CPF refunded goes back to your CPF account and may still be usable for your next eligible property, subject to CPF rules and limits.
Why do sale proceeds matter for an HDB upgrade?
Sale proceeds determine how much cash and CPF you can deploy for down payment, stamp duties, and renovation after selling your existing flat.
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