Kenny's Take
The 25% downpayment number gets thrown around a lot, but the split matters more than the total: 5% must be cash no matter how healthy your CPF OA looks. For HDB upgraders especially, the timing gap between your HDB sale proceeds landing and your condo completion date is where the real planning needs to happen — map it out before you commit to an Option to Purchase, not after.
📘 What the guide covers
- How the 25% downpayment splits into a minimum 5% cash portion and a 20% cash-or-CPF portion — and why the 5% can't be waived.
- How CPF Withdrawal and Valuation Limits affect how much OA is actually available, especially after a prior HDB sale.
- The upfront costs buyers forget to budget beyond the downpayment: BSD, ABSD, legal and valuation fees.
- Read the full guide: kennyneoadvisory.com/blog/condo-downpayment-singapore-2026-how-much-cash-cpf