CPF OA Housing Withdrawal Limit 2027 Calculator
Singapore CPF OA can finance home purchases — but with caps: 100% Purchase Price + 20% premium for HDB, plus VL/WL for private property. Calculate what you can withdraw without compromising retirement.
| Purchase price | — |
| Valuation | — |
| Valuation Limit (VL) | — |
| Withdrawal Limit (WL = 120% VL) | — |
| Max OA usable (rule applied) | — |
| Current OA balance | — |
| Outstanding loan | — |
| Available to apply now | — |
| OA after purchase | — |
Singapore CPF Ordinary Account (OA) finances home purchases. HDB has no Withdrawal Limit. Private property capped at Withdrawal Limit (WL = 120% of Valuation Limit). After age 55, CPF OA also used for monthly mortgage — but Basic Retirement Sum (BRS = S$106,500 for 2027) must be set aside first.
HDB vs Private Property Rules
HDB BTO/Resale and EC (within MOP): No Withdrawal Limit. You can use 100% of OA for purchase if loan needs it. Private property post-EC MOP: VL (lower of price/valuation) + 20% premium = WL. Once WL hit, further mortgage from cash only.
VL and WL Mechanics
VL = lower of purchase price or independent valuation. WL = VL × 1.20. Example: Purchase S$1.0M, valuation S$1.05M → VL S$1.0M, WL S$1.2M. Max OA usable for mortgage = S$1.2M total. Beyond that, cash only.
Pre-55 vs Post-55 Use
Pre-55: full OA usable for housing within limits. Post-55: BRS (S$106,500 for 2027) must be set aside in Retirement Account first. Remainder available for housing. Monthly mortgage installments can still be debited from OA post-55 if available.
Strategic Considerations
Using OA for housing means earning 2.5% (OA rate) becomes 0% on the used portion. Cash for property → OA continues earning. But the leverage from CPF (free up cash) often beats the interest spread. Run an opportunity-cost analysis.
Last updated May 2026. Sources: CPF Housing Use, CPF OA Withdrawal Limits.