CPF OA Housing Withdrawal Calculator
Calculate Singapore CPF Ordinary Account (OA) housing withdrawal — Valuation Limit (VL), Withdrawal Limit (WL), Enhanced Housing Equity (EHE). The complex CPF math that determines how much OA you can use for property.
The Three Housing Withdrawal Limits
Valuation Limit (VL): lower of purchase price or property valuation at point of purchase. Withdrawal Limit (WL): 120% of VL for private property; 100% of VL for HDB if under 65 years old at purchase; 'reasonable' WL for older buyers based on Basic Retirement Sum compliance. Enhanced Housing Equity (EHE): if you've fully paid VL and still have unpaid mortgage, additional CPF use requires meeting Basic Retirement Sum (BRS) in Retirement Account.
Private Property vs HDB Rules
HDB BTO/resale: OA covers down payment (5% cash + 20% CPF/cash) and monthly mortgage. WL = 100% of VL. HDB grants reduce CPF need. Private property: full down payment in CPF/cash, 25% minimum (5% cash mandatory). WL = 120% of VL. Private buyers must maintain CPF Minimum Sum at 55. For buyers 55+: must hold BRS ($102,900 in 2026) before using OA beyond VL.
Once You Hit Withdrawal Limit
Beyond WL, you must pay mortgage in CASH unless: (1) You meet BRS in RA (Basic Retirement Sum, $102,900 in 2026), OR (2) You set aside BRS via OA pledge. This prevents over-leveraging retirement on property. Common scenario: HDB owner with 30-year loan hits WL at year 25 — last 5 years of mortgage must be paid from cash.
Strategic Housing CPF Tips
(1) Don't max out OA on first property — keep buffer for emergencies and second property. (2) Refinance: CPF deductions reset; opportunity to pay down with cash and reduce CPF reliance. (3) Couple buyers: separate OA usage means each spouse has own VL/WL — strategic allocation. (4) After 55: OA balance above BRS available for cash withdrawal — many forget about this and leave money tied up.
Sources: cpf.gov.sg housing withdrawal rules, HDB Housing Policy 2026. Last updated: May 2026.