Clear the mortgage. Know exactly what's left.
The statement of sale, what happens to the CPF you used, and the rules for moving to a resale HDB flat.
Your statement of sale
Put in your figures. Every line a sale prints, down to the cash that reaches you.
| Entry | Amount | Balance |
|---|---|---|
| Sale of property | +1,800,000 | 1,800,000 |
| Agent fee 2% | −36,000 | 1,764,000 |
| Legal fees | −2,500 | 1,761,500 |
| Mortgage redemption | −400,000 | 1,361,500 |
| CPF refund to your CPF account | −350,000 | 1,011,500 |
| Cash to you | $1,011,500 | |
Back into your CPF
$350,000
Could add to CPF LIFE from 65
about $2,540 to $2,700/month
Estimate. Stamp duty on your next home isn't included.
Moving to a resale HDB flat
HDB removed the 15-month wait-out on 28 July 2026 for most buyers. Two questions decide what still applies to you.
No wait-out
Since 28 July 2026, buying a non-subsidised resale flat without an HDB loan or grant carries no wait-out after selling private property.
Read the full guide
Hi, I'm Ali.
I'm a property consultant with PropNex (CEA R068687C). I help owners in their 50s and 60s plan the move that pays for retirement, and I show every number before we talk about listing anything.