• CPF usage depends on remaining lease and coverage of the youngest buyer using CPF to age 95. Without that coverage, usage may be pro-rated. This single-buyer model uses your entered age in the purchase year; co-owner details are not modelled.
• Property generally needs more than 20 years of remaining lease for CPF use. Freehold has no lease-duration restriction; 999-year tenure is calculated, not treated as freehold.
• HDB loan LTV may be pro-rated where the lease does not cover the youngest applicant to 95. No personalised CPF or LTV percentage is calculated.
• Modelled HDB tenure is the shortest of your selected tenure, 25 years, years until age 65, and remaining lease minus 20 years. Actual age/lease constraints and eligibility require HDB review. EC purchases use bank financing.
• HDB concessionary rate default: 2.6% p.a. (Oct–Dec 2026 reference), editable. Bank rate default: 3.5% p.a., an editable prototype assumption, not a live market rate.
• Est. cash top-up/mo = max(0, estimated mortgage − user-entered CPF OA/month). CPF availability is an assumption, not a calculation of permitted usage. No MSR/TDSR or lender approval is modelled.

Verify with CPF Board housing guidance, HDB loan guidance, and the Oct–Dec 2026 rate reference. Rates and policies are reference assumptions, not live updates.