What it costs to sell an HDB flat.
The cash you walk away with is the price minus the loan, the CPF refund and the costs of the sale. Knowing the costs early stops surprises at completion.
Fees paid to HDB
Resale application fee: $80 for 3-room and bigger flats, $40 for 1- and 2-room flats. Each side pays for its own part of the application. It is non-refundable and includes GST.
Legal fees
You pay for the conveyancing on your side of the sale. The amount depends on the law firm you appoint. If you use HDB’s legal services, HDB has an online estimate. Ask for a written quote before you start.
Agent commission
Commission is not fixed by law. It is agreed between you and your agent and written into the estate agency agreement before marketing starts. Ask what is included: pricing, staging, photography, video, marketing and handling the HDB process.
Seller’s Stamp Duty, if you sell early
If you sell within the holding period, SSD is payable within 14 days of the sale. For HDB flats the 5-year MOP usually runs past the holding period, but check your dates. See Seller’s Stamp Duty.
Bank loan penalties
If your bank loan is still in its lock-in period, the bank may charge a prepayment penalty when the sale repays the loan. Check your loan letter before you set a timeline. HDB loans have no prepayment penalty.
The CPF refund: not a cost, but it reduces your cash
The CPF you used, plus accrued interest, goes back to your CPF account from the sale price. It is still your money, but it is not cash in hand. See CPF refund when you sell.
If you buy another subsidised flat: the resale levy
If you sold a subsidised flat and later buy a second subsidised flat from HDB, a resale levy applies to that new purchase. It does not apply when you buy a resale flat or private property.
Moving and handover
Budget for movers, cleaning and any repairs needed for handover, plus a reserve if your next home is not ready yet. The sale proceeds calculator puts the numbers together.
Official references
Checked 11 November 2026. General guidance: confirm your eligibility, financing and transaction conditions for your circumstances before committing.