The result provides one upfront cash target before exemptions or legal quotations.
Finance calculator
Home Down Payment & Closing Cost Calculator
Build one upfront cash target before comparing mortgage payments or viewing properties.
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No account. Formula and assumptions are shown below.
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Home upfront cost details
Formula & disclaimer
Upfront Cash = Down Payment + Transfer Duty + Loan Agreement Duty + Other Closing-cost Allowance
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 29 August 2026 Β· automated checks included
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How to read this result
Three useful checks, kept deliberately short.
RM500,000 home with 10% down payment and a 2% other-cost allowance: Calculate the down payment Β· Estimate ordinary stamp duty Β· Add the closing-cost allowance.
Exemptions, legal fees, valuation, consent and disbursements depend on the transaction.
Formula and assumptions
Upfront Cash = Down Payment + Transfer Duty + Loan Agreement Duty + Other Closing-cost AllowanceTransfer duty uses ordinary progressive bands and loan agreement duty uses RM5 per RM1,000 of estimated financing.
Keep in mind: Obtain current legal, valuation and financing quotations before committing to a purchase.
Monitored dataApplied basis: Ordinary property transfer and loan-agreement stamp-duty planning ratesSource checked 2026-08-29 Β· next scheduled check 2026-10-31HASiL
Official sourcesHASiL stamp duty overview β
Produced byCalcs at Hand Editorial Team
Last formula check29 August 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β