Total cost calculator
Downpayment, stamp duty (same tier model), legal %, and fixed fees — see total cash needed before the loan fills the gap.
Purchase setup
Stamp duty uses the 1% / 2% / 3% tier model. Adjust legal % and fixed fees to match quotes.
Cash you need upfront
- DownpaymentRM 75,000
- Stamp dutyRM 16,500
- LegalRM 6,000
- Total cash neededRM 102,500
What makes up your upfront cash
- Down
- Stamp
- Legal
- Fees
Many buyers underestimate upfront cash needed. For a RM 750,000 home with 10% down, legal at 0.8% of price, and RM 5,000 in fixed fees, you need roughly RM 102,500 in cash before the loan covers the balance — mostly down payment, stamp duty (tiered model), legal, and those fixed charges. Tune the percentages to match your SPA and banker.
Total cash needed includes fixed fees (RM 5,000). Loan balance RM 675,000 is financed, not paid upfront.
Continue planning
Follow a guided flow between calculators. When you use the links below, we pass your numbers in the URL so the next page starts closer to where you left off.
Suggested next steps
All tools
- Loan calculatorMonthly instalment and total interest on a fixed-rate amortising loan.
- DSR calculatorDebt service ratio from income and monthly loan commitments.
- Affordability calculatorRough max loan from income, DSR cap, and existing obligations.
- Stamp duty calculatorIllustrative Malaysia transfer duty tiers on purchase price.
- Total cost calculatorCash needed upfront: down payment, stamp duty, legal, and fees.You are here
- Browse listingsSearch Johor properties by budget and filters.
Based on your calculation:You can afford RM 660,000–RM 840,000 properties
Next steps
Open listings in this band or use Get My Property Plan with your estimated budget.
Tips
- Downpayment = price × downpayment %. Stamp duty follows the 1% / 2% / 3% tiers on the full price in this tool.
- Legal = price × legal % (a simple proxy for SPA and disbursement costs — replace with your quote).
- Total cash needed = downpayment + stamp duty + legal + fixed fees. The loan covers the rest of the price.
Local insight (Malaysia)
- JB launches sometimes advertise “low entry” but cash for duty and legal still hits your bank account early.
- Singapore earners: plan MYR for stamp and fees even if your salary is in SGD.
- Many buyers underestimate upfront cash — compare this total to your savings before you book a unit.
