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Hi,

There are no doubt about your eligibility to purchase a resale flat under Non-Citizen Spouse scheme. Note that at the point of application your spouse LTV pass must has a validity of at least 6 months.

According to information provided.

HDB is able to loan you around $165k.
If your income is at $2.5k exact, you are eligible for $30k AHG.

Hereby breakdown of the amount required for HDB between 255k with the assumption of getting sufficient HDB loan as this will greatly reduce the amount of cash needed.

Cash required for resale purchase:

(1) OTP deposit & exercise = $5k
(2) Resale application = $80
(3) For transfer or mortgage = $38.30
(4) Valuation = $120
(5) Miscellaneous = $15
(6) Caveat = $139.30
(7) Fire insurance = $4.50 (3-rm)
(8) Salesperson commission (1%+GST) = $2,728.50 ($255k)

CPF:
(1) 10% downpayment = $56k ($255k)
(2) Buyer stamp duty = $2,250 ($255k)
(3) Legal fee = $999 ($255k)
(5) HPS = $143 ($255k)

Your monthly installment is at $744.02 assuming you are able to receive 25 yrs loan.

From the tabulation of finance situation, do note that you can only afford to purchase max of $255 flat.
Anything above, you will have to use cash to top up.

Hope the above answer to your main concerns, but if there are more queries, do not hesitate and feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com

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