Pick the Didimdol Loan or the Newborn Special Loan, enter your income, assets, and the home's purchase price, and this checks eligibility and estimates your LTV-based loan limit. Because the income/asset/price caps, LTV, and loan caps all shift with government policy, only reference defaults are auto-filled for the selected product — everything stays directly editable.
First-time buyers, newlywed households, households with 2+ children, and similar special categories may have different income/price caps and loan caps. Edit the criteria fields below to match the current official announcement.
If you have more than one child, enter the most recent birth (or adoption) date.
The birth or adoption must fall within this window, measured from the loan application date, to qualify. This window has changed with policy announcements before, so verify the current figure and edit it if needed.
Reference defaults for the selected loan product are auto-filled here. Because the income/asset/price caps, LTV, and loan caps all change under government housing policy, none of these are fixed values — check the latest official announcement from the Korea Housing Finance Corporation (HF) or Fund e-Deundeun before you apply, and edit the fields below to match.
Enter combined household income, net assets, and the home's purchase price to check eligibility and estimate your loan limit.
At least one of the requirements above isn't met. The figures below assume every requirement is met, so treat them as reference only.
This is a reference estimate only and does not guarantee loan approval. Both the Didimdol Loan and the Newborn Special Loan are policy home-purchase loans guaranteed by the Korea Housing Finance Corporation (HF) and handled through Fund e-Deundeun (Housing and Urban Fund) — applying requires meeting the no-home household head requirement together with the combined household income, net asset, and house price caps, the loan-to-value ratio (LTV), and the product's overall loan cap. This calculator approximates your final loan limit as the lower of the 'LTV-based limit (house price × LTV cap)' and the 'product's overall loan cap'; the actual underwriting review also factors in DSR/DTI, credit score, existing loans, the property's actual appraised value, and the mandatory minimum-deposit protection deduction (방공제) for tenant priority claims, any of which can change your real limit. The income/net asset/house price caps, LTV, loan caps, and — for the Newborn Special Loan — the eligible birth/adoption window are all expanded or tightened from time to time under government policy and budget conditions, so this calculator avoids hardcoded figures: it only auto-fills reference defaults for the selected product, and all date comparisons are made dynamically against the actual current date at calculation time. Before applying, always verify the latest official announcement and your exact eligibility through Fund e-Deundeun (nhuf.molit.go.kr) or the Korea Housing Finance Corporation. This is not legal or financial advice.
The Didimdol loan is Korea's government-backed mortgage program for first-time and no-home-owning buyers with modest income, offering below-market interest rates, while the newborn special loan is an enhanced version specifically for households with a recent birth or adoption, offering even more favorable terms — both cap how much you can borrow based on income, assets, and the property's price relative to a loan-to-value ratio. This tool estimates your maximum loan amount under whichever program applies to you.
The calculator first checks your eligibility against each program's household income, net asset, and (for the newborn program) birth/adoption recognition period requirements — all using reference thresholds you can adjust since they're set by policy and revised periodically. It then computes two figures: an LTV-based limit (property price × LTV percentage) and each program's own stated maximum loan cap, taking whichever of the two is lower as your final estimated loan limit, since a loan must satisfy both the collateral-based LTV constraint and the program's absolute ceiling simultaneously.