WA $650k FHB: established vs new-build cash stack
Same price and live-in FHB ticks — property type can change grant credit and the cash you must bring to settlement in Western Australia.
Engine 2026-07-ftc. Educational estimate — not a Revenue Office assessment or credit advice.
Briefing
Western Australia cash planning is still duty plus deposit plus fees. Grants lean new-build. The same live-in first-home ticks on established versus new can change whether a grant credit appears — while duty remains its own line.
Importing east-coast grant headlines into a WA contract is how people underfund. Confirm administering rules for your contract date. Temporary boosts expire.
Scheme caps still need a separate metro versus regional check if you want 5%. Living-in and prior ownership still gate first-home and scheme stories.
Model established with grant = $0 as the honest base case. If the new-build path shows a grant, treat it as conditional until confirmed. Do not spend it in your head.
Open the WA learn hub after this comparison, then the WA first-home buyer calculator with your real price and property type.
The decision
Are you buying established stock, or a new home path that may change grant treatment?
- FHOG settings often favour new homes over established dwellings
- Duty and grant are separate — a grant does not rewrite the duty table
- Living-in and first-home gates still apply on both paths
- Budget established purchases with grant = $0 unless confirmed
- Scheme caps still need a separate check if you want 5%
What to tick
- State: WA
- Price: $650,000
- Live in it: Yes
- First home buyer: Yes
- Compare Established vs New build
Engine comparison
Established + FHB live-in
Mainstream established purchase — often weaker or nil FHOG. Plan settlement cash without a grant surprise.
- Stamp duty
- $20,449
- Deposit
- $130,000 (20%)
- LVR
- 80.0%
- LMI flag
- Not flagged
- Funds to complete
- $150,869
WA FHB sliding concession ($500k–$700k)
Within 5% Scheme cap ($850,000) for WA metro / regional centre — no LMI under Scheme
New build + FHB live-in
Same buyer profile on a new-home path — grant credit may appear where modelled. Still confirm contract date and administering rules before you spend the grant in your head.
- Stamp duty
- $20,449
- Deposit
- $130,000 (20%)
- LVR
- 80.0%
- LMI flag
- Not flagged
- FHOG credit
- −$10,000
- Funds to complete
- $140,869
WA FHB sliding concession ($500k–$700k)
Within 5% Scheme cap ($850,000) for WA metro / regional centre — no LMI under Scheme
Takeaway
In WA, do not import an established-home cash plan onto a new-build contract, or the reverse. Model the property type you will actually sign, confirm grant eligibility with the administering body, and keep duty as its own line. Open the WA FHB calculator briefing after this scenario.