Buyer's Guide
HDB Housing Grants
CPF Housing Grants can knock tens of thousands of dollars off the cost of a flat — a first-timer family buying a resale flat can potentially combine three different grants for up to $230,000. Here's every grant currently available, what it's worth, and who qualifies.
Before You Start
Who Counts as a "First-Timer"
Every grant below requires at least one applicant to be a first-timer — someone (and, for a family application, a household) who has never previously received a CPF Housing Grant, an HDB flat bought directly from HDB, or other public housing subsidy. You also need to apply as part of an eligible family nucleus — most commonly a married or engaged couple, but also parents-and-child or joint-singles arrangements — see our Purchase Eligibility guide for the full schemes.
Good to Know
The maximum combinable total depends on what you're buying. Buying a resale flat as a first-timer family, you can potentially stack the Enhanced CPF Housing Grant, the CPF Housing Grant for Resale Flats, and the Proximity Housing Grant for up to $230,000 (or up to $115,000 as a first-timer single). Buying a new BTO or Sale of Balance Flats unit, only the Enhanced CPF Housing Grant applies — up to $120,000 for families or $60,000 for singles — since the other two grants are resale-only.
Not Available to a PR/PR Household
None of the grants on this page are available to a household made up of two Permanent Residents — every grant requires at least one Singapore Citizen applicant. A PR/PR household is also not eligible for an HDB housing loan. See our Payment Schedule for a Resale HDB Flat guide for the fuller set of PR/PR-specific conditions.
At a Glance
Types of Housing Grants
Four grants are currently available, each with its own income ceiling and flat-type restrictions (figures as of August 2026).
New (BTO/SBF) & Resale Flats
Enhanced CPF Housing Grant (EHG)
The largest grant — tapers down as household income rises toward the ceiling
| Household | |
|---|---|
| Families / couples | Up to $120,000 |
| Singles, buying alone | Up to $60,000 |
| Singles, buying with another single first-timer | Up to $120,000 |
Income ceiling: $9,000/month for families, $4,500/month for a single buying alone. Requires at least one Singapore Citizen applicant, first-timer status, 12+ months of continuous employment, and no private residential property owned or disposed of within the last 30 months.
Resale Flats Only
CPF Housing Grant for Resale Flats
Still widely known as the Family Grant (or Singles Grant) — a flat amount, not income-tapered
| Household & flat size | |
|---|---|
| Families — 2- to 4-room flat | Up to $80,000 |
| Families — 5-room flat & larger | Up to $50,000 |
| Singles — 2- to 4-room flat | Up to $40,000 |
| Singles — 5-room flat & larger | Up to $25,000 |
Income ceiling: $14,000/month for families, $7,000/month for singles — higher than the EHG ceiling, so many households qualify for both at once. Same first-timer and property-ownership conditions as the EHG.
Resale Flats Only
Proximity Housing Grant (PHG)
Rewards living with, or near, your parents or children
| Living arrangement | |
|---|---|
| Families — same flat/block as parent or child | $30,000 |
| Families — within 4km of parent or child | $20,000 |
| Singles — same flat/block as parent or child | $15,000 |
| Singles — within 4km of parent or child | $10,000 |
No income ceiling. The parent or child you're living with or near must be at least a Singapore PR, and the arrangement generally has to be maintained through the flat's Minimum Occupation Period.
New ECs From a Developer Only
CPF Housing Grant for ECs
For a brand-new Executive Condominium bought directly from a developer — not a resale EC
| Household | |
|---|---|
| SC/SC household | Up to $30,000 |
| SC/PR household | Up to $20,000 |
Tapers to $0 as household income approaches the $16,000/month ceiling. First-timers only, and doesn't apply to a resale EC. A resale levy (currently $55,000) applies if you go on to buy another subsidised flat later.
Grant amounts and income ceilings shown are current as of August 2026, based on HDB and CPF Board's published grant schemes. Exact amounts within the Enhanced CPF Housing Grant and EC grant tables taper continuously with household income rather than in fixed steps — see mynicehome.gov.sg or cpf.gov.sg for the precise figure at your income level. Grant schemes, ceilings, and conditions are set by HDB, CPF Board, and MND and can change — always confirm current eligibility when you apply for your HFE letter. This is general information, not financial advice.