CPF Housing Grants in Singapore — What Are They?
CPF housing grants are government subsidies credited to your CPF Ordinary Account (OA) to help Singaporeans afford public housing. They apply primarily to HDB flats and reduce the effective purchase price — meaning you borrow less, pay less interest, and own your home faster.
In 2026, a first-timer family can receive up to S$190,000 in combined grants — one of the most generous public housing subsidy schemes in the world.
Calculate your home affordability including grants with our HDB loan calculator and affordability calculator.
The Three Main CPF Housing Grants (2026)
1. Enhanced CPF Housing Grant (EHG)
The Enhanced Housing Grant is the primary income-tested grant, available to first-timer families and first-timer singles buying their first HDB flat (BTO or resale).
#### EHG — First-Timer Families
| Average Monthly Household Income | EHG Amount |
|---|---|
| S$1,500 or less | S$80,000 |
| S$1,501 – S$2,000 | S$75,000 |
| S$2,001 – S$2,500 | S$70,000 |
| S$2,501 – S$3,000 | S$65,000 |
| S$3,001 – S$3,500 | S$60,000 |
| S$3,501 – S$4,000 | S$55,000 |
| S$4,001 – S$4,500 | S$50,000 |
| S$4,501 – S$5,000 | S$45,000 |
| S$5,001 – S$5,500 | S$40,000 |
| S$5,501 – S$6,000 | S$35,000 |
| S$6,001 – S$6,500 | S$30,000 |
| S$6,501 – S$7,000 | S$25,000 |
| S$7,001 – S$7,500 | S$20,000 |
| S$7,501 – S$8,000 | S$15,000 |
| S$8,001 – S$8,500 | S$10,000 |
| S$8,501 – S$9,000 | S$5,000 |
| More than S$9,000 | S$0 |
#### EHG — First-Timer Singles (Aged 35+, buying 2-room Flexi or resale flat)
| Average Monthly Income | EHG Amount |
|---|---|
| S$750 or less | S$40,000 |
| S$751 – S$1,000 | S$37,500 |
| S$1,001 – S$1,500 | S$35,000 |
| S$1,501 – S$2,000 | S$30,000 |
| S$2,001 – S$2,500 | S$25,000 |
| S$2,501 – S$3,000 | S$17,500 |
| S$3,001 – S$3,500 | S$12,500 |
| S$3,501 – S$4,000 | S$7,500 |
| S$4,001 – S$4,500 | S$2,500 |
| More than S$4,500 | S$0 |
#### Key EHG Requirements
- At least one buyer must be a Singapore Citizen
- All buyers must not own any other property at time of flat application
- All buyers must not have received any CPF housing grant before (first-timers only)
- The flat must meet the remaining lease requirement: remaining lease must cover the youngest buyer to at least age 95
- Income is based on the average gross monthly income over the last 12 months
2. Family Grant
The Family Grant is available to first-timer families buying HDB resale flats. It is separate from the EHG and can be combined with it.
#### Family Grant — SC/SC Couple
| Flat Type | Grant Amount |
|---|---|
| 2-room or 3-room | S$50,000 |
| 4-room and above | S$80,000 |
#### Family Grant — SC/PR Couple
| Flat Type | Grant Amount |
|---|---|
| 2-room or 3-room | S$40,000 |
| 4-room and above | S$60,000 |
#### Family Grant Eligibility
- At least one buyer must be a Singapore Citizen
- Household income must not exceed S$14,000/month
- All buyers must be first-timers (no previous property ownership or CPF housing grant)
- Available for resale HDB flats only (not BTO)
3. Proximity Housing Grant (PHG)
The PHG encourages Singaporeans to live near their parents or children.
#### PHG Amounts
| Condition | Grant Amount |
|---|---|
| Living with parents/children in the same flat | S$30,000 |
| Living within 4km of parents/children | S$20,000 |
#### PHG Eligibility
- At least one buyer must be a Singapore Citizen
- Available to families (including second-timers) buying resale flats to live near parents/children
- Parents/children must be Singapore Citizens or Permanent Residents
- Available for resale HDB flats only (not BTO or DBSS)
Maximum Combined Grants — What Is Possible?
A first-timer SC/SC couple buying a 4-room or larger resale flat near parents can stack all three grants:
| Grant | Maximum Amount |
|---|---|
| Enhanced Housing Grant (EHG) | S$80,000 |
| Family Grant | S$80,000 |
| Proximity Housing Grant (PHG) | S$30,000 |
| Maximum Combined | S$190,000 |
How Grants Are Disbursed
CPF housing grants are not given as cash. They are:
- Credited to the CPF Ordinary Account (OA) of the eligible buyer(s)
- Used to offset the purchase price — reducing the amount you need to borrow or pay from your own CPF
- Cannot be withdrawn as cash at any point
Real Example — First-Timer Couple, S$580,000 Resale Flat
| Detail | Amount |
|---|---|
| Purchase price | S$580,000 |
| HDB valuation | S$560,000 (COV = S$20,000 cash) |
| EHG (income S$5,500/month) | -S$40,000 |
| Family Grant (4-room, SC/SC) | -S$80,000 |
| PHG (living within 4km of parents) | -S$20,000 |
| Net price after grants | S$440,000 |
| HDB loan (80% of S$560,000 valuation) | S$448,000 |
| Grants cover downpayment? | Yes — S$140,000 in grants > S$112,000 needed |
| Cash for COV | S$20,000 (mandatory cash) |
Grants for BTO Flat Buyers
For BTO (Build-To-Order) flats:
- EHG applies — up to S$80,000 based on income
- BTO flats are also priced with a built-in subsidy (substantially below market value)
- Family Grant and PHG are not available for BTO (they are resale-only)
- Singles applying for 2-room Flexi BTO can receive EHG of up to S$40,000
How to Apply for CPF Housing Grants
For BTO Flat Buyers
- During the HDB BTO flat selection exercise, declare your eligibility when you select your flat
- HDB automatically assesses and applies the EHG based on your declared income
- Grants are credited to your CPF OA after your flat is selected and income is verified
For Resale Flat Buyers
- After agreeing on the purchase price, register your intent to buy on the HDB Resale Portal
- Complete the resale application (buyer portion) on the portal — this includes the grant application
- Submit income documents for verification
- HDB processes and credits grants to your CPF OA as part of the resale completion
Income Assessment
HDB looks at the average gross monthly income over the 12 months before the flat application date. This includes fixed salary, variable pay (averaged over 12 months), CPF contributions, and overtime pay. Self-employed individuals must submit their latest NOA from IRAS.
Frequently Asked Questions
Can second-timers get CPF housing grants?
Second-timers have access only to the Proximity Housing Grant (PHG) when buying resale flats — S$30,000 if living with parents/children, S$20,000 if within 4km. EHG and Family Grant are for first-timers only.
Do the grants affect the loan amount I can borrow?
Grants reduce the effective purchase price. Since your loan is based on the purchase price (minus downpayment), grants reduce the loan you need — not the loan limit. Your TDSR and MSR limits still apply based on your income.
Can I use the grant money for anything other than the flat purchase?
No. Grant money credited to your CPF OA can only be used for the flat purchase — either for downpayment or to reduce the outstanding loan. It cannot be invested, withdrawn, or used for renovation.
What happens to my grants if I sell my flat within the MOP?
Grants must be refunded to CPF if you sell your flat within the Minimum Occupation Period (MOP) of 5 years. After MOP, grants are treated as normal CPF funds.
Is income from both spouses combined for EHG calculation?
Yes. For couples, HDB looks at the total household income from all applicants and occupiers. Both spouses' incomes are added together. If one earns above S$9,000 alone, the EHG may be reduced or zero depending on combined income.
Use our HDB loan calculator and affordability calculator to factor in your grants and see exactly what you can afford.
About this guide
Published by LoanCalculatorSingapore.com on . Rates and regulatory limits quoted here reflect publicly available information at the time of writing and change frequently — confirm current figures with the lender or the relevant Singapore authority before you act on them.
Official references: MAS, HDB, CPF Board, IRAS.
We are not a licensed financial adviser. This guide is general information, not personalised financial advice. See our full disclaimer.