Your 2026 HDB CPF Grant Calculator and Eligibility Criteria Guide

TL;DR / Key Summary:

– Family Grant and Singles Grant can help reduce the cost of buying an HDB resale flat, with up to $80,000 for families and $40,000 for singles.
– The EHG offers additional support on top of other eligible grants, with up to $120,000 for families and $80,000 for eligible singles buying together.
– If you plan to live with or near your parents or child, the PHG can give you up to $30,000 for families or $15,000 for singles.
– Because each grant has different rules, it is important to check your eligibility conditions and grant combinations before estimating how much support you may receive.

Your Housing and Development Board (HDB) Central Provident Fund (CPF) grant amount depends on the type of resale flat grant you qualify for and whether you meet the eligibility criteria.

For many HDB resale flat buyers, these grants can make a big difference by reducing the cash needed upfront, lowering loan amounts, and making homeownership feel more achievable. But with so many CPF housing grants available for resale flats, it may be difficult to find which one you’re eligible for — and more importantly, how much you can get.

To help you make sense of it all, this guide breaks down the available HDB resale grants, the eligibility criteria for each, and the grant amounts you may qualify for.

Table of Contents:

• 1. CPF Housing Grant (Families) or Family Grant
• 2. Half-Housing Grant
• 3. CPF Housing Grant (Singles) or Singles Grant
• 4. Enhanced CPF Housing Grant (Family)
• 5. Enhanced CPF Housing Grant (Singles)
• 6. Proximity Housing Grant (Family)
• 7. Proximity Housing Grant (Singles)
• Need Help With Selling Your HDB Resale Flat Before Proceeding to Buy?
• Ready to Buy a New Home But Don’t Know Where to Find It?
• Frequently Asked Questions About HDB Grants

1. CPF Housing Grant (Families) or Family Grant

The CPF Housing Grant for Families, also known as the Family Grant, supports eligible first-timer households buying an HDB resale flat by helping reduce upfront costs and overall financing needs.

Eligibility Conditions:

Eligible For

1st Timer Couple or Family

Income Ceiling

– $14,000 (for couples)– $21,000 (with family members, such as parents)

Citizenship

– 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR)

Age

At least 21 y.o.

HDB Remaining Lease

More than 20 years

Private Property Ownership

– Must not own private property in Singapore or overseas– Haven’t sold private property 30 months prior to the flat application

Grant Amount for 1st-time Households

Under the current HDB grant framework, first-timer families may receive higher CPF Housing Grant amounts than before, with up to $80,000 for a 4-room resale flat or smaller and up to $50,000 for a 5-room or larger resale flat, depending on eligibility.

Household Structure

Buying 2- to 4-room Resale Flat

Buying 5-room or larger resale flats

SC-SC

$80,000

$50,000

SC-PR

$70,000

$40,000

Take note that if you’re an SC-PR couple, you’ll get $10,000 less for the grant amount. But you will be able to get it once the PR becomes a citizen, or if you have a child.

2. Half-Housing Grant

As the name suggests, the Half-Housing Grant is meant for eligible couples where one party is a first-timer and the other is a second-timer, with the grant amount set at half the Family Grant.

Eligibility Conditions:

Eligible For

1st Timer SC Applicant with 2nd Timer Fiance/Spouse

Income Ceiling

– $14,000 (for couples)– $21,000 (with family members, such as parents)

Citizenship

1 Singapore Citizen The other buyer can be an SC or Permanent Resident (PR)

Age

At least 21 y.o.

HDB Remaining Lease

More than 20 years

Private Property Ownership

– Must not own private property in Singapore or overseas– Haven’t sold private property 30 months prior to the flat application

Flat Type

2-room flat or bigger

Grant Amount for 2nd-timer Couples

Household Structure

Buying 2- to 4-room Resale Flat

Buying 5-room or Larger Resale Flats

SC-SC

$40,000

$25,000

3. CPF Housing Grant (Singles) or Singles Grant

Buying a resale flat as a single does not mean doing it without support, as this grant can help ease part of the purchase cost.

Eligibility Conditions:

Eligible For

– >35 y.o. 1st timer buying as a single– >35 y.o. 1st timer buying with other singles– >35 y.o. 1st timer buying with parents– 21 y.o. (or older) 1st timer buying with non-resident spouse

Income Ceiling

– $7,000 (as a single)– $14,000 (with family members or other singles)

Citizenship

Singapore Citizen

HDB Remaining Lease

More than 20 years

Private Property Ownership

– Must not own private property in Singapore or overseas– Haven’t sold private property 30 months prior to the flat application

Grant Amount

Household Structure

Buying 2- to 4-room Resale Flat

Buying 5-room or Larger Resale Flats

Single SC or SC-non resident

$40,000

$25,000

Single-Single

$50,000

$40,000

The grants are credited directly into your CPF Ordinary Account as a form of CPF top-up

4. Enhanced CPF Housing Grant (Family)

Unlike some grants that depend mainly on household type, the Enhanced CPF Housing Grant also takes income into account, which can make it especially useful for lower- to middle-income buyers.

Eligibility Conditions:

Eligible For

– 1st timer couple or family– 1st time SC buyer with a fiance/spouse who has previously gotten a housing grant subsidy

Employment

– At least 1 applicant must be employed at the time of the HDB application– Must also have worked continuously for at least 12 months before the application

Income Ceiling

– 1st timer household: $9,000– 1st timer & 2nd timer couple: $4,500

HDB Remaining Lease

– More than 20 years– Must cover the youngest buyer up to 95 y.o. to qualify for the full EHG amount. Otherwise, it will be pro-rated.

Private Property Ownership

– Must not own private property in Singapore or overseas– Must not have sold private property within 30 months before the flat application

EHG Amount

Up to $120,000

The EHG amount you will receive will be based on the average gross monthly income that you and your fiancé/spouse have received for all of the months within the 12-month period before the application. Both incomes will be assessed.

5. Enhanced CPF Housing Grant (Singles)

If you are buying an HDB flat as a first-timer single, the Enhanced CPF Housing Grant can provide added support based on your income, employment history, and household arrangement.

Eligibility Conditions:

Eligible For

– >35 y.o. 1st timer buying as a single– >35 y.o. 1st timer buying with other singles– >35 y.o. 1st timer buying with parents– 21 y.o. (or older) 1st timer buying with non-resident spouse

Income Ceiling

– $4,500 for a single buying alone– $9,000 for two or more singles buying together – $9,000 if you are buying with a non-resident spouse, as long as half of the average gross monthly household income is $4,500 or below.

Citizenship

– At least 1 buyer must be a Singapore Citizen– For a single buying alone, the buyer must be a Singapore Citizen– For a single buying with a non-resident spouse, the applicant must be a Singapore Citizen

HDB Remaining Lease

– More than 20 years– To qualify for the full EHG amount, the lease must cover the youngest buyer up to age 95. Otherwise, the grant amount will be pro-rated

Private Property Ownership

– Must not own private property in Singapore or overseas– Must not have sold private property within 30 months before the flat application

EHG Grant Amount (Singles)

Household Structure

Maximum EHG Amount

Single SC buying Alone

Up to $40,000

Single SC buying with a Non-resident Spouse

Up to $40,000

Single Child Aged 35 or Above Buying with Parents

Up to $40,000

Two or More Singles Buying Together

Up to $80,000

If approved, the grant amount will be credited directly into your CPF Ordinary Account.

6. Proximity Housing Grant (Family)

If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:

• $30,000 to live with your parents/child
• $20,000 to live near your parents/child (within 4km)

Eligibility Conditions:

Eligible For

Couples or families who have not taken the Proximity Housing Grant (PHG) before

Income Ceiling

No income ceiling

Citizenship

– 1 Singapore Citizen– The other buyer can be an SC or Permanent Resident (PR)

Age

At least 21 years old

HDB Remaining Lease

More than 20 years

Conditions for Buyers Living With Their Parents or Within 4km of Their Parents’ Property

This also applies to older couples looking to stay with their married children.

Criteria

Parents/Married Child

Single Child

Age

N.A.

35 years old and above

Citizenship

Singapore Citizen or Permanent Resident

Singapore Citizen or Permanent Resident

Proximity Conditions:

• Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).

Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e., child or adopted child, parent(s) or parent(s) in-law, or siblings

7. Proximity Housing Grant (Singles)

If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:

• $15,000 to live with your parents/child
• $10,000 to live near your parents/child (within 4km)

Eligibility Conditions:

Eligible For

First-timer single Singapore Citizens buying a resale flat to live with or near their parents or child

Grant Amount

– $15,000 to live with your parents or child– $10,000 to live near your parents or child within 4 km

Income Ceiling

No income ceiling

Citizenship

Singapore Citizen

Age

– At least 35 years old if buying as a single, with other singles, or with parents– At least 21 years old if buying with a non-resident spouse

HDB Remaining Lease

More than 20 years

Also, take note: Parents buying their child’s flat will not be eligible for the PHG.

Conditions for Buyers Living With Their Parents or Within 4km of Their Parents’ Property

This also applies to older couples looking to stay with their married children.

Criteria

Parents/Married Child

Single Child

Age

N.A.

35 years old and above

Citizenship

Singapore Citizen or Permanent Resident

Singapore Citizen or Permanent Resident

Proximity Conditions:

• Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).
• Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e., child or adopted child, parent(s) or parent(s) in-law, or siblings.

But knowing the CPF housing grant you’re eligible for may not be enough for you to successfully purchase the flat you’re interested in.

Need Help With Selling Your HDB Resale Flat Before Proceeding to Buy?

Speak to any of our Super Agents today and get professional advice on the best time and price tosell your home. Simply drop us a message on WhatsAppand we’ll match you with a property agent specialising in your area.

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Frequently Asked Questions About HDB Grants

1. Who can be considered a first-timer applicant?

You’re considered a first-timer if you’ve never received any housing subsidy from HDB before. This includes subsidies from purchasing a BTO flat, receiving a CPF housing grant, or buying a resale flat with grant assistance. Your first-timer status affects your eligibility for most HDB grants.

2. How do I apply for the EHG?

If eligible, you may apply for the Enhanced CPF Housing Grant by completing the EHG application form included in your HDB invitation letter. Submit this during your flat booking appointment.

3. How is the grant released to me?

The CPF housing grant is credited directly into your CPF Ordinary Account, not disbursed as cash. Only Singapore Citizen applicants are eligible to receive the grant. Once credited, you can use it immediately to offset your flat purchase, including for payment of the purchase price or housing loan.

4. What is the usage of CPF housing grants?

CPF housing grants can be used to offset the purchase price of your HDB resale flat. The grant reduces the amount you need to pay upfront or finance through a loan. I

5. Do you need to pay back an HDB grant?

No, you don’t need to repay HDB grants. The grant is credited to your CPF Ordinary Account and used to offset your flat’s purchase price. It’s not a loan. However, if you sell your flat, the grant plus accrued interest must be refunded to your CPF account.

6. Can HDB grants be used for down payment?

Yes, CPF housing grants can be used toward your down payment. You can pay using cash, CPF Ordinary Account savings, or a mix of both, and the grant amount in your CPF OA counts toward this. It helps reduce what you need to pay out of pocket upfront.

7. How to check eligibility for HDB grants?

You can check your HDB grant eligibility by applying for a Flat Eligibility (HFE) letter through the HDB Flat Portal. The HFE letter confirms whether you’re eligible to buy a flat, which grants you qualify for, and how much HDB loan you can take. It’s the first step before booking a resale flat.

Disclaimer: The information in this article is accurate at the time of publication. However, policies, grant amounts, and eligibility criteria may change without prior notice. Ohmyhome does not guarantee the continued accuracy of this content and is not liable for any decisions made based on the information provided. For the latest details, please refer to official HDB sources.