Understanding CPF Housing Grants. Are you eligible?

Here’s a practical overview of the main Housing and Development Board HDB grants in Singapore, who qualifies, and the salary/income ceilings.

Main HDB Grants (2026)

1. Enhanced CPF Housing Grant (EHG)

This is the biggest and most important grant for most first-time buyers.

• Applies to:

  • BTO flats

  • Resale flats

• For:

  • First-time buyers

  • Families and singles

• Maximum grant:

  • Families: up to S$120,000

  • Singles: up to S$60,000 

2. Family Grant

Only for resale flats.

• Families can get:

  • Up to S$80,000 for 2- to 4-room resale flats

  • Up to S$50,000 for 5-room or bigger resale flats

3. Proximity Housing Grant (PHG)

Only for resale flats.

Given if you buy:

• near parents/children, or

• live together with them.

Grant amounts:

• Families:

  • S$20,000 (within 4km)

  • S$30,000 (same flat)

• Singles:

  • S$10,000 or S$15,000

1) Enhanced CPF Housing Grant (EHG)

Who is eligible?

Families

You must:

• Be a first-timer

• Be buying:

  • a BTO, or

  • resale flat

• Have at least one Singapore Citizen

• Form a valid family nucleus

• Work continuously for the last 12 months

• Still be employed when applying for HFE

• Not own private property recently

Salary / Income Ceiling

Families

Household income must be:

• S$9,000 or below monthly average gross income

If one applicant is second-timer

Then:

• Half household income must be ≤ S$4,500

• Equivalent total household income usually ≤ S$9,000

EHG Amount by Salary (Families)

Average Household Income	EHG Amount
≤ S$1,500	S$80,000
S$1,501 – 2,000	S$75,000
S$2,001 – 2,500	S$70,000
S$2,501 – 3,000	S$65,000
S$3,001 – 3,500	S$60,000
S$3,501 – 4,000	S$55,000
S$4,001 – 4,500	S$50,000
S$4,501 – 5,000	S$45,000
S$5,001 – 5,500	S$40,000
S$5,501 – 6,000	S$35,000
S$6,001 – 6,500	S$30,000
S$6,501 – 7,000	S$25,000
S$7,001 – 7,500	S$20,000
S$7,501 – 8,000	S$15,000
S$8,001 – 8,500	S$10,000
S$8,501 – 9,000	S$5,000

2) Family Grant (Resale Flats Only)

Eligibility

You must:

• Be first-time buyers

• Buy a resale flat

• Have household income ≤ S$14,000/month

• Include at least one Singapore Citizen

Grant Amounts

Resale Flat Size	Grant
2- to 4-room	S$80,000
5-room or larger	S$50,000

For SC + PR couples:

• usually half grant amount applies.

3) Proximity Housing Grant (PHG)

Eligibility

You must:

• Buy a resale flat

• Live:

  • within 4km of parents/children, or

  • together with them

• No income ceiling for PHG

Grant Amounts

Situation	Families	Singles
Within 4km	S$20,000	S$10,000
Same flat	S$30,000	S$15,000

Maximum Possible Grants

Example: First-time family buying resale flat

Possible stack:

• EHG: S$120,000

• Family Grant: S$80,000

• PHG: S$30,000

Potential total:

• Up to S$230,000 depending on eligibility and flat type.

Important Rules Many People Miss

Employment requirement

For EHG:

• Must work continuously for 12 months

• Must still be employed when applying for HFE

If unemployed during application:

• you may lose EHG eligibility.

Property ownership restriction

Usually:

• Cannot own private property

• Cannot have sold private property in last 30 months

Lease requirement

To get full grants:

• flat lease should cover youngest buyer until age 95

• otherwise grants may be prorated

HFE Letter

Almost everything now goes through the HFE process first.

Official pages:

• HDB HFE Portal

• Enhanced CPF Housing Grant Guide

• CPF Housing Grant Guide