Singapore HDB Housing Grant Eligibility Calculator 2026 — EHG S$120,000 Enhanced CPF Housing Grant, CPF Housing Grant, Proximity Grant & Step-Up Grant for Singapore Citizens & PRs Buying BTO or Resale HDB Flat

First-timer Singapore HDB buyers in 2026 can access up to four grants: (1) Enhanced CPF Housing Grant (EHG) — up to S$120,000 for couples, S$60,000 for singles, for BTO and resale flats, income-based; (2) CPF Housing Grant (CHG / Family Grant) — up to S$50,000 for couples, S$25,000 for singles, resale only; (3) Proximity Housing Grant (PHG) — up to S$30,000 for couples, S$15,000 for singles, resale only, for buying near parents; (4) Step-Up CPF Housing Grant (second-timers only) — S$15,000 for 3-room resale flats. All grants are credited to CPF OA and reduce the purchase price.

The EHG is the flagship Singapore government housing grant, providing up to S$120,000 for first-timer families (couples) and S$60,000 for first-timer singles buying any HDB flat (BTO or resale). The EHG amount is tiered by household income — lower income households receive higher grants. The income ceiling is S$9,000/month for families and S$4,500 for singles (average gross monthly household income over the past 12 months). The EHG was enhanced in 2024 under PM Lawrence Wong’s housing reforms; previous maximum was S$80,000.

The income ceiling for the EHG is S$9,000 per month for families/couples (average gross monthly household income of all applicants over the past 12 months, including CPF contributions). For singles buying under the Singles Scheme, the ceiling is S$4,500 per month. Gross income includes CPF contributions, commissions, allowances, and bonuses (averaged). If your income exceeds the ceiling, you are not eligible for the EHG but may still be eligible for the CPF Housing Grant (ceiling S$14,000 for families) and Proximity Housing Grant (no income ceiling).

The CPF Housing Grant (also called Family Grant or CHG) is available to first-timer couples and singles buying a resale HDB flat (not BTO). The amount depends on flat size: S$50,000 for 4-room and below; S$40,000 for 5-room and executive flats (for couples). Singles buying 4-room and below get S$25,000; 5-room and executive: S$20,000. The income ceiling is S$14,000/month for families and S$7,000 for singles. At least one applicant must be a Singapore Citizen. This grant stacks with the EHG for resale buyers.

The PHG is S$30,000 for first-timer families and S$15,000 for singles who buy a resale HDB flat to live with or next to (within the same block or next block as) their parents or child. If buying within 4km of parents or child, the PHG is S$20,000 (families) or S$10,000 (singles). There is no income ceiling for the PHG. At least one occupier of the flat must be a Singapore Citizen. The PHG applies only to resale flats and only to first-timer buyers.

Yes. Singapore Citizens aged 35 and above can buy a new 2-room Flexi BTO flat (in non-mature estates) or resale HDB flats (2-room to 5-room) under the Singles Scheme. Eligible singles can receive the EHG (up to S$60,000), CPF Housing Grant for singles (up to S$25,000 for 4-room and below resale), and Proximity Housing Grant for singles (up to S$15,000). The income ceilings are half of the couple amounts. Two singles can also apply jointly under the Joint Singles Scheme, which allows buying a resale flat together with combined eligibility checks.

Second-timers (those who have previously purchased an HDB flat or received a housing subsidy) have very limited grant access. The main grant available is the Step-Up CPF Housing Grant of S$15,000 — applicable only to second-timers who currently live in a 2-room flexi flat (owned or rented) and are buying a 3-room resale flat. Second-timers generally do not qualify for the EHG, CPF Housing Grant, or Proximity Housing Grant. If one partner is a first-timer and one is a second-timer, partial first-timer benefits may apply under certain conditions at HDB’s discretion.

BTO flats: only the EHG is applicable (up to S$120,000 for couples, S$60,000 for singles). Resale HDB flats: multiple grants can be stacked — EHG + CPF Housing Grant (CHG) + Proximity Housing Grant (PHG), for a potential total of up to S$200,000 for couples. The CPF Housing Grant and PHG are only for resale flats. This is a key consideration when deciding between BTO and resale — if your circumstances allow for proximity grant and CHG, a resale flat can actually result in a significantly larger total grant package.

Not necessarily. For the EHG, at least one applicant must be a Singapore Citizen. For the CPF Housing Grant (CHG), at least one occupier must be a Singapore Citizen. If one partner is an SC and one is an SPR, most grants are still accessible, but the maximum amounts may differ slightly. If both applicants are SPRs only, eligibility is significantly more limited — both must have SPR status for at least 3 years before applying. Two PRs buying together cannot access the EHG or CPF Housing Grant in most cases.

Yes — for resale HDB flats, eligible first-timer buyers can stack all applicable grants simultaneously: EHG + CPF Housing Grant + Proximity Housing Grant. For example, a first-timer couple with S$5,000 household income buying a 4-room resale flat near their parents could receive: EHG S$85,000 + CHG S$50,000 + PHG S$30,000 = S$165,000 in total grants. For BTO, only the EHG applies. All grants are applied to the CPF OA and used in a specified order to offset the purchase price.

The income ceiling is based on the average gross monthly household income over the past 12 months for all persons listed in the flat application. Gross income includes base salary plus CPF contributions (both employee and employer contributions are included), allowances, commissions, and bonuses (averaged monthly). If you have been working for less than 12 months, the computation is based on actual months worked. For self-employed persons, the income is based on the Notice of Assessment from IRAS. Unemployed applicants contribute S$0 to the household income for grant calculation.

A first-timer is a Singapore Citizen or PR who has never owned or co-owned an HDB flat and has not previously received a housing subsidy. A second-timer is someone who has previously purchased an HDB flat, received a housing subsidy (e.g., a grant), or currently owns or has sold an HDB flat. First-timer status is valuable — it grants access to priority BTO ballot chances, all major grants, and certain resale concessions. Once you purchase an HDB flat as a first-timer and sell it, you become a second-timer for any subsequent purchase.

All HDB housing grants in Singapore (EHG, CHG, PHG, Step-Up Grant) are credited to your CPF Ordinary Account (OA). They are not cash disbursements. The grant funds in your CPF OA are then used to partially or fully offset the HDB purchase price, reducing the amount you need to pay from cash or additional CPF. This means you cannot use the grant for non-housing purposes. However, when you sell your flat, the grant amount (plus accrued CPF interest at 2.5% p.a.) must be returned to your CPF OA, not your bank account.

The grant reduces the purchase price of your HDB flat, which in turn reduces the loan amount required or the CPF OA funds needed for the down payment. For example, if a 4-room resale flat costs S$450,000 and you receive total grants of S$155,000, your effective purchase price (after grants) is S$295,000. This means your 5% minimum cash down payment is calculated on S$295,000, and your HDB loan (up to 80% LTV) is based on S$295,000 — significantly lower than without grants. Grant funds in CPF OA are used before your own CPF savings.

Selling your HDB flat before the Minimum Occupation Period (MOP) — which is 5 years for standard flats (10 years for Prime Location Public Housing, PLH) — is generally not allowed. If HDB approves an exceptional sale during the MOP, the grant amount is typically recovered by HDB and does not remain yours. After fulfilling the MOP and selling your flat, the grant amount plus accrued CPF interest (2.5% p.a.) must be refunded to your CPF OA. The refund goes back to CPF, not to HDB — it remains your retirement savings in CPF.

As of June 2026, the main grants are those under the enhanced 2024 housing package: EHG up to S$120,000 (couples) / S$60,000 (singles), CPF Housing Grant, Proximity Grant, and Step-Up Grant. The government continues to review housing affordability measures annually. Check the latest announcements at HDB’s official website (hdb.gov.sg), MyHDBPage, and the Monetary Authority of Singapore website. HDB’s housing subsidies are regularly updated; always verify with HDB directly before making purchase decisions as grant amounts and eligibility criteria can change.