To make it easier for first timers and others to own HDB flats, Singapore gives out very big housing grants. The CPF credits lower the price of your purchase or the amount of your loan.
These grants will still be used in 2026 as flat prices remain high and demand is still very strong. They help young people, couples, and families who are just starting the home journey—singles too.
Main Types of Housing Grants
The main grants are the Enhanced CPF Housing Grant (EHG) for new or resale flats, the CPF Housing Grant mainly for resale, and the Proximity Housing Grant (PHG) for living near family.
The majority move to your CPF Ordinary Account to cover the flat costs.
Enhanced CPF Housing Grant (EHG)
EHG is the biggest grant for the beginner-first-timers. It is organized by household income—lower income gets more up to $120,000 for families with a monthly income of $9,000 or less.
This can be utilized for BTO, Sale of Balance Flats, or resale.
CPF Housing Grant for Resale Flats
First-time families who buy resale can get up to $80,000 (more for smaller flats). Singles get half of that amount.
Combining with EHG, it gives even greater assistance.
Proximity Housing Grant (PHG)
A family that buys a resale flat to live with or close to parents/children can get $30,000 or $15,000 for singles.
This creates a living arrangement among multiple generations.
Eligibility Basics
The requirements are to be a Singapore citizen, to be a first-timer (no prior subsidy), to meet the income ceilings, and to form a family nucleus.
You can apply through the HDB Flat Eligibility (HFE) letter—it clearly shows your exact grants.
Maximum Grants for First-Timers
The top amounts (for families, combining grants where possible) are shown in the formula below:
| Grant Type | New Flats (BTO etc.) | Resale Flats |
|---|---|---|
| Enhanced CPF Housing Grant | Up to $120,000 | Up to $120,000 |
| CPF Housing Grant | Not applicable | Up to $80,000 |
| Proximity Housing Grant | Not applicable | Up to $30,000 |
| Total Possible | Up to $120,000 | Up to $230,000 |
Other Helpful Schemes
Seniors or those needing accessibility can look at enhanced lift grants. Young couples get options like deferred income checks.
Planning for 2026
With more BTO launches planned, check the upcoming sales. Grants remain the same, but always confirm the latest updates on the HDB site.
The 2026 grants will allow many people to finally own a house, with resale buyers able to get up to $230,000.
To find out your personal eligibility and grant amounts, apply today for the HFE letter on the HDB Flat Portal. Early start to home search!