Short answer: First-timer families buying a resale HDB flat can receive up to S$230,000 in CPF housing grants: up to S$120,000 Enhanced CPF Housing Grant (EHG), S$80,000 CPF Housing Grant and S$30,000 Proximity Housing Grant. First-timer BTO buyers can get only the EHG, up to S$120,000. Singles get about half. Income ceilings apply to most grants.
Updated 28 September 2026. Amounts and income ceilings are those in force on this date, including the changes that apply to HDB Flat Eligibility (HFE) letters applied for from 24 August 2026.
Which CPF housing grants are there in 2026?
| Grant | Who can get it | Flats | Amount | Income ceiling (monthly household) |
|---|---|---|---|---|
| Enhanced CPF Housing Grant (Families) | First-timer couples and families | New (BTO/SBF) and resale HDB flats | Up to S$120,000, tiered by income | S$9,000 |
| Enhanced CPF Housing Grant (Singles) | First-timer singles aged 35 and above | New and resale HDB flats | Up to S$60,000, tiered by income | S$4,500 |
| CPF Housing Grant (Families) | First-timer couples and families | Resale HDB flats only | S$80,000 (2- to 4-room), S$50,000 (5-room or larger) | S$16,000 (was S$14,000) |
| CPF Housing Grant (Singles) | First-timer singles aged 35 and above | Resale HDB flats only | S$40,000 (2- to 4-room), S$25,000 (5-room) | S$8,000 (was S$7,000) |
| Proximity Housing Grant (PHG) | Families and singles living with or near parents or children | Resale HDB flats only | Families: S$30,000 (live with), S$20,000 (within 4 km). Singles: S$15,000 (live with), S$10,000 (within 4 km) | None |
| Step-Up CPF Housing Grant | Second-timer families moving up from a 2-room flat or public rental flat | Eligible 2- or 3-room flats, new or resale | S$15,000 | S$8,000 |
Sources: HDB's MyNiceHome grants guide (updated 23 August 2026), CPF Board, and SupportGoWhere for the PHG and Step-Up Grant (updated 1 September 2026).
The grants are paid into your CPF Ordinary Account. You use them to reduce the price you pay or the housing loan you need. Amounts above are for Singapore Citizen households. Citizen/PR households receive less: for example, the resale CPF Housing Grant is S$70,000 (2- to 4-room) or S$40,000 (5-room or larger) for a citizen married to a PR (HDB). Your HFE letter shows the amounts you qualify for.
What changed on 24 August 2026?
At the National Day Rally 2026, the Government raised the income ceilings for the first time since 2019. For families who apply for an HFE letter from 24 August 2026, the ceiling rose from S$14,000 to S$16,000 to buy a new subsidised flat, to buy a resale flat with the CPF Housing Grant, or to take an HDB loan. For singles aged 35 and above, it rose from S$7,000 to S$8,000 (MND and HDB, August 2026).
Two things did not change:
- The EHG ceiling stays at S$9,000 for families and S$4,500 for singles. A couple earning S$15,000 can now buy a BTO flat but still gets no EHG (MyNiceHome).
- Grant amounts are the same. The EHG maximum has been S$120,000 (families) and S$60,000 (singles) since 20 August 2024 (HDB). The resale CPF Housing Grant has been S$80,000 / S$50,000 since February 2023 (MOF Budget 2023).
The same announcement gives first-timer families with or expecting children one extra ballot chance for each Singapore Citizen child aged 18 and below, from the February 2027 sales exercise (gov.sg). The next BTO exercise moved to November 2026; see our November 2026 BTO guide.
How much can you get for a BTO flat versus a resale flat?
| Buyer | BTO or SBF flat | Resale flat (maximum) |
|---|---|---|
| First-timer family | EHG only: up to S$120,000 | EHG S$120,000 + CPF Housing Grant S$80,000 + PHG S$30,000 = S$230,000 |
| First-timer single | EHG only: up to S$60,000 | EHG S$60,000 + CPF Housing Grant S$40,000 + PHG S$15,000 = S$115,000 |
The resale maximums assume the lowest EHG income tier, a 2- to 4-room flat, and living with parents or children. The totals match HDB's published maximums (MyNiceHome).
Worked example (our calculation): a first-timer citizen couple earns S$15,000 a month and buys a 4-room resale flat within 4 km of their parents.
| Grant | Amount |
|---|---|
| EHG (income above S$9,000) | S$0 |
| CPF Housing Grant (income within the new S$16,000 ceiling) | S$80,000 |
| PHG (live near, within 4 km) | S$20,000 |
| Total | S$100,000 |
Under the old S$14,000 ceiling, the same couple would have received only the S$20,000 PHG, because the PHG has no income ceiling (MOF Budget 2023, Table 1). Whether a particular couple qualifies depends on HDB's assessment in their HFE letter. To run your own numbers, use our HDB grant calculator.
Who qualifies for the Enhanced CPF Housing Grant?
The EHG is means-tested: the lower your average household income, the more you receive, up to S$120,000 for families and S$60,000 for singles. The main conditions (MyNiceHome; CPF Board):
- First-timer status. You have not received a housing subsidy before.
- Income. Average gross monthly household income of S$9,000 or less for families, S$4,500 or less for singles.
- Work. At least one applicant worked continuously for at least 12 months in the assessment period before the HFE letter application and is still working when applying.
- No private property. You must not own private residential property, or have sold one in the 30 months before applying.
- Age. 21 and above for families, 35 and above for singles.
A couple made up of one first-timer and one second-timer can get up to S$60,000 under the EHG (Singles), if half of the household income is S$4,500 or less. The EHG is pro-rated if the flat's remaining lease does not cover the youngest buyer to age 95, which in practice affects older resale flats. Resale buyers must also qualify for the resale CPF Housing Grant before they can get the EHG (HDB). The EHG does not apply to Executive Condominiums (Made For Families).
The EHG replaced the Additional CPF Housing Grant and the Special CPF Housing Grant in September 2019.
What is the Proximity Housing Grant?
The PHG helps resale buyers live with or close to their parents or children. Families get S$30,000 to live with them, or S$20,000 to buy a flat within 4 km. Singles get S$15,000 or S$10,000. For the "live near" grant, the parents or child can live in an HDB flat or a private home (SupportGoWhere). The PHG has no income ceiling. If you claim the "live with" grant, the parents or child must be listed on the application and live in the flat through the Minimum Occupation Period (CPF Board).
Can second-timers get a housing grant?
Yes, two grants are open to second-timers. The Proximity Housing Grant only requires that your household has not received the PHG before, so second-timers buying a resale flat can get it. The Step-Up CPF Housing Grant of S$15,000 is for families who have already had one housing subsidy and meet the following conditions (HDB):
- They live in a 2-room flat and are buying a 3-room flat, or they live in a public rental flat and are buying an eligible 2-room (Flexi) or 3-room flat. The flat can be new or resale. A 3-room Standard flat qualifies in any estate; an unclassified 3-room flat (the type sold before October 2024) must be in a non-mature estate.
- Their average household income is S$8,000 or less.
- They have not owned private property in the past 30 months.
The non-mature estates for unclassified flats are Bukit Batok, Bukit Panjang, Choa Chu Kang, Hougang, Jurong East, Jurong West, Punggol, Sembawang, Sengkang, Tengah, Woodlands and Yishun.
Are there grants for Executive Condominiums?
Yes, but not the EHG. First-timer families buying a new EC from the developer can get a separate CPF Housing Grant of up to S$30,000. For a citizen (SC/SC) household it is S$30,000 for household incomes up to S$10,000, S$20,000 for S$10,001 to S$11,000, and S$10,000 for S$11,001 to S$12,000. There is nothing above S$12,000. SC/SPR households and first-timer/second-timer couples get smaller amounts (HDB, updated 24 August 2026).
You can buy a new EC if your household earns up to S$16,000. For new units in ECs whose land sale tenders close on or after 24 August 2026, the limit is S$18,000 (MND and HDB). See our EC guide for the other EC rules.
FAQ
What is the maximum CPF housing grant in 2026?
S$230,000 for a first-timer family buying a 2- to 4-room resale flat to live with their parents, with income in the lowest EHG tier. For a BTO flat the maximum is S$120,000, from the EHG alone.
Did the EHG income ceiling rise to S$16,000?
No. The S$16,000 ceiling applies to buying a new flat, to the resale CPF Housing Grant and to HDB loans. The EHG ceiling is still S$9,000 for families and S$4,500 for singles.
Can I get the CPF Housing Grant for a BTO flat?
No. The CPF Housing Grant (Families or Singles) is for resale flats only. BTO buyers can get the EHG.
Can I use CPF housing grants to buy a private condo?
No. HDB grants are for HDB flats. The only exception is the separate CPF Housing Grant of up to S$30,000 for first-timer families buying a new EC from the developer.
How do I find out how much I will get?
Apply for an HDB Flat Eligibility (HFE) letter on the HDB Flat Portal. It states which grants you qualify for and how much.
For how much CPF you can then use on the rest of the price, see our CPF usage limits guide. For BTO application timing, see our BTO guide.
Sources
- MND and HDB, "Increase in Income Ceilings and Greater Support for Families with Children", August 2026: mnd.gov.sg
- gov.sg, National Day Rally 2026, "Strengthening Our Families": gov.sg
- HDB MyNiceHome, "CPF Housing Grants for HDB Flat Buyers", updated 23 August 2026: mynicehome.gov.sg
- CPF Board, "A guide to the Enhanced CPF Housing Grant and Proximity Grant": cpf.gov.sg
- MOF, Budget 2023 Annex E-1, "Increase to the CPF Housing Grant for First-Time Homebuyers Purchasing Resale HDB Flats": PDF
- SupportGoWhere, "Proximity Housing Grant (Families)": supportgowhere.life.gov.sg
- SupportGoWhere, "Step-Up CPF Housing Grant (Families)", updated 1 September 2026: supportgowhere.life.gov.sg
- Made For Families, "Housing Schemes and Grants": madeforfamilies.gov.sg
- HDB, "CPF Housing Grant for an Executive Condominium", updated 24 August 2026: hdb.gov.sg
- HDB, "Enhanced CPF Housing Grant for Families", updated 20 August 2026: hdb.gov.sg
This page explains the official grant rules and is not financial advice. HDB decides your grant eligibility and amount through your HFE letter. The worked example is an SG Properties calculation using the official figures above.
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