With updated amounts and rules since August 2024, families now have access to higher support when buying new or resale HDB flats.
Over 80% of Singapore households live in HDB flats. These grants reduce upfront costs, monthly repayments and overall financial burden. In this guide, you will find a clear breakdown of the main grants, updated values, eligibility criteria, and the steps to check your situation.
🔑 Main Types of Grants
| Grant | Target Group | Max Amount (2025) | Notes |
|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) | First-timer families | Up to S$120,000 | Based on gross household income |
| EHG (Singles tier) | Mixed 1st + 2nd-timer households | Up to S$60,000 | Assessed at half-income ceiling |
| CPF Housing Grant (Resale) | Families buying resale flats | Up to S$50,000 | Must qualify before EHG for resale |
| Proximity Housing Grant (PHG) | Families living with/near parents | Up to S$30,000 | Live-with: S$30k; within 4 km: S$20k |
| Step-Up CPF Housing Grant | Upgrading 2- to 3-room+ flats | Up to S$15,000 | For gradual upgrades |
👨👩👧 Who Can Qualify
- Citizenship: At least one applicant must be a Singapore Citizen. SC + PR couples may qualify under certain schemes.
- Income ceilings:
– Families: gross monthly household income ≤ S$9,000.
– Mixed 1st + 2nd timers: half-income ceiling ≤ S$4,500. - Employment: At least one main applicant must have worked continuously for 12 months before applying for the HFE Letter.
- Property ownership: No ownership of private residential property in the last 30 months.
- Lease rules: The chosen flat must have enough remaining lease to cover the youngest buyer up to age 95 for full grant; otherwise, grant is pro-rated.
📊 How EHG Is Calculated
The lower your household income, the higher the EHG you may receive.
| Gross Household Income | Approx. EHG Support |
|---|---|
| ≤ S$1,500 | Up to S$120,000 |
| S$4,000 | Around S$60,000–80,000 |
| S$7,000–9,000 | Around S$10,000–30,000 |
(Values indicative; check official calculator for exact amount)
📑 Documents Required
- NRICs of all applicants and occupiers.
- Proof of income: payslips or IRAS NOA for past 12 months.
- CPF contribution history.
- Marriage or engagement documents, if applicable.
- Proof of parents’ address for PHG applications.
📅 Step-by-Step Process
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Apply for HFE Letter – confirms your financing eligibility and potential grant amounts.
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Assess your flat choice – decide between BTO (new) or resale.
-
Submit grant application – together with flat application.
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Provide required documents – income, identity, CPF, family status.
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Grant disbursement – credited into CPF Ordinary Account and applied toward flat purchase or loan.
💡 Practical Tips
- Use the HDB’s official calculators before you apply — this avoids surprises.
- If possible, consider living near parents to unlock the PHG (up to S$30k).
- For upgrading from smaller flats, the Step-Up Grant makes a difference.
- Plan not only for the grant, but also for long-term mortgage affordability.
- Always align your choice of flat with both eligibility and household needs.