KEY HIGHLIGHTS
- Singapore homebuyers in 2026 can receive CPF housing grants worth up to S$230,000 when purchasing eligible HDB resale flats.
- The Enhanced CPF Housing Grant, Family Grant and Proximity Housing Grant provide major support depending on income, family status and housing choice.
- Buyers should check eligibility early and apply during their HDB purchase process to avoid missing available subsidies.
Housing prices remain a major concern for many Singaporeans. In 2026, CPF housing grants continue to help eligible buyers reduce the cost of purchasing an HDB flat.
These grants can significantly lower the amount needed for a housing loan.
| Grant Type | Maximum Amount | Key Eligibility |
|---|---|---|
| Enhanced CPF Housing Grant (EHG) | Up to S$120,000 | First-time buyers, income ≤ S$9,000 |
| Family Grant | Up to S$80,000 | Married/engaged couples buying resale flats |
| Proximity Housing Grant (PHG) | Up to S$30,000 | Buying near or with parents/children |
| Maximum Combined Support | Up to S$230,000 | If all grant conditions are met |
Enhanced CPF Housing Grant (EHG)
The Enhanced CPF Housing Grant supports first-time buyers purchasing either a Build-To-Order (BTO) flat or a resale HDB flat.
Eligible households can receive up to S$120,000, depending on their average monthly household income. Lower-income households receive larger grants under the tiered structure.
Key eligibility conditions
- Applicants must be first-time HDB buyers
- Monthly household income must not exceed S$9,000
- At least one applicant must have worked continuously for 12 months
- The chosen flat must have a sufficient remaining lease (usually 20 years or more)
Example
A couple with a combined income of S$3,500 may receive around S$90,000 in EHG.
The grant is credited directly into their CPF account and used to offset the flat purchase price.
Family Grant for Resale HDB Flats
The Family Grant helps couples and families buying a resale HDB flat.
This grant is widely used by young households who prefer resale flats due to location or waiting time considerations.
Maximum grant amounts
- Up to S$80,000 for a 2- to 4-room resale flat
- Up to S$50,000 for a 5-room or larger resale flat
Eligibility requirements
- Applicants must form a family nucleus (married or engaged couples)
- At least one applicant must be a Singapore citizen
- Monthly household income must not exceed S$14,000
Example
A married couple buying a 4-room resale flat could qualify for the full S$80,000 Family Grant, provided their income remains within the threshold.
Proximity Housing Grant (PHG)
The Proximity Housing Grant encourages families to live closer together for support and caregiving.
It applies only to resale HDB flat purchases.
Grant amounts
- S$30,000 if buyers live with parents or children
- S$20,000 if they live within 4 km of them
Unlike many housing grants, the PHG has no income ceiling. However, it can be received only once in a lifetime.
Example
A couple purchasing a resale flat within the same neighbourhood as their parents may receive S$20,000 PHG in addition to other grants.
How Much Total Support Can Buyers Receive?
CPF housing grants can be combined, provided buyers meet all eligibility conditions.
A typical grant combination may include:
- Enhanced CPF Housing Grant (EHG): up to S$120,000
- Family Grant: up to S$80,000
- Proximity Housing Grant (PHG): up to S$30,000
This means the maximum possible support reaches S$230,000 for eligible resale flat buyers.
Example Grant Scenario
A couple buying a resale flat could receive:
- EHG: S$80,000
- Family Grant: S$80,000
- PHG (living near parents): S$20,000
Total grants: S$180,000
This reduces the mortgage required and lowers monthly repayments.
Why This Matters
Housing affordability remains a key issue in Singapore. CPF housing grants are designed to ensure first-time buyers are not priced out of the market, particularly young couples forming new households.
For resale flats, combining multiple grants can cover a large portion of the flat price, especially for smaller units.
Buyers who understand the grant structure early can plan:
- Flat type and budget
- Location near family
- Loan size and monthly repayments
Missing eligibility conditions or failing to plan ahead may mean losing access to significant subsidies.
[Link to Official Source – Apply Here]
Frequently Asked Questions
Can first-time buyers receive more than one housing grant?
Yes. Eligible buyers may combine EHG, Family Grant, and PHG, provided they meet the criteria for each scheme.
Are CPF housing grants paid in cash?
No. Grants are credited into the buyer’s CPF Ordinary Account and used to offset the flat purchase price.
Do BTO buyers qualify for the Family Grant?
No. The Family Grant applies only to resale HDB flats.
Is there an income ceiling for the Proximity Housing Grant?
No. The PHG has no income limit, but it can only be received once in a lifetime.
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