Enhanced CPF Housing Grant
The EHG is for first-timers, for a new flat or a resale one, and the less your household earns, the more it is. From 20 August 2024 it’s up to S$120,000 for families and S$60,000 for singles. Someone in the household must have worked 12 months straight and still be working, and it goes by the average gross monthly income over those 12 months.
Families, and two singles together
| Household income a month | EHG |
|---|
| S$1,500 or less | S$120,000 |
| S$1,501 to S$2,000 | S$110,000 |
| S$2,001 to S$2,500 | S$105,000 |
| S$2,501 to S$3,000 | S$95,000 |
| S$3,001 to S$3,500 | S$90,000 |
| S$3,501 to S$4,000 | S$80,000 |
| S$4,001 to S$4,500 | S$70,000 |
| S$4,501 to S$5,000 | S$65,000 |
| S$5,001 to S$5,500 | S$55,000 |
| S$5,501 to S$6,000 | S$50,000 |
| S$6,001 to S$6,500 | S$40,000 |
| S$6,501 to S$7,000 | S$30,000 |
| S$7,001 to S$7,500 | S$25,000 |
| S$7,501 to S$8,000 | S$20,000 |
| S$8,001 to S$8,500 | S$10,000 |
| S$8,501 to S$9,000 | S$5,000 |
Singles, and first-timer + second-timer couples
| Income a month | EHG |
|---|
| S$750 or less | S$60,000 |
| S$751 to S$1,000 | S$55,000 |
| S$1,001 to S$1,250 | S$52,500 |
| S$1,251 to S$1,500 | S$47,500 |
| S$1,501 to S$1,750 | S$45,000 |
| S$1,751 to S$2,000 | S$40,000 |
| S$2,001 to S$2,250 | S$35,000 |
| S$2,251 to S$2,500 | S$32,500 |
| S$2,501 to S$2,750 | S$27,500 |
| S$2,751 to S$3,000 | S$25,000 |
| S$3,001 to S$3,250 | S$20,000 |
| S$3,251 to S$3,500 | S$15,000 |
| S$3,501 to S$3,750 | S$12,500 |
| S$3,751 to S$4,000 | S$10,000 |
| S$4,001 to S$4,250 | S$5,000 |
| S$4,251 to S$4,500 | S$2,500 |
- Singles go by their own income; a single buying with their parents by their own income too (the household’s up to S$9,000).
- A first-timer and second-timer couple, or a single with a non-resident spouse, go by half the household’s income, on the singles’ table.
- Two first-timer singles buying together go by their household income, on the families’ table.
- For a resale flat, you need the CPF Housing Grant (below) first. And a flat whose lease doesn’t last the youngest buyer to 95 gets less: check the lease left.
The other grants
CPF Housing Grant, for resale flats
| First-timers | 2- to 4-room | 5-room or bigger |
|---|
| Family Grant: two citizens | S$80,000 | S$50,000 |
| Family Grant: a citizen and a PR | S$70,000 | S$40,000 |
| Family Grant: a first-timer with a second-timer | S$40,000 | S$25,000 |
| Singles Grant, each (up to 2 singles) | S$40,000 | S$25,000 |
Household income up to S$16,000 a month for families (S$24,000 with extended family), and for singles S$8,000 buying alone or S$16,000 with parents or another single. For a flat bought on the open market only: a new flat is sold at a subsidised price instead.
Proximity Housing Grant, for resale flats
| Live with parents or child | Within 4 km |
|---|
| Families | S$30,000 | S$20,000 |
| Singles | S$15,000 | S$10,000 |
For first-timers and second-timers alike, with no income ceiling, once only. Singles living near their parents get it on a 2- to 5-room flat.
Step-Up CPF Housing Grant
S$15,000 for a second-timer married couple or family moving up from a 2-room Standard flat, a 2-room flat in a non-mature estate or a public rental flat, to a 2-room Flexi or 3-room Standard flat (or one in a non-mature estate), new or resale. Household income up to S$8,000 a month.
Every amount and condition checked on hdb.gov.sg on 2 Nov 2026: EHG (Families) and its amounts, EHG (Singles) and its amounts, CPF Housing Grant (Families), CPF Housing Grant (Singles), Proximity Housing Grant for families and singles, the Step-Up grant, and who can buy what as a couple or family or single. A guide: your HDB Flat Eligibility letter is what counts.
Questions
How much grant can a couple get for a resale flat?
Up to S$230,000: a first-timer couple of two citizens can get the Family Grant of S$80,000 for a 2- to 4-room resale flat, the EHG of up to S$120,000 by income, and the Proximity Housing Grant of S$30,000 for living with their parents. Earning S$7,000 a month and buying a 4-room flat near their parents, that’s S$80,000 + S$30,000 + S$20,000 = S$130,000.
How much grant can I get for a BTO flat?
Only the EHG: up to S$120,000 for a first-timer family, or S$60,000 for a single, by income. The Family, Singles and Proximity grants are for resale flats, because a new flat is already sold at a subsidised price.
Can singles get HDB grants?
Yes, first-timer citizens of 35 or older. For a resale flat, the Singles Grant (S$40,000 for 2- to 4-room, S$25,000 for 5-room), the EHG (Singles) of up to S$60,000 on an income of S$4,500 or less, and the Proximity Housing Grant of up to S$15,000. For a 2-room Flexi from HDB, the EHG (Singles).
What if one of us has had a housing subsidy before?
A first-timer with a second-timer gets half: the Family Grant of S$40,000 (S$25,000 for 5-room or bigger) for a resale flat, and the EHG (Singles) on half your household income, up to S$60,000. The Proximity Housing Grant is in full.
Can a PR couple get HDB grants?
Not two PRs: they can buy a resale flat once each has been a PR for 3 years, but with no grants. A citizen with a PR gets the Family Grant at S$70,000 (S$40,000 for 5-room or bigger) and the EHG, and S$10,000 more once the PR becomes a citizen or they have a citizen child.
Do I have to pay the grants back?
Not to HDB, but they’re paid into your CPF Ordinary Accounts to go into the flat, so when you sell it, the grant goes back into your CPF account with the interest it would have earned, along with the rest of the CPF you used.
Is my income sent anywhere?
No. It’s all worked out in your browser, and nothing you type or pick goes into the page’s address.