What is the HDB Family Grant?

Key takeaways

• The Family Grant is the CPF Housing Grant for families buying an HDB resale flat. HDB makes it available to couples, families or orphaned siblings who are first-timer applicants, and to first-timer Singapore Citizen and Permanent Resident applicants or occupiers whose fiancé/fiancée, spouse or sibling has previously taken a housing subsidy. The applicant must be a Singapore Citizen aged at least 21 and include at least one other Singapore Citizen or Permanent Resident; at least one core member must be a first-timer, and first-timer core applicants or occupiers must not have taken any housing subsidy before.
• For first-timer households buying a 2- to 4-room resale flat, the grant is SGD 80,000 for two Singapore Citizens and SGD 70,000 for a citizen with a Permanent Resident; for 5-room or bigger it is SGD 50,000 and SGD 40,000. A first-timer and second-timer couple receives SGD 40,000 or SGD 25,000. HDB’s 19 August 2024 release raised the Enhanced CPF Housing Grant but left the CPF Housing Grant for first-timer families at SGD 80,000 and SGD 50,000, last increased in February 2023.
• Average gross monthly household income must not exceed SGD 16,000, or SGD 24,000 when buying with an extended or multi-generation family. HDB raised it from SGD 14,000 to SGD 16,000 for HFE letter applications from 24 August 2026; Annex A of its release sets the extended-family ceiling at 1.5 times the typical one, with each family nucleus’s income not exceeding SGD 16,000. HFE letter applications submitted before 24 August 2026 and still being processed are assessed under the previous ceiling, unless the household cancels and submits a new application. There is no income ceiling for buying a resale unclassified or Standard flat without the CPF Housing Grant.
• The flat must be 2-room or bigger with a remaining lease of more than 20 years. No applicant or occupier in the HFE letter application may own or have an interest in local or overseas private residential property, or have disposed of one in the 30 months before the HFE letter application, counted from the legal completion date; as a household they may own or have an interest in up to 1 non-residential property at the HFE letter application when buying a resale unclassified or Standard flat with CPF housing grants. A buyer purchasing their child’s flat is not eligible for housing grants, and first-timers with non-resident family members may apply for the CPF Housing Grant for Resale Flats (Singles) instead.
• The grant is credited to the CPF Ordinary Accounts of the first-timer Singapore Citizen and Permanent Resident members of the core family nucleus, by eligible share. Core applicants can use it to offset the price or reduce the housing loan; occupiers cannot use their CPF savings, including any grant, for the purchase or the loan. All core members must stay in the flat application and live in the flat during the minimum occupation period. When the flat is sold, CPF Board requires the CPF principal withdrawn for it, including the CPF Housing Grant, to be refunded to the CPF account with accrued interest; where a flat sold at market value does not fetch enough to cover the outstanding loan and the refund, only the selling price less the outstanding loan is refunded.