HDB Grant Calculator
Estimate the CPF housing grants a first-timer can receive when buying an HDB flat — the Enhanced CPF Housing Grant of up to SGD 120,000, the CPF Housing Grant for resale flats, and the Proximity Housing Grant — using current HDB and CPF figures.
HDB Grant Calculator
CPF housing grants for first-timers · 2026
Estimates only. Grants assume first-timer status and Singapore Citizen eligibility. Actual eligibility and amounts are assessed by HDB from your application and household circumstances.
Grant Breakdown
FAMILYYour grants
Grants are paid into your CPF Ordinary Account and reduce the cash and CPF you need for the flat. This shows each grant you may receive on these inputs. Per CPF Board.
Grant composition
Enhanced CPF Housing Grant by income
The EHG applies to both new and resale flats. The amount steps down as household income rises, up to the ceiling. Per HDB.
| Avg monthly household income (families) | EHG |
|---|---|
| Up to SGD 1,500 | SGD 120,000 |
| SGD 1,501 – 2,000 | SGD 110,000 |
| SGD 2,001 – 2,500 | SGD 105,000 |
| SGD 2,501 – 3,000 | SGD 95,000 |
| SGD 3,001 – 3,500 | SGD 90,000 |
| SGD 3,501 – 4,000 | SGD 80,000 |
| SGD 4,001 – 4,500 | SGD 70,000 |
| SGD 4,501 – 5,000 | SGD 65,000 |
| SGD 5,001 – 5,500 | SGD 55,000 |
| SGD 5,501 – 6,000 | SGD 50,000 |
| SGD 6,001 – 6,500 | SGD 40,000 |
| SGD 6,501 – 7,000 | SGD 30,000 |
| SGD 7,001 – 7,500 | SGD 25,000 |
| SGD 7,501 – 8,000 | SGD 20,000 |
| SGD 8,001 – 8,500 | SGD 10,000 |
| SGD 8,501 – 9,000 | SGD 5,000 |
Grants for resale flats
Buying a resale flat can add the CPF Housing Grant and the Proximity Housing Grant on top of the EHG. Per HDB.
CPF Housing Grant (first-timer families)
| Flat size | Two SCs | SC + PR | Single (35+) |
|---|---|---|---|
| 2- to 4-room | SGD 80,000 | SGD 70,000 | SGD 40,000 |
| 5-room or bigger | SGD 50,000 | SGD 40,000 | SGD 25,000 |
Proximity Housing Grant
| Arrangement | Families | Singles |
|---|---|---|
| Living with parents / child | SGD 30,000 | SGD 15,000 |
| Living within 4 km | SGD 20,000 | SGD 10,000 |
Which grants apply
The grants available depend on whether you buy a new or resale flat. Per HDB.
| Grant | New BTO | Resale | Max (families) |
|---|---|---|---|
| Enhanced CPF Housing Grant | Yes | Yes | SGD 120,000 |
| CPF Housing Grant | No | Yes | SGD 80,000 |
| Proximity Housing Grant | No | Yes | SGD 30,000 |
Eligibility in brief
Grants are for first-timer Singapore Citizen households. The main conditions are below. Per HDB.
| Condition | Detail |
|---|---|
| First-timer | Never received a housing subsidy or bought a subsidised flat before |
| Citizenship | At least one applicant is a Singapore Citizen |
| EHG income ceiling | SGD 9,000 (families); SGD 4,500 assessed (singles) |
| Resale grant ceiling | SGD 14,000 (families); SGD 7,000 (single buying alone) |
| Singles age | At least 35 years old to buy alone or with parents |
| EHG condition | Continuous employment for 12 months before application |
CPF Housing Grants for First-Timers
The Enhanced CPF Housing Grant, the CPF Housing Grant for resale flats, the Proximity Housing Grant, and the Step-Up Grant — the grant amounts, income ceilings, and which flats they apply to, sourced from HDB and CPF.
Enhanced CPF Housing Grant
The main grant, for both new and resale flats, scaled to household income.
CPF Housing Grant
An extra grant for first-timers buying a resale flat, by flat size and citizenship.
Proximity Housing Grant
Rewards buying a resale flat near or with your parents or child. No income ceiling.
Enhanced CPF Housing Grant by Income (Families)
The EHG applies to both new and resale flats and steps down as average gross monthly household income rises, up to the SGD 9,000 ceiling. Per HDB.
| Avg gross monthly household income | EHG (families) |
|---|---|
| Up to SGD 1,500 | SGD 120,000 |
| SGD 1,501 – 2,000 | SGD 110,000 |
| SGD 2,001 – 2,500 | SGD 105,000 |
| SGD 2,501 – 3,000 | SGD 95,000 |
| SGD 3,001 – 3,500 | SGD 90,000 |
| SGD 3,501 – 4,000 | SGD 80,000 |
| SGD 4,001 – 4,500 | SGD 70,000 |
| SGD 4,501 – 5,000 | SGD 65,000 |
| SGD 5,001 – 5,500 | SGD 55,000 |
| SGD 5,501 – 6,000 | SGD 50,000 |
| SGD 6,001 – 6,500 | SGD 40,000 |
| SGD 6,501 – 7,000 | SGD 30,000 |
| SGD 7,001 – 7,500 | SGD 25,000 |
| SGD 7,501 – 8,000 | SGD 20,000 |
| SGD 8,001 – 8,500 | SGD 10,000 |
| SGD 8,501 – 9,000 | SGD 5,000 |
CPF Housing Grant for Resale Flats (Families)
First-timer families buying a resale flat can receive the CPF Housing Grant on top of the EHG, by flat size and citizenship. Per HDB.
| Flat size | Two SCs | SC + PR | Single (35+) |
|---|---|---|---|
| 2- to 4-room | SGD 80,000 | SGD 70,000 | SGD 40,000 |
| 5-room or bigger | SGD 50,000 | SGD 40,000 | SGD 25,000 |
Proximity Housing Grant
Rewards buying a resale flat to live with, or within 4 km of, your parents or child. No income ceiling. Per HDB.
| Arrangement | Families | Singles |
|---|---|---|
| Living with parents / child | SGD 30,000 | SGD 15,000 |
| Living within 4 km | SGD 20,000 | SGD 10,000 |
Which Grants Apply — BTO vs Resale
The grants available depend on whether you buy a new BTO or a resale flat. Per HDB.
| Grant | New BTO | Resale | Max (families) |
|---|---|---|---|
| Enhanced CPF Housing Grant | Yes | Yes | SGD 120,000 |
| CPF Housing Grant | No | Yes | SGD 80,000 |
| Proximity Housing Grant | No | Yes | SGD 30,000 |
| Step-Up CPF Housing Grant | Yes | Yes | SGD 15,000 |
CPF Housing Grant News & Policy Updates
The HDB and CPF grant changes that shape how much support a first-timer receives — the enhanced EHG of up to SGD 120,000, the resale CPF Housing Grant, the Proximity Housing Grant, and the Step-Up Grant.
Enhanced CPF Housing Grant raised to a maximum of SGD 120,000
Announced at the National Day Rally on 19 August 2024 and effective from the October 2024 BTO exercise, the EHG ceiling was raised for first-timer families to a maximum of SGD 120,000 (up from SGD 80,000) and for singles to SGD 60,000 (up from SGD 40,000). The income ceiling of SGD 9,000 for families is unchanged.
What changed
Families now receive up to SGD 120,000 and singles up to SGD 60,000, stepping down with income across the same bands. The grant applies to both new and resale flats.
Effect on buyers
Lower-income first-timers receive substantially more support toward the flat, credited to the CPF Ordinary Account and used to reduce the cash and CPF needed.
Proximity Housing Grant of SGD 30,000 for living with family
First-timer and second-timer families buying a resale flat to live with their parents or child receive a SGD 30,000 Proximity Housing Grant, or SGD 20,000 for living within 4 km. Singles receive SGD 15,000 and SGD 10,000 respectively. There is no income ceiling for this grant.
Amounts
Families: SGD 30,000 living with, SGD 20,000 within 4 km. Singles: SGD 15,000 living with, SGD 10,000 within 4 km. Resale flats only.
No income ceiling
Unlike the EHG and CPF Housing Grant, the Proximity Housing Grant has no income limit — it rewards buying near family regardless of household income.
New BTO flats qualify for the EHG only; resale adds two more grants
A new BTO flat qualifies for the Enhanced CPF Housing Grant only. Buying a resale flat instead adds the CPF Housing Grant and the Proximity Housing Grant on top of the EHG, which is why the maximum grant support is higher for resale.
New BTO
EHG only, up to SGD 120,000 for families and SGD 60,000 for singles. The Step-Up Grant may apply for eligible second-timer families.
Resale
EHG plus the CPF Housing Grant (up to SGD 80,000) and the Proximity Housing Grant (up to SGD 30,000) — up to SGD 230,000 for a first-timer family.
CPF Housing Grants — Frequently Asked Questions
Common questions about the Enhanced CPF Housing Grant, the CPF Housing Grant for resale flats, the Proximity Housing Grant, income ceilings, and first-timer eligibility — with current HDB and CPF figures.
First-timers can receive up to three grants, credited to the CPF Ordinary Account:
- Enhanced CPF Housing Grant (EHG) — for new and resale flats, up to SGD 120,000 for families
- CPF Housing Grant — for resale flats only, up to SGD 80,000 for families
- Proximity Housing Grant (PHG) — for resale flats bought near or with family, up to SGD 30,000
A separate Step-Up Grant of SGD 15,000 helps eligible second-timer families.
HDB — Flat & Grant EligibilityThe Enhanced CPF Housing Grant is the main housing grant for first-timers, available for both new BTO and resale flats. The amount is based on your average gross monthly household income and steps down as income rises, up to the income ceiling. It replaced the earlier Additional and Special CPF Housing Grants.
HDB — Enhanced CPF Housing GrantFirst-timer families can receive up to SGD 120,000 and singles up to SGD 60,000. The maximum applies at the lowest income band and steps down as household income rises — for example, SGD 50,000 at an average income of SGD 5,501–6,000, down to SGD 5,000 at SGD 8,501–9,000 for families. Above the income ceiling, no EHG applies.
HDB — Enhanced CPF Housing GrantA new BTO flat qualifies for the EHG only (up to SGD 120,000 for families). A resale flat qualifies for the EHG plus the CPF Housing Grant and the Proximity Housing Grant. This is why the total grant support can be higher for a resale flat than for a new BTO flat.
HDB — Flat & Grant EligibilityThe CPF Housing Grant is an additional grant for first-timers buying a resale flat, on top of the EHG. For families, it is SGD 80,000 for a 2- to 4-room flat and SGD 50,000 for a 5-room or larger flat where both applicants are Singapore Citizens; SGD 70,000 / SGD 40,000 for an SC and Permanent Resident couple. The resale income ceiling is SGD 14,000.
HDB — CPF Housing GrantsThe Proximity Housing Grant (PHG) supports buying a resale flat to live near or with your parents or child. Families receive SGD 30,000 for living together or SGD 20,000 for living within 4 km; singles receive SGD 15,000 and SGD 10,000 respectively. There is no income ceiling for the PHG, and it applies to resale flats only.
HDB — Proximity Housing GrantThe EHG income ceiling is an average gross monthly household income of SGD 9,000 for families. For singles, the assessed income ceiling is SGD 4,500. Income is averaged over the 12 months before the flat application. Households above the ceiling do not qualify for the EHG, though resale buyers may still receive the CPF Housing Grant (ceiling SGD 14,000) and the Proximity Housing Grant.
HDB — Enhanced CPF Housing GrantA first-timer is someone who has never received a housing subsidy — that is, has not previously bought a subsidised flat from HDB, received a CPF housing grant, or taken part in certain other housing schemes. First-timer status is what qualifies you for the full grant amounts. Households where one person has taken a subsidy before are usually assessed as second-timers.
HDB — Flat & Grant EligibilityYes. Singaporean singles aged 35 and above can receive the EHG (Singles) of up to SGD 60,000, and when buying a resale flat, the CPF Housing Grant (Singles) of SGD 40,000 (2–4 room) or SGD 25,000 (5-room), plus the Proximity Housing Grant of up to SGD 15,000. Singles grant amounts are generally half the family amounts.
HDB — Grants for SinglesNo. CPF housing grants are credited to your CPF Ordinary Account, not paid as cash. They can be used for the downpayment and to reduce the housing loan, but not for the minimum cash portion required for a bank loan. If the flat is later sold, the grant amount plus accrued interest is refunded to your CPF account.
CPF — Guide to EHG & Proximity GrantA first-timer family buying a resale flat could receive up to SGD 230,000 — the EHG (up to SGD 120,000), the CPF Housing Grant (up to SGD 80,000), and the Proximity Housing Grant (up to SGD 30,000). A first-timer single could receive up to SGD 115,000. These maximums assume the lowest income band and eligibility for all three grants; most households receive less.
HDB — CPF Housing GrantsImportant Disclaimer
For educational and informational purposes only. This tool produces estimates of the CPF housing grants a first-timer may receive when buying an HDB flat. It applies the Enhanced CPF Housing Grant (up to SGD 120,000 for families and SGD 60,000 for singles, income ceiling SGD 9,000 for families), the CPF Housing Grant for resale flats (up to SGD 80,000 for families), and the Proximity Housing Grant (up to SGD 30,000). Grants are credited to the CPF Ordinary Account, not paid as cash.
No warranty of accuracy. While Money Snap sources these grant amounts and income ceilings from HDB and the CPF Board, this tool is provided "as is" without any express or implied warranty as to accuracy, completeness, or timeliness. The grant you actually receive depends on your first-timer status, citizenship, flat type and size, household income, proximity to family, and each application's assessment by HDB. Grant schemes, amounts, and income ceilings are reviewed and revised by the Government and may be out of date here.
Not financial advice. Information provided is general in nature only and does not take into account your personal objectives, financial situation, or needs. Results do not constitute financial, property, or housing advice. Before making any decision, confirm your eligibility and grant amounts with HDB, obtain an HDB Flat Eligibility (HFE) letter, and consider advice from a qualified professional.
Limitation of liability. To the maximum extent permitted by law, Money Snap accepts no liability for any loss, damage, cost, or expense arising from reliance on this tool or the information it produces. Users are responsible for verifying all figures with HDB and the CPF Board before relying on them. Use is subject to our Terms of Use.
Official data sources
EHG (max SGD 120,000 families / SGD 60,000 singles), CPF Housing Grant, and Proximity Housing Grant amounts are current HDB figures. Eligibility is assessed by HDB.