HDB Grants 2026: Eligibility, EHG & Resale Amounts

Last reviewed: 25 Jul 2026

Eligible first-timer families can receive an Enhanced CPF Housing Grant (EHG) of up to $120,000 for a new or resale HDB flat. An eligible first-timer single can receive up to $60,000 in EHG.

Resale buyers may qualify for additional grants. A first-timer family buying a 4-room or smaller resale flat can receive a CPF Housing Grant of up to $80,000, while the Proximity Housing Grant (PHG) can add $30,000 for living with parents or a child, or $20,000 for living within 4km.

These are maximum amounts, not automatic entitlements. Your HDB Flat Eligibility (HFE) letter states the grants and housing loan for which your household is assessed as eligible.

HDB grants in 2026: quick comparison

The applicable flat type, household composition, citizenship, previous housing subsidies, property ownership, remaining lease and other conditions can change the amount. HDB's assessment in the HFE letter controls.

Enhanced CPF Housing Grant: up to $120,000 for families

The EHG supports eligible first-timer households buying either:

• a new flat from HDB; or
• a resale flat, including eligible Standard, Plus or Prime purchases.

For a first-timer family, the current EHG ranges from $5,000 to $120,000 according to assessed average monthly household income. The maximum $120,000 tier applies at the lowest assessed income band, while households above the $9,000 EHG income ceiling do not receive EHG.

HDB assesses income over the applicable 12-month period for the HFE application. At least one applicant or core member must generally have worked continuously for 12 months and still be working when the HFE application is made. Refer to the HFE instructions for the precise assessment dates and documents.

The flat must have more than 20 years of remaining lease. To receive the full EHG amount, the remaining lease must generally cover the youngest core member to age 95; otherwise HDB may pro-rate the grant.

EHG for singles: up to $60,000 each

An eligible first-timer single buying alone can receive an EHG (Singles) of up to $60,000, subject to a $4,500 average monthly income ceiling.

When eligible first-timer singles buy together, up to two singles may each qualify for EHG (Singles). The combined EHG can therefore reach $120,000, but HDB assesses each applicant and the household arrangement under the applicable scheme.

For a resale purchase, a single must first qualify for the CPF Housing Grant for Resale Flats (Singles) before EHG (Singles) can apply.

CPF Housing Grant for first-timer families buying resale

The CPF Housing Grant for families applies to eligible first-timer households buying a resale flat:

• $80,000 for a 2-room, 3-room or 4-room resale flat.
• $50,000 for a 5-room or bigger resale flat.

The usual average monthly household income ceiling is $14,000. Citizenship and household-status rules also affect the grant, and a Singapore Citizen/Singapore Permanent Resident household may receive a different amount from an all-citizen household.

This grant does not apply to a normal BTO purchase. A first-timer BTO family generally looks to EHG instead.

Singles Grant for resale flats

An eligible first-timer Singapore Citizen buying a resale flat alone can receive:

• $40,000 for a 2-room, 3-room or 4-room flat.
• $25,000 for a 5-room flat.

The average monthly income ceiling is generally $7,000 when buying alone. When buying with eligible family members or other singles, HDB applies the income ceiling and grant distribution for that household arrangement; the combined Singles Grant can be higher when two eligible singles buy together.

Proximity Housing Grant: living with or near family

PHG is for an eligible resale purchase, not a BTO purchase. It has no income ceiling.

For families:

• $30,000 when the buyer will live with parents or a child.
• $20,000 when the buyer will live within 4km of parents or a child.

For eligible singles:

• $15,000 when buying a resale flat to live with parents.
• $10,000 when buying within 4km of parents.

The parent or child's registered address, ownership or occupier status and continued compliance during the minimum occupation period matter. HDB provides a distance-check service for the 4km condition.

Can HDB grants be combined?

Some grants can be stacked because they answer different eligibility questions.

First-timer family buying a BTO flat

The main grant is EHG, up to $120,000. The actual amount depends on assessed income and the flat's remaining lease.

First-timer family buying a 4-room resale flat

If every condition is met, the household could combine:

• EHG: up to $120,000
• CPF Housing Grant: $80,000
• PHG for living with parents or a child: $30,000

The theoretical combined maximum is $230,000. This does not mean every first-timer resale buyer receives $230,000: the household must independently satisfy each grant's rules, and HDB may adjust the usable amount based on the purchase and financing circumstances.

Single buying a 4-room resale flat

An eligible single buying alone and living with parents could potentially combine:

• EHG (Singles): up to $60,000
• Singles Grant: $40,000
• PHG (Singles): $15,000

The theoretical combined maximum is $115,000, subject to HDB's full assessment.

Eligibility checks that commonly change the result

Grant eligibility is not determined by income alone. HDB also checks matters such as:

• whether each applicant is a first-timer or has received a housing subsidy before;
• the core family nucleus and citizenship of applicants and occupiers;
• the flat type and whether it is new, resale Standard, Plus, Prime or unclassified;
• ownership or recent disposal of private residential property in Singapore or overseas;
• ownership of non-residential property;
• the flat's remaining lease and whether it covers the youngest core member to age 95;
• continuous-employment and income-assessment requirements; and
• whether the household has received PHG previously.

Use the BTO and HDB income-ceiling guide to separate purchase eligibility from grant and loan eligibility. A Standard or unclassified resale flat may have no purchase income ceiling even though a grant or HDB loan still has an income limit.

How the grant is paid and used

HDB housing grants are credited into eligible applicants' CPF Ordinary Accounts, not paid as cash to a bank account. They can offset the flat price and reduce the housing loan required.

Grants cannot replace a payment that the transaction rules specifically require in cash. When the flat is later sold, CPF used for the property—including grants that were credited and used—is generally returned to CPF together with accrued interest, subject to CPF's prevailing housing-refund rules.

For the broader payment sequence, see the CPF use for property guide and the HDB resale timeline and completion-day checklist.

Frequently asked questions

What is the maximum HDB grant in 2026?

For EHG alone, an eligible first-timer family can receive up to $120,000, while an eligible single can receive up to $60,000. A qualifying resale buyer may combine EHG with the CPF Housing Grant and PHG, producing a higher total.

What is the EHG income ceiling?

The average monthly household income ceiling is $9,000 for EHG (Families). For a single applicant buying alone, the EHG (Singles) ceiling is $4,500.

Are HDB grants available for resale flats?

Yes. Eligible first-timer resale buyers can receive the CPF Housing Grant for families or singles, and may also qualify for EHG and PHG.

Can a BTO buyer receive the Family Grant or PHG?

The CPF Housing Grant for families and PHG described here are resale-flat grants. An eligible first-timer BTO buyer generally receives EHG instead.

Is PHG based on income?

No. PHG has no income ceiling, but the buyer and the parent or child must satisfy the family, address, distance and other eligibility conditions.

Does a grant reduce the cash downpayment?

A grant is credited to CPF and applied under HDB and CPF payment rules. It cannot replace an amount that must specifically be paid in cash.

Official sources

• HDB — Enhanced CPF Housing Grant for Families
• HDB — EHG amount table for first-timer families
• HDB — Enhanced CPF Housing Grant for Singles
• HDB — CPF Housing Grant for Singles Buying Resale Flats
• HDB — Proximity Housing Grant for Families Buying Resale Flats
• HDB — Proximity Housing Grant for Singles Buying Resale Flats
• HDB — Couples and Families eligibility overview
• CPF Board — Using CPF to buy a home

Grant amounts and eligibility rules can change. Apply for an HFE letter and verify the linked HDB pages before exercising an Option to Purchase or committing money.

Related guides

• BTO and HDB income ceilings by flat type
• BTO non-selection penalties and the one-year consequences
• BTO-to-resale pivot: grants, costs and timing
• HDB resale timeline and completion-day checklist