CPF Housing Grants Made Easy — Who Qualifies and How Much You Can Get

CPF Housing Grants Made Easy — Who Qualifies And How Much You Can Get

Quick Comparison Table

Grant Who It Helps Income Cap (if any) Maximum Amount
Enhanced CPF Housing Grant (EHG) First-timer families or singles Families ≤ $9,000
Singles ≤ $4,500 when buying alone
Singles ≤ $9,000 when buying with another single or with parent(s)		 $120,000 (families)
$60,000 (singles alone)
Up to $120,000 for joint single or single-with-parent applications
Family Grant (Resale Flats) First-timer families buying a resale flat ≤ $14,000 household income $80,000 (four-room or smaller)
$50,000 (five-room and larger)
Proximity Housing Grant (Families) First-timer families living with or near parents/children None $30,000 when living in the same flat
$20,000 when within four kilometres
Proximity Housing Grant (Singles) First-timer singles living with or near parents None $15,000 when living in the same flat
$10,000 when within four kilometres
Step-Up CPF Housing Grant Second-timer families moving from a smaller to a larger flat ≤ $7,000 household income $15,000
CPF Housing Grant for Executive Condominiums First-timer buyers of Executive Condominiums – $30,000
Citizen Top-Up Grant When a Permanent Resident spouse, parent or child becomes a Singapore Citizen – $10,000 if claimed within six months of citizenship
Figures are indicative. Actual entitlement depends on household profile, income, flat type and remaining lease.

Tiered Breakdown of HDB Housing Grants

1. Enhanced CPF Housing Grant (EHG) – First-Timer Families & Singles

Families / Joint Singles (New or Resale Flats)

Monthly Household Income (S$)Grant (S$)
≤ $1,500$120,000
$1,501–$2,000$110,000
$2,001–$2,500$105,000
$2,501–$3,000$95,000
$3,001–$3,500$90,000
$3,501–$4,000$80,000
$4,001–$4,500$70,000
$4,501–$5,000$65,000
$5,001–$5,500$55,000
$5,501–$6,000$50,000
$6,001–$6,500$40,000
$6,501–$7,000$30,000
$7,001–$7,500$25,000
$7,501–$8,000$20,000
$8,001–$8,500$10,000
$8,501–$9,000$5,000
> $9,000Not eligible

Singles (Applying Alone or with Another Single/Parent)

Half Monthly Income (S$)Grant (S$)
≤ $750$60,000
$751–$1,000$55,000
$1,001–$1,250$52,500
$1,251–$1,500$47,500
$1,501–$1,750$45,000
$1,751–$2,000$40,000
$2,001–$2,250$35,000
$2,251–$2,500$32,500
$2,501–$2,750$27,500
$2,751–$3,000$25,000
$3,001–$3,250$20,000
$3,251–$3,500$15,000
$3,501–$3,750$12,500
$3,751–$4,000$10,000
$4,001–$4,250$5,000
$4,251–$4,500$2,500
> $4,500Not eligible
Families: up to $120,000. Singles: up to $60,000. Income cap $9,000 for families, $4,500 for singles (or $9,000 jointly).

2. CPF Housing Grant for Resale Flats (Family Grant) – First-Timer Families

Household TypeIncome Cap (S$)Grant for 2–4-RoomGrant for 5-Room+
SC–SC Couples≤ $14,000$80,000$50,000
SC–PR Couples≤ $14,000$70,000$40,000
Extended Families (SC–SC)≤ $21,000Same as SC–SCSame as SC–SC

3. Proximity Housing Grant (PHG) – First-Timer Families & Singles

Applicant TypeLiving ArrangementGrant (S$)
FamiliesSame flat with parents/child$30,000
FamiliesWithin 4 km of parents/child$20,000
SinglesSame flat with parents/child$15,000
SinglesWithin 4 km$10,000

4. Step-Up CPF Housing Grant (SUHG) – Second-Timer Families Upsizing

DescriptionIncome Cap (S$)Grant (S$)
Second-timer families upsizing≤ $7,000$15,000

5. Singles Grant – Unmarried SC Aged 35+ Buying Resale Flat

Flat SizeIncome Cap (S$)Grant (S$)
2–4-Room≤ $7,000$40,000
5-Room or Larger≤ $7,000$25,000

6. CPF Housing Grant for Executive Condominiums (ECs)

Full Family Grant

Monthly Income (S$)SC–SC HouseholdSC–PR Household
≤ $10,000$30,000$20,000
$10,001–$11,000$20,000$10,000
$11,001–$12,000$10,000$0
> $12,000Not eligibleNot eligible

Half-Housing Grant (One First-Timer, One Second-Timer)

Monthly Income (S$)Grant (S$)
≤ $10,000$15,000
$10,001–$11,000$10,000
$11,001–$12,000$5,000
> $12,000Not eligible

7. Citizen Top-Up Grant

ScenarioGrant (S$)
When SPR spouse/parent/child becomes SC (apply within 6 months)$10,000

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