Housing grants are still one of the best ways for first-time HDB buyers in Singapore to get money. When buying a BTO or resale flat in 2026, eligible households may be able to get up to S$190,000 in CPF housing grants.
Knowing about the grants that are out there can make it a lot cheaper to buy a home.
| Type of Grant | Maximum Amount | Important Requirement | Type of Flat |
|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) | Up to S$80,000 | for people with incomes of S$9,000 or less who are buying or selling a home. | |
| Family Grant | As much as S$80,000 | Couples who are getting married for the first time | Flats for sale |
| Proximity Housing Grant (PHG) | Up to S$30,000 | for living close to parents or children | Flats for resale |
| Total Possible Support | Up to S$190,000 | Combined eligibility rules apply for BTO and Resale | Flats for sale |
What are grants for HDB housing?
HDB housing grants are government money that goes into the buyer’s CPF Ordinary Account. You can use this money to lower the cost of buying a flat.
The plan has three main goals:
- Make housing more affordable for people in Singapore
- Help young couples buy their first home
- Encourage people to own their homes for a long time
First-time buyers get the most help with grants, especially those with lower incomes.
EHG: Enhanced CPF Housing Grant
The Enhanced CPF Housing Grant is the main financial help for people buying their first home.
Depending on their monthly income, eligible households can get up to S$80,000.
Important requirements
- The monthly income of the household cannot be more than S$9,000.
- People who want to apply must have been working for at least 12 months straight.
- This applies to both BTO and resale flats.
- Households with lower incomes get bigger grants.
Family Grant for Flats to Resell
People who buy a resale HDB flat may be able to get the Family Grant.
| Type of Flat | Amount of Grant |
|---|---|
| Resale flat with 2–4 rooms | up to S$80,000 |
| 5 rooms or more | up to S$50,000 |
This grant helps couples who choose resale flats, which are often available right away without having to wait for construction.
The Proximity Housing Grant (PHG)
The Proximity Housing Grant helps families live close to each other so they can help each other.
Retirement Savings Plan with a Match
In Singapore CPF Top-Ups 2026 can match up to S$600.
| Living Situation | Amount of Grant |
|---|---|
| If you live with your parents or kids | you get S$30,000. |
| Living within 4 km | S$20,000 |
This grant is only for buying resale flats only.
The most help with housing grants in 2026
When eligible grants are put together, first-time buyers may get a lot of help with their money.
| Maximum Amount of Grant | |
|---|---|
| Improved CPF Housing Grant | S$80,000 |
| Family Grant | S$80,000 |
| Proximity Housing Grant | S$30,000 |
| Total Possible Grants | As much as S$190,000 |
These subsidies can make mortgages and down payments much smaller.
Requirements for HDB Grants
To get CPF housing grants, applicants must meet a number of requirements.
1. First-Time Applicant
People who want to buy a home must not have gotten housing subsidies before.
2. Citizenship in Singapore
At least one person who applies must be a citizen of Singapore.
3. Income Limit
The amount of money you can make depends on the grant:
- EHG Monthly income is less than or equal to S$9,000
- BTO purchase The most you can make is usually S$14,000.
4. Job security
People who want to apply must have worked steadily for 12 months.
5. Minimum Occupation Period (MOP)
Before selling owners must stay in the flat for the required MOP.
How to Get HDB Housing Grants
When you apply to buy a flat, you usually also apply for housing grants.
Step 1: Check if you are eligible
Check out the HDB website for the criteria required.
Step 2: Ask for a flat
Pick one of the following:
- The cost of the Singapore driving test goes up.
- Driving Test Fees Go Up Check out the new prices for the theory and practical tests and the increases that will happen until 2028.
- Launch of Build To Order BTO
- Buy a resale flat
Step 3: Send in the papers
Get ready with the following documents:
- Statements of income
- Records of CPF contributions
- Documents that prove your identity
Step 4: Give credit for the grant
If the grant is approved, it will be added to your CPF Ordinary Account.
Benefits of HDB Grants
Less Money Needed to Buy a Home
Housing grants lower the amount of money you need to buy a flat.
A smaller mortgage loan
Subsidies from the government help lower the total amount of money needed for a loan.
Better Options for Housing
People who buy may be able to afford bigger or better-located apartments.
Help from family
The Proximity Housing Grant encourages networks of support between people of different generations.
Advice for People Buying a HDB for the First Time
Plan your budget carefully Take into account:
- Payments on the mortgage every month
- Costs of remodeling
- Costs of running a home
Look at BTO and Resale Flats side by side.
Every choice works for a different set of needs:
- BTO Lower price but longer wait time
- Resale Available right away
Check to see if you qualify for a grant Before
Knowing how much the grant is worth can help you figure out how much you can realistically spend on housing.
Be careful with your CPF savings CPF money helps with housing, but it’s also important for planning for retirement.
Changes to the Singapore Work Permit
Updates to the Work Permit 2026 include an increase in the LQS to S$1,800, higher age limits, and new rules for employers’ quotas.
Why This Is Important
Many young Singaporeans are still very worried about the cost of housing. The CPF housing grants make it easier to buy your first home by lowering the cost.
Many first time buyers can get into the housing market sooner and ease the pressure of long-term mortgages with combined support of up to S$190,000.
Knowing how the grant system works before applying helps buyers get the most help possible and not miss any eligibility requirements.
Questions that are often asked
How much money can first-time buyers get from the HDB in 2026?
Depending on their income and the type of flat they want to buy, eligible buyers may be able to get up to S$190,000 in combined CPF housing grants.
Can single people get HDB housing grants?
Yes When buying 2 room Flexi flats or resale flats, singles may be able to get some grants, but the amounts vary.
Do you have to pay back HDB grants?
You do not have to pay back grants If the flat is sold, though, the amount plus any interest that has built up must be returned to CPF.
Can people who live in Singapore permanently apply for HDB grants?
Most grants are for people who live in Singapore, but some PR households may be able to get them under certain conditions.
How much money can you make and still get a housing grant?
Most of the time income limits are between S$9,000 and S$14,000 per month, depending on the type of grant.
