A lot of people in Singapore are still worried about the cost of housing. In 2026, CPF housing grants will still help eligible buyers pay less for a HDB flat.
These grants can make it much easier to get a housing loan quickly.
| Type of Grant | Maximum Amount | Key Requirements for Eligibility |
|---|---|---|
| Improved CPF Housing Grant (EHG) | As much as S$120,000 | First-time buyers with an income of S$9,000 or less |
| Family Grant | Up to S$80,000 | Couples who are married or engaged buying resale flats |
| Proximity Housing Grant (PHG) | Up to S$30,000 | For buying a home near or with parents or children |
| Maximum Combined Support | Up to S$230,000 | If all the grant requirements are met |
Improved CPF Housing Grant (EHG)
The Enhanced CPF Housing Grant helps first-time buyers buy either a Build-To-Order (BTO) flat or a HDB flat that has already been sold.
Depending on their average monthly household income, eligible households can get up to S$120,000. Under the tiered structure households with lower incomes get bigger grants.
Important requirements for eligibility
- People who want to buy a HDB unit must be first-time buyers.
- Your family’s monthly income can’t be more than S$9,000 income limit.
- At least one of the applicants must have worked for 12 months straight.
- The flat you choose must have a lease that is still long enough (usually 20 years or more).
For example
If a couple makes S$3,500 a month, they might get about S$90,000 in EHG.
The money from the grant goes straight into their CPF account and is used to lower the price of the flat.
Family Grant for HDB Flats That Are for Sale
The Family Grant helps families and couples buy a resale HDB flat.
Young families who want to buy resale flats because of where they are or how long they have to wait often use this grant.
Retirement Savings Plan with a Match
In Singapore, CPF Top-Ups 2026 will match up to S$600.
The most money you can get from a grant
- For a resale flat with 2 to 4 rooms, up to S$80,000
- A resale flat with five or more rooms can cost up to S$50,000.
Requirements for eligibility
- Couples who are married or engaged must make up a family nucleus.
- At least one person applying must be a citizen of Singapore.
- The monthly income of the household can’t be more than S$14,000.
Example
If a married couple buys a 4-room resale flat and their income stays below the limit, they may be able to get the full S$80,000 Family Grant.
Proximity Housing Grant (PHG)
The Proximity Housing Grant encourages families to live closer together so they can help each other and take care of each other.
It only applies to buying HDB flats that are for sale only.
Amount of grants
- $30,000 if the buyers live with their parents or kids
- S$20,000 if they live within 4 km of them
The PHG doesn’t have an income limit like many other housing grants. But you can only get it once in your life.
Sample
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A couple buying a resale flat in the same neighborhood as their parents may get S$20,000 PHG and other grants available.
How Much Help Can Buyers Get in Total?
Buyers can combine CPF housing grants as long as they meet all the requirements.
A typical grant combination might have:
- Enhanced CPF Housing Grant (EHG): up to S$120,000
- Family Grant: as much as S$80,000
- Proximity Housing Grant (PHG): S$30,000 or less
This means that the most help that eligible resale flat buyers can get is S$230,000.
Example Grant Situation
A couple who buys a resale flat could get:
- EHG: S$80,000
- Family Grant: S$80,000
- PHG (living near parents): S$20,000
- Total amount of grants: S$180,000
This lowers the amount of the mortgage and the monthly payments significantly.
Why This Is Important
Housing costs are still a big problem in Singapore. The goal of CPF housing grants is to keep first-time buyers, especially young couples starting new families, from being priced out of the market.
When selling a flat combining several grants can pay for a big part of the price, especially for smaller units.
Changes to the Singapore Work Permit
Changes to the Work Permit 2026 include a rise in the LQS to S$1,800, higher age limits and new quota rules for employers.
Buyers who understand the grant structure early can make plans ahead:
- Type of flat and budget
- Close to family
- The amount of the loan and the monthly payments
If you don’t meet the eligibility requirements or don’t plan ahead early, you could lose access to important subsidies.
[Link to Official Source—Apply Here]
Questions that come up a lot
Can people who are buying a home for the first time get more than one housing grant?
Yes, buyers who meet the requirements for each program can combine the EHG, Family Grant, and PHG.
Do CPF housing grants come in cash?
No, grants are put into the buyer’s CPF Ordinary Account and used to lower the price of the flat.
Are people who buy BTO homes eligible for the Family Grant?
No. Only resale HDB flats are eligible for the Family Grant.
Is there a limit on how much money you can make to get the Proximity Housing Grant?
No. There is no income limit for the PHG, but you can only get it once in your life.
