Answer
CPF Housing Grant Amounts in Singapore
The grants you qualify for depend on your household income, flat type, buyer status (first-timer vs second-timer), and proximity to parents.
Answer: First-timer families can receive up to $80,000 (Enhanced CPF Housing Grant) + $80,000 (Family Grant for resale 4-room or smaller) + $30,000 (Proximity Housing Grant) = up to $190,000 in total CPF housing grants. Exact amounts depend on household income and flat type.
Enhanced CPF Housing Grant (EHG)
For first-timer families. Applies to both BTO and resale flats.
| Household Income | EHG (Family) | EHG (Single) |
|---|---|---|
| \u2264 $1,500 | $80,000 | $40,000 |
| $1,501 \u2013 $2,000 | $75,000 | $37,500 |
| $2,001 \u2013 $2,500 | $70,000 | $35,000 |
| $2,501 \u2013 $3,000 | $65,000 | $32,500 |
| $3,001 \u2013 $3,500 | $60,000 | $30,000 |
| $3,501 \u2013 $4,000 | $55,000 | $27,500 |
| $4,001 \u2013 $4,500 | $50,000 | $25,000 |
| $4,501 \u2013 $5,000 | $45,000 | $22,500 |
| $5,001 \u2013 $5,500 | $40,000 | $20,000 |
| $5,501 \u2013 $6,000 | $35,000 | $17,500 |
| $6,001 \u2013 $6,500 | $30,000 | $15,000 |
| $6,501 \u2013 $7,000 | $25,000 | $12,500 |
| $7,001 \u2013 $7,500 | $20,000 | \u2014 |
| $7,501 \u2013 $8,000 | $15,000 | \u2014 |
| $8,001 \u2013 $8,500 | $10,000 | \u2014 |
| $8,501 \u2013 $9,000 | $5,000 | \u2014 |
| > $9,000 | $0 | $0 |
Singles: income ceiling $7,000, must be 35+ under Single Singapore Citizen Scheme.
CPF Family Grant (Resale Flats Only)
| Buyer Status | 4-Room or Smaller | 5-Room or Larger |
|---|---|---|
| First-timer family | $80,000 | $50,000 |
| Second-timer family | $40,000 | $25,000 |
| First-timer single (35+) | $40,000 | $25,000 |
| Second-timer single (35+) | $20,000 | $12,500 |
Family Grant does not apply to BTO flats. Income ceiling: $14,000 (families) / $7,000 (singles).
Proximity Housing Grant (PHG)
Live within 4 km of parents or child. Applies to both BTO and resale.
| Flat Type | Family | Single (35+) |
|---|---|---|
| BTO | $20,000 | $10,000 |
| Resale | $30,000 | $15,000 |
Must live with or near parents/child (not siblings). Living together = same address.
Maximum Total Grants \u2014 Common Scenarios
| Scenario | EHG | Family | PHG | Total |
|---|---|---|---|---|
| First-timer couple, resale 4-room, near parents, income $3K | $65,000 | $80,000 | $30,000 | $175,000 |
| First-timer couple, resale 5-room, near parents, income $5K | $45,000 | $50,000 | $30,000 | $125,000 |
| First-timer couple, BTO 4-room, near parents, income $7K | $25,000 | $0 | $20,000 | $45,000 |
| Single (35+), resale 4-room, near parents, income $3.5K | $30,000 | $40,000 | $15,000 | $85,000 |
| Second-timer couple, resale 4-room, near parents, income $6K | $0 | $40,000 | $30,000 | $70,000 |
EHG is only for first-timers. Second-timers qualify for Family Grant and PHG only.
Planning your upgrade?
See how grants reduce your cash outlay when upgrading from HDB to condo \u2014 or run the numbers on a resale flat purchase.
FAQ
What is the maximum CPF housing grant I can get?
First-timer couples can receive up to $80,000 (EHG) + $80,000 (Family Grant for resale 4-room or smaller) + $30,000 (Proximity Housing Grant) = up to $190,000 in total grants. For BTO, the Family Grant does not apply, but EHG + PHG can still total $110,000.
How much is the Enhanced CPF Housing Grant (EHG)?
The EHG provides up to $80,000 for first-timer families with a household income of $1,500 or below. The grant decreases in $5,000 steps as income rises, reaching $5,000 at the $9,000 income ceiling. Singles (35+) can receive up to $40,000 under the EHG.
What is the CPF Family Grant for resale flats?
The Family Grant for first-timer families is $50,000 for 5-room or larger resale flats and $80,000 for 4-room or smaller resale flats. Second-timer families receive $40,000 for 4-room or smaller and $25,000 for 5-room or larger.
What is the Proximity Housing Grant (PHG)?
The PHG gives $30,000 to families and $15,000 to singles who buy a resale flat within 4 km of their parents’ or child’s home. For BTO, the PHG is $20,000 for families and $10,000 for singles. You must live near parents/child, not just siblings.
Can singles get CPF housing grants?
Yes. Singles aged 35 and above under the Single Singapore Citizen Scheme can receive the Half-Housing Grant: up to $40,000 EHG, $25,000–$40,000 Family Grant (resale), and $15,000 PHG (resale) or $10,000 PHG (BTO). Total up to $95,000.
Do CPF housing grants apply to BTO or resale only?
Both. The EHG applies to both BTO and resale. The Family Grant applies to resale flats only (not BTO). The Proximity Housing Grant applies to both BTO and resale but at different amounts ($20K/$10K for BTO vs $30K/$15K for resale).
Related
Last updated Feb 2026. Grant amounts based on HDB\u2019s prevailing housing grant framework. This is informational, not financial advice.