Answer
HDB BTO Grant Calculator — How Much Can You Get? (2026)
BTO grants can knock $45K–$160K off your flat price. The amount depends on your income, flat size, and whether you're near your parents. Here's the exact breakdown by buyer profile.
Answer: First-timer couples can get up to $160K (EHG $80K + Family $50K + PHG $30K) for a 4-room BTO near parents at ≤$4,500/mo income. Singles (35+) get up to $55K (EHG $40K + PHG $15K). Every $1,000/mo above $4,500 costs roughly $10K–$15K in EHG. The income tier is the biggest lever.
Grant Stack by Buyer Profile (2026)
First-timer buyers, all conditions met
| Profile | EHG | Family | PHG | Total |
|---|---|---|---|---|
| Couple, $4.5K/mo, 4-room, near parents | $80K | $50K | $30K | $160K |
| Couple, $4.5K/mo, 5-room, near parents | $80K | $40K | $30K | $150K |
| Couple, $7K/mo, 4-room, no proximity | $45K | $50K | $0 | $95K |
| Couple, $9K/mo, 5-room, near parents | $5K | $40K | $30K | $75K |
| Single (35+), $3.5K/mo, 2-room, near parents | $40K | $0 | $15K | $55K |
| Single (35+), $5K/mo, 2-room, no proximity | $30K | $0 | $0 | $30K |
EHG amounts are approximate — exact tiers are set by HDB and may vary slightly.
EHG by Income Tier (Couples)
| Avg Household Income | EHG (Couple) | EHG (Single) |
|---|---|---|
| ≤$4,500/mo | $80,000 | $40,000 |
| $5,000/mo | ~$75,000 | ~$37,500 |
| $6,000/mo | ~$60,000 | ~$30,000 |
| $7,000/mo | ~$45,000 | $0* |
| $8,000/mo | ~$25,000 | $0* |
| $9,000/mo | $5,000 | $0* |
*Singles EHG ceiling is $7,000/mo. Above that, no EHG for singles.
See how grants affect your total budget
Grants reduce your purchase price directly. Run the full pipeline to see your monthly payment, stamp duty, and cash needed after grants.
FAQ
What grants are available for BTO buyers in 2026?
Three grants stack together: (1) Enhanced CPF Housing Grant (EHG) — up to $80K for couples, $40K for singles. Income-tiered: $80K at average household income $4,500/mo or below, scales down to $0 at $9,000/mo. (2) Family Grant — $50K for 4-room or smaller BTO, $40K for 5-room or larger. Only for first-timer couples with at least one SC. (3) Proximity Housing Grant (PHG) — $30K if buying within 4km of parents/children, $15K for singles. All three grants are credited directly to your CPF OA at key collection and used to offset the purchase price.
How much EHG do I get based on my income?
EHG scales inversely with income. For first-timer couples: $80K at $4,500/mo average income or below. At $5,000/mo: ~$75K. At $6,000/mo: ~$60K. At $7,000/mo: ~$45K. At $8,000/mo: ~$25K. At $9,000/mo: $5K. Above $9,000/mo: $0. For singles (age 35+): half the couple amount, capped at $40K. The income is averaged over 12 months before application. Both applicants' incomes count. Variable income (commission, overtime) is averaged. If one spouse isn't working, only the working spouse's income is assessed — this helps couples where one partner is studying or between jobs.
What is the maximum total grant for a first-timer BTO couple?
Up to $160K if all conditions are met. Stack: EHG $80K (income $4,500/mo or below) + Family Grant $50K (4-room or smaller) + PHG $30K (within 4km of parents). For a 5-room or larger BTO: $80K + $40K + $30K = $150K. Without proximity: $80K + $50K = $130K (4-room) or $80K + $40K = $120K (5-room). At $7,000/mo income near parents, 4-room: $45K + $50K + $30K = $125K. At $9,000/mo income, no proximity, 5-room: $5K + $40K = $45K. The income tier is the biggest variable — every $1,000/mo in income above $4,500 costs you roughly $10K-$15K in EHG.
What grants can singles get for BTO?
Singles aged 35+ buying a 2-room Flexi BTO: (1) EHG — up to $40K (half the couple rate). At $3,500/mo income: $40K. At $5,000/mo: ~$30K. At $7,000/mo: $0 (singles income ceiling for EHG is $7,000/mo, not $9,000). (2) No Family Grant — this is couples only. (3) PHG — $15K if within 4km of parents (half the couple rate). Maximum total for singles: $40K + $15K = $55K. Singles cannot buy 3-room or larger BTO — only 2-room Flexi in non-mature estates, or any 2-room Flexi in mature estates. The income ceiling for singles to buy BTO is $7,000/mo.
Do grants differ between BTO and resale HDB?
Same grant names, but the amounts and conditions differ slightly. For BTO: Family Grant is $50K (4-room or smaller) or $40K (5-room+). For resale: Family Grant is $50K (4-room or smaller) or $40K (5-room or larger). EHG amounts are the same for both BTO and resale — up to $80K for couples, $40K for singles. PHG is the same — $30K couples, $15K singles. The key difference: resale has no income ceiling to BUY (unlike BTO's $14K cap), but you still need income below $9K/mo to qualify for EHG. So a couple earning $12K/mo can buy resale but gets $0 EHG, whereas they wouldn't even qualify for BTO (income ceiling $14K).
How do I maximize my BTO grant amount?
Five strategies: (1) Time your application when your average income is lowest — if one spouse is between jobs or on unpaid leave, the 12-month average drops. At $4,500/mo vs $6,000/mo, that's $20K more in EHG. (2) Buy near parents — $30K PHG is free money for living within 4km. (3) Choose a 4-room or smaller for $10K more in Family Grant vs 5-room. (4) Apply as a couple, not singles — couples get 2x the EHG cap ($80K vs $40K). (5) Don't over-optimize — reducing your income to get more grants costs you more in lost earnings. A $1,500/mo pay cut over 12 months = $18K lost income to gain maybe $15K in EHG. Only worth it if the timing naturally aligns (e.g., parental leave, studying).
Related
- HDB Grants in 2026 — full grant overview
- HDB Grant for First-Timer Couples 2026 — couple-specific breakdown
- CPF Housing Grant for Singles — singles grant details
- Proximity Housing Grant (PHG) — $30K for living near parents
- BTO Income Ceiling 2026 — $14K couples, $7K singles
- HDB BTO Application Guide 2026 — full application process
Last updated Feb 2026. Grant amounts and income tiers are from HDB. EHG amounts between tiers are approximate. This is general information, not financial advice.