Answer
HDB Grants in 2026 — Full Breakdown
Three grants, different eligibility rules, and they can stack. Here's the math on what you can actually get.
Answer: In 2026, first-timer couples can get up to $160,000 in HDB grants — $80,000 (Enhanced CPF Housing Grant) + $50,000 (Family Grant for 4-room+ resale) + $30,000 (Proximity Housing Grant near parents). EHG is income-tiered with a $9,000/month ceiling. Family Grant has no income ceiling for resale buyers. All grants go into your CPF OA and are used toward the flat purchase.
HDB Grants at a Glance
| Grant | Max Amount | Income Ceiling | For |
|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) | $80,000 | $9,000/month | BTO & Resale |
| Family Grant (4-room+) | $50,000 | No ceiling (resale) | Resale only |
| Family Grant (3-room) | $40,000 | No ceiling (resale) | Resale only |
| Proximity Housing Grant (near parents) | $30,000 | No ceiling | BTO & Resale |
| Proximity Housing Grant (near child) | $15,000 | No ceiling | BTO & Resale |
First-timer applicants. Amounts per household.
Enhanced CPF Housing Grant (EHG) by Income
EHG scales with your household income. Lower income = bigger grant. The full $80,000 is for households earning $1,500/month or less.
| Household Income | EHG Amount |
|---|---|
| Up to $1,500 | $80,000 |
| $1,501 – $2,000 | $75,000 |
| $2,001 – $2,500 | $70,000 |
| $2,501 – $3,000 | $65,000 |
| $3,001 – $3,500 | $60,000 |
| $3,501 – $4,000 | $55,000 |
| $4,001 – $4,500 | $50,000 |
| $4,501 – $5,000 | $45,000 |
| $5,001 – $5,500 | $40,000 |
| $5,501 – $6,000 | $35,000 |
| $6,001 – $6,500 | $30,000 |
| $6,501 – $7,000 | $25,000 |
| $7,001 – $7,500 | $20,000 |
| $7,501 – $8,000 | $15,000 |
| $8,001 – $8,500 | $10,000 |
| $8,501 – $9,000 | $5,000 |
| Above $9,000 | Not eligible |
Average gross monthly household income over 12 months. Includes bonuses and overtime.
Family Grant — Resale Flats Only
The Family Grant is for first-timer families buying a resale HDB. No income ceiling — if you are a first-timer, you qualify.
| Flat Type | First-Timer Couple | First-Timer Single (35+) |
|---|---|---|
| 2-room Flexi | $40,000 | $20,000 |
| 3-room | $40,000 | $20,000 |
| 4-room | $50,000 | $25,000 |
| 5-room / Executive | $50,000 | $25,000 |
BTO vs Resale — Which Grants Apply?
| Grant | BTO | Resale |
|---|---|---|
| Enhanced CPF Housing Grant (EHG) | Yes | Yes |
| Family Grant | No | Yes |
| Proximity Housing Grant | Yes | Yes |
BTO flats are already subsidised, so the Family Grant applies only to resale purchases.
Maximum Grant Scenarios
Here's how grants stack for different buyer profiles buying a resale 4-room flat:
| Profile | EHG | Family | PHG | Total |
|---|---|---|---|---|
| Couple, $4K income, near parents | $55,000 | $50,000 | $30,000 | $135,000 |
| Couple, $1.5K income, near parents | $80,000 | $50,000 | $30,000 | $160,000 |
| Couple, $7K income, not near parents | $25,000 | $50,000 | $0 | $75,000 |
| Couple, $10K income, near parents | $0 | $50,000 | $30,000 | $80,000 |
| Single 35+, $4K income, near parents | $55,000 | $25,000 | $15,000 | $95,000 |
Resale 4-room flat. PHG requires living within 4km of parents/child.
Planning your upgrade?
See how much condo you can afford after selling your HDB — factoring in grants, CPF, and your borrowing power.
FAQ
What HDB grants are available in 2026?
Three main grants: Enhanced CPF Housing Grant (EHG) up to $80,000, CPF Housing Grant for Family (up to $50,000 for 4-room and above, $40,000 for 3-room), and Proximity Housing Grant (PHG) up to $30,000. EHG and Family Grant can be stacked.
What is the income ceiling for HDB grants?
EHG has a household income ceiling of $9,000/month. The Family Grant for resale flats has no income ceiling. PHG has no income ceiling. For BTO flats, the overall application income ceiling is $14,000 ($21,000 for EC).
Can I get both EHG and Family Grant?
Yes. If you qualify for both, they stack. A first-timer couple earning $4,000/month buying a resale 4-room flat could get up to $80,000 (EHG) + $50,000 (Family Grant) + $30,000 (PHG) = $160,000 in total grants.
Do HDB grants apply to BTO or resale flats?
EHG applies to both BTO and resale. The Family Grant applies only to resale flats. PHG applies to both BTO and resale. Grant amounts and eligibility differ between the two — resale buyers generally get more grant options.
How is the EHG amount calculated?
EHG is tiered by household income. At $1,500/month or below, you get the full $80,000. The grant decreases in steps as income rises, reaching $5,000 at the $9,000 ceiling. The exact tiers are set by HDB and reviewed periodically.
Related
Last updated Feb 2026. Grant amounts per HDB. Eligibility conditions apply — check HDB InfoWEB for your specific situation. This is not financial advice.