Answer
CPF Housing Grant for HDB Resale Flats
Multiple grants, different eligibility rules, and they stack. Here's what you can actually get when buying a resale flat.
Answer: First-timer couples buying a resale HDB can get up to $160,000 in grants — $80,000 Enhanced Housing Grant (EHG, income-tiered, ceiling $9K/month) + $50,000 Family Grant (4-room+, no income ceiling) + $30,000 Proximity Housing Grant (within 4km of parents). Singles aged 35+ get half: up to $80,000 total. All grants go into CPF OA.
Resale HDB Grants at a Glance
| Grant | First-Timer Couple | Single (35+) | Income Ceiling |
|---|---|---|---|
| Enhanced Housing Grant (EHG) | Up to $80,000 | Up to $40,000 | $9,000/mo |
| Family Grant (4-room+) | $50,000 | $25,000 | No ceiling |
| Family Grant (3-room) | $40,000 | $20,000 | No ceiling |
| Proximity Grant (near parents) | $30,000 | $15,000 | No ceiling |
| Proximity Grant (near child) | $20,000 | $10,000 | No ceiling |
| Maximum Total (4-room+, near parents) | $160,000 | $80,000 |
First-timer applicants. Amounts per household. Grants credited to CPF OA.
EHG Amount by Household Income
The Enhanced Housing Grant scales with income. Lower income = bigger grant. This is the biggest grant available and applies to both BTO and resale.
| Monthly Household Income | Couple | Single (35+) |
|---|---|---|
| Up to $1,500 | $80,000 | $40,000 |
| $1,501 – $2,000 | $75,000 | $37,500 |
| $2,001 – $3,000 | $65,000 | $32,500 |
| $3,001 – $4,000 | $55,000 | $27,500 |
| $4,001 – $5,000 | $45,000 | $22,500 |
| $5,001 – $6,000 | $35,000 | $17,500 |
| $6,001 – $7,000 | $25,000 | $12,500 |
| $7,001 – $8,000 | $15,000 | $7,500 |
| $8,001 – $9,000 | $5,000 | $2,500 |
| Above $9,000 | Not eligible | Not eligible |
Average gross monthly household income over 12 months. Includes bonuses, overtime, rental income.
First-Timer vs Second-Timer
"First-timer" means you've never owned a subsidised flat (BTO, DBSS, EC bought from developer). If you've sold one, you're a second-timer.
| Grant | First-Timer | Second-Timer |
|---|---|---|
| Enhanced Housing Grant (EHG) | Up to $80,000 | Not eligible |
| Family Grant (4-room+) | $50,000 | $25,000 |
| Family Grant (3-room) | $40,000 | $20,000 |
| Proximity Grant (near parents) | $30,000 | $15,000 |
If one applicant is first-timer and one is second-timer, you get first-timer rates for EHG but half the Family Grant.
Example Scenarios
Here's what different buyer profiles can expect for a resale 4-room flat:
| Profile | EHG | Family | PHG | Total |
|---|---|---|---|---|
| Couple, $5K income, near parents | $45,000 | $50,000 | $30,000 | $125,000 |
| Couple, $8K income, not near parents | $15,000 | $50,000 | $0 | $65,000 |
| Single 35+, $4K income, near parents | $27,500 | $25,000 | $15,000 | $67,500 |
| Second-timer couple, near parents | $0 | $25,000 | $15,000 | $40,000 |
| Couple, $1.5K income, near parents | $80,000 | $50,000 | $30,000 | $160,000 |
Key Eligibility Conditions
- Citizenship: At least one buyer must be a Singapore Citizen.
- EHG income: Average gross monthly household income ≤ $9,000 over 12 months.
- PHG proximity: Must live within 4km of parents' or child's home, or in the same town.
- No private property: Applicants and listed occupiers must not own or have disposed of private property in the last 30 months.
- Flat type: Family Grant amount depends on flat type (3-room vs 4-room+).
- Automatic assessment: No separate application — HDB checks during resale application.
Planning your resale purchase?
Factor in grants, CPF, and your borrowing power to see how much flat you can afford.
FAQ
What CPF housing grants can I get for a resale HDB flat?
Three main grants: Enhanced CPF Housing Grant (EHG) up to $80,000 based on income, CPF Housing Grant for Family up to $50,000 for 4-room and above, and Proximity Housing Grant (PHG) up to $30,000 if buying near parents or child. All three can stack.
What is the income ceiling for the Enhanced Housing Grant (EHG)?
The EHG income ceiling is $9,000/month average gross household income. The grant is tiered: $80,000 at $1,500/month or below, scaling down to $5,000 at $9,000/month. Income above $9,000 means no EHG.
Can singles get CPF housing grants for resale flats?
Yes. Singles aged 35 and above buying under the Single Singapore Citizen Scheme can get half the EHG (up to $40,000), half the Family Grant (up to $25,000 for 4-room+), and half the PHG ($15,000). Total up to $80,000.
What is the difference between first-timer and second-timer grants?
First-timers get the full grant amounts. Second-timers (previously owned a subsidised flat) get half the Family Grant and are not eligible for EHG. If both applicants are second-timers, the Family Grant is further halved.
Do I need to be a first-timer to get the Proximity Housing Grant?
No. PHG is available to both first-timers and second-timers. First-timer families get $30,000 (near parents) or $20,000 (near child). Second-timers get $15,000 (near parents) or $10,000 (near child).
How do I apply for CPF housing grants?
You do not apply separately. When you submit your HDB resale application, HDB automatically assesses your grant eligibility based on your profile. Grants are credited to your CPF OA and used toward the flat purchase.
Related
Last updated Feb 2026. Grant amounts per HDB. Eligibility conditions apply — check HDB InfoWEB for your specific situation. This is not financial advice.