Many HDB resale flat buyers depend on CPF housing grants, colloquially known as HDB grants, to finance their home purchases, especially as property prices continue to rise year after year.
However, each grant has different eligibility requirements. And with so many CPF housing grants available for resale flats, it may be difficult to find which one you’re eligible for — and more importantly, how much you can get.
If you already know which grant you are eligible for, here’s the maximum CPF housing grant amount you can expect to receive.
Here are all the HDB grants you can apply for when buying a HDB resale flat:
- Family Grant
- Half Housing Grant
- Enhanced Housing Grant (EHG)
- Singles Grant
- Proximity Housing Grant (Families)
- Proximity Housing Grant (Singles)
#1: CPF Housing Grant (Families) or Family Grant
Eligibility Conditions
| Eligible For | 1st timer couple or family |
| Income Ceiling | – $14,000 (for couples) – $21,000 (with family members, such as parents) |
| Citizenship | – 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR) |
| Age | At least 21 y.o. |
| HDB Remaining Lease | More than 20 years |
| Private Property Ownership | – Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application |
Grant Amount for 1st timer households
New changes to the CPF housing grant were recently announced by Deputy Prime Minister Lawrence Wong at Budget 2023 on 14 February 2023. First-timer families buying a 4-room flat or smaller may qualify for a CPF housing grant of up to $80,000. Those buying a 5-room or bigger flat may also qualify for up to $50,000 in grants. This grant increase will be applicable for resale applications submitted on or after 3.30 pm on Feb 14, to be credited into CPF accounts from April 2023 onwards.
| Household Structure | Buying 2- to 4-room Resale Flat | Buying 5-room or larger resale flats |
| SC-SC | $80,000 | $50,000 |
| SC-PR | $70,000 | $40,000 |
Take note that if you’re a SC-PR couple, you’ll get $10,000 less for the grant amount. But you will be able to get it once the PR becomes a citizen, or if you have a child.
#2: Half-Housing Grant
As the name suggests, the grant you’ll get for this housing grant is half of the Family Grant.
Eligibility Conditions
| Eligible For | 1st timer SC applicant with 2nd timer fiance/spouse |
| Income Ceiling | – $14,000 (for couples) – $21,000 (with family members, such as parents) |
| Citizenship | 1 Singapore Citizen The other buyer can be an SC or Permanent Resident (PR) |
| Age | At least 21 y.o. |
| HDB Remaining Lease | More than 20 years |
| Private Property Ownership | – Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application |
| Flat Type | 2-room flat or bigger |
Grant Amount for 2nd timer couples
| Household Structure | Buying 2- to 4-room Resale Flat | Buying 5-room or larger resale flats |
| SC-SC | $40,000 | $25,000 |
#3: Enhanced CPF Housing Grant
Eligibility Conditions
| Eligible For | – 1st timer couple or family – 1st time SC buyer with a fiance/spouse who has previously gotten a housing grant subsidy |
| Employment | Employed during, and at least 12 months (1 year) prior to, the HDB application |
| Income Ceiling | – 1st timer household: $9,000 – 1st timer & 2nd timer couple: $4,500 |
| HDB Remaining Lease | – More than 20 years – Must cover the youngest buyer up to 95 y.o. to qualify for the full EHG amount. Otherwise, it will be pro-rated. |
| Private Property Ownership | – Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application |
| EHG amount | $5,000 – $80,000 |
The EHG amount you will receive will be based on the average gross monthly income that you and your fiance/spouse have gotten for all of the months within the 12-month period before the application. Both incomes will be assessed.
#4: Enhanced CPF Housing Grant (Singles) or Singles Grant
Eligibility Conditions
| Eligible For | – >35 y.o. 1st timer buying as a single – >35 y.o. 1st timer buying with other singles – >35 y.o. 1st timer buying with parents – 21 y.o. (or older) 1st timer buying with non-resident spouse |
| Income Ceiling | – $7,000 (as a single) – $14,000 (with family members or other singles) |
| Citizenship | Singapore Citizen |
| HDB Remaining Lease | More than 20 years |
| Private Property Ownership | – Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application |
Grant Amount
| Household Structure | Buying 2- to 4-room Resale Flat | Buying 5-room or larger resale flats |
| Single SC or SC-non resident | $40,000 | $25,000 |
| Single-Single | $50,000 | $40,000 |
The grants are credited directly into your CPF Ordinary Account as a form of CPF top-up.
#5: Proximity Housing Grant (Family)
If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:
- $30,000 to live with your parents/child
- $20,000 to live near your parents/child (within 4km)
Eligibility Conditions
| Eligible For | Couples or families who have not taken the Proximity Housing Grant (PHG) before |
| Income Ceiling | – Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR) |
| Citizenship | – 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR) |
| Age | At least 21 y.o. |
| HDB Remaining Lease | More than 20 years |
Conditions for buyers living with their parents or within 4km of their parents’ property
This also applies to older couples looking to stay with their married children.
| Criteria | Parents/Married Child | Single Child |
| Age | N.A. | >35 y.o. |
| Citizenship | SC or PR | SC or PR |
Proximity Conditions
- Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).
- Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings
#6: Proximity Housing Grant (Singles)
If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:
- $15,000 to live with your parents/child
- $10,000 to live near your parents/child (within 4km)
Eligibility Conditions
| Eligible For | – >35 y.o. 1st timer buying as a single – >35 y.o. 1st timer buying with other singles – >35 y.o. 1st timer buying with parents – 21 y.o. (or older) 1st timer buying with non-resident spouse |
| Income Ceiling | – $7,000 (as a single) – $14,000 (with family members or other singles) |
| Citizenship | Singapore Citizen |
| HDB Remaining Lease | More than 20 years |
| Flat Type | – Any, for singles living with parents or applicants buying with their non-resident spouse – 2 to 5-room flat, for singles living near parents |
Also, take note: Parents buying their child’s flat will not be eligible for the PHG.
Conditions for buyers living with their parents or within 4km of their parents’ property
This also applies to older couples looking to stay with their married children.
| Criteria | Parents/Married Child | Single Child |
| Age | N.A. | >35 y.o. |
| Citizenship | SC or PR | SC or PR |
Proximity Conditions
- Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).
- Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings.
If you’re eligible for all the HDB grants, this is the maximum HDB grant amount you can get
| Buying as a family | CPF Housing Grant + EHG + PHG: $80,000 + $80,000 + $30,000 = $190,000 |
| Buying as a single | CPF Housing Grant + EHG + PHG: 40,000 + $40,000 + $15,000 = $95,000 |
But knowing the CPF housing grant you’re eligible for may not be enough for you to successfully purchase the flat you’re interested in.
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Frequently Asked Questions on HDB Grants
1. Who can be considered a first-timer applicant?
You will be considered a first-timer applicant if you have not received any housing subsidy from HDB.
2. How do I apply for the EHG?
If eligible, please complete and sign the EHG application form given in your invitation letter and submit it to HDB during your flat booking appointment.
3. How is the grant released to me?
The CPF housing grant will be fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants and no cash disbursement is involved.
4. What is the usage of CPF housing grants?
CPF housing grants can be used to offset the purchase price of a HDB resale flat.
While the Information is considered to be true and correct at the date of publication, changes in circumstances after the time of publication may impact on the accuracy of the Information. The Information may change without notice and Ohmyhome is not in any way liable for the accuracy of any information printed and stored or in any way interpreted and used by a user.
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