What each HDB grant covers (2026)
There are four main CPF housing grants for HDB buyers. Your eligibility depends on your income, household type, citizenship, and the flat you’re buying.
| Grant | Max amount | BTO | Resale | Who gets it |
|---|---|---|---|---|
| EHG (Enhanced CPF Housing Grant) | $120,000 (family) $60,000 (single) | ✓ | ✓ | SC households, income ≤ $9,000 |
| CPF Housing Grant | $80,000 (family) $40,000 (single) | — | ✓ | SC/SPR households buying resale |
| Proximity Housing Grant | $30,000 (family) $15,000 (single) | — | ✓ | Buyer lives with/within 4km of parents or married child |
| Step-Up CPF Housing Grant | $15,000 | — | ✓ | Second-timer families upgrading from subsidised flat |
How are grants used?
CPF housing grants are credited to your CPF Ordinary Account and can be used for:
- Downpayment: Grants can cover the CPF portion of your downpayment (up to 20% for BTO, 20% for HDB loan resale, 20% for bank loan resale — with 5% in cash for bank loans).
- Loan reduction: Any grant amount above your required CPF downpayment automatically reduces your mortgage loan, lowering your monthly instalment.
- Stamp duty and legal fees: CPF savings (including grants) can also cover Buyer’s Stamp Duty and conveyancing fees.
Frequently asked questions
Can I get EHG for a BTO and resale flat?
Yes. The EHG applies to both BTO and resale purchases, as long as your household meets the income ceiling ($9,000 for families, $4,500 for singles) and you’re a Singapore Citizen household.
Do PR households get any grants?
PR households are not eligible for the EHG. However, resale buyers in an SC/SPR household can get the CPF Housing Grant (at a reduced amount compared to a full SC household). Two PRs buying together get no grants at all.
What counts as “near parents” for the Proximity Grant?
You (or your spouse) must live within 4km of your parents’ or married child’s HDB flat or private property. HDB uses the straight-line distance between blocks.
Can second-timers still get grants?
Yes. Second-timer families upgrading from a subsidised flat to a resale flat can receive the Step-Up CPF Housing Grant of $15,000. You must be a Singapore Citizen household and have previously taken an HDB housing subsidy.
Do I have to pay back the grants?
Not directly. But if you sell your flat, the grant amount (with accrued CPF interest) goes back into your CPF Ordinary Account. You can use it for your next property, so it stays as part of your retirement savings.