Enhanced CPF Housing Grant (EHG) 2026
- The EHG is worth up to $120,000 for families and up to $60,000 for singles.
- It is income-tested. Families above $9,000 a month and singles above $4,500 a month get nothing.
- The amount steps down in $500 income bands, from the maximum at the bottom to $45,000 (families) or $22,500 (singles) at the ceiling.
- It applies to both new flats bought from HDB and resale flats — the only one of the four main grants that does.
- It is credited to your CPF Ordinary Account, not paid in cash, and is repayable with accrued interest when you sell.
What is the Enhanced CPF Housing Grant?
The Enhanced CPF Housing Grant (EHG) is the largest housing subsidy the Singapore government gives first-time flat buyers. It is worth up to $120,000 for a family and up to $60,000 for a single buyer, it scales with your household income, and it applies to a new flat from HDB and to a resale flat alike. It replaced the older Additional CPF Housing Grant and Special CPF Housing Grant.
Two things make it different from every other grant on this site. First, it is income-tested on a sliding scale rather than being a flat amount — two couples buying the same flat can receive amounts that differ by tens of thousands of dollars purely because one earns less. Second, it is not tied to the resale market: a couple collecting keys to a BTO flat and a couple buying a 30-year-old resale flat can both claim it.
How much EHG will you get in 2026?
Your EHG is set by your average gross monthly household income, assessed in $500 bands. The maximum goes to the lowest band and the amount falls as income rises, reaching $45,000 for families and $22,500 for singles in the top qualifying band.
EHG amounts for families
These per-band amounts are our estimates, not an official HDB table: HDB publishes only the maximum and the income ceiling, and confirms your exact grant in your HFE letter. See our editorial policy.
| Average Monthly Household Income | EHG Amount |
|---|---|
| $1,500 or less | $120,000 |
| $1,501 – $2,000 | $115,000 |
| $2,001 – $2,500 | $110,000 |
| $2,501 – $3,000 | $105,000 |
| $3,001 – $3,500 | $100,000 |
| $3,501 – $4,000 | $95,000 |
| $4,001 – $4,500 | $90,000 |
| $4,501 – $5,000 | $85,000 |
| $5,001 – $5,500 | $80,000 |
| $5,501 – $6,000 | $75,000 |
| $6,001 – $6,500 | $70,000 |
| $6,501 – $7,000 | $65,000 |
| $7,001 – $7,500 | $60,000 |
| $7,501 – $8,000 | $55,000 |
| $8,001 – $8,500 | $50,000 |
| $8,501 – $9,000 | $45,000 |
| Above $9,000 | $0 |
EHG amounts for singles
Singles buying under the Single Singapore Citizen Scheme receive exactly half the family amount in each band, and are assessed against half the family income ceiling.
These per-band amounts are our estimates, not an official HDB table: HDB publishes only the maximum and the income ceiling, and confirms your exact grant in your HFE letter. See our editorial policy.
| Average Monthly Income | EHG Amount |
|---|---|
| $750 or less | $60,000 |
| $751 – $1,000 | $57,500 |
| $1,001 – $1,250 | $55,000 |
| $1,251 – $1,500 | $52,500 |
| $1,501 – $1,750 | $50,000 |
| $1,751 – $2,000 | $47,500 |
| $2,001 – $2,250 | $45,000 |
| $2,251 – $2,500 | $42,500 |
| $2,501 – $2,750 | $40,000 |
| $2,751 – $3,000 | $37,500 |
| $3,001 – $3,250 | $35,000 |
| $3,251 – $3,500 | $32,500 |
| $3,501 – $3,750 | $30,000 |
| $3,751 – $4,000 | $27,500 |
| $4,001 – $4,250 | $25,000 |
| $4,251 – $4,500 | $22,500 |
| Above $4,500 | $0 |
The EHG income ceiling
The EHG has its own income ceiling, separate from the income ceiling that decides whether you may buy a flat at all. Both ceilings are shown below.
| Buyer type | EHG income ceiling | Grant at the lowest band | Grant at the ceiling |
|---|---|---|---|
| Family (couple or family nucleus) | $9,000 / month | $120,000 | $45,000 |
| Single, Single Singapore Citizen Scheme | $4,500 / month | $60,000 | $22,500 |
Grant maximums and income ceilings: CPF Board. See the sources block at the foot of this page for the exact source and verification date of each figure.
Income is assessed as an average over an assessment window, not on a single month, so one unusually good month does not by itself put you over the ceiling — and one unusually bad month will not lift your grant.
Two qualifications on that table. The $9,000 family ceiling applies to families with at least two first-timer applicants; a first-timer applying together with a second-timer is assessed against the halved ceiling of $4,500 instead. And a single buying with other first-timer singles, or buying a resale flat together with their parents, is assessed against $9,000 rather than $4,500. Income is assessed on the average gross monthly household income over the past 12 months, counting every applicant and occupier.
Who qualifies for the EHG
The EHG is open to buyers who meet all of the following, as published by HDB and the CPF Board:
- You are a Singapore Citizen, and at least one other applicant is a Singapore Citizen or Permanent Resident.
- Your average gross monthly household income is at or below $9,000 for a family, or $4,500 for a single buyer.
- You or your spouse have been in continuous employment for 12 months before the flat application, and are still employed at the point of application. Singles face the same 12-month requirement.
- The flat's remaining lease covers the youngest buyer to at least age 95. A shorter remaining lease reduces the grant pro-rated.
- You hold a valid HDB Flat Eligibility (HFE) letter before you commit to a flat.
A worked example: a couple earning $4,000 a month
Consider a first-timer Singapore Citizen couple with a combined average gross income of $4,000 a month, buying a 4-room resale flat within 4km of one set of parents.
| Component | Amount | Why |
|---|---|---|
| EHG | $95,000 | Their income falls in the $3,501–$4,000 band of the EHG table above |
| CPF Housing Grant | $80,000 | Two Singapore Citizens buying a 4-room resale flat |
| Proximity Housing Grant | $20,000 | Living within 4km of parents, not with them |
| Total grants | $195,000 | All three are credited to the CPF Ordinary Account |
This is a worked example computed on this site from the figures in the sources block below. It is not an official HDB table, and it is not a quotation of your entitlement — HDB confirms that in your HFE letter.
Had the same couple moved in with their parents rather than nearby, the Proximity Housing Grant would have been $30,000 instead of $20,000. Had they earned $1,500 or less, the EHG alone would have been the full $120,000.
How the EHG stacks with the other grants
The EHG is the base layer of the grant stack, not the whole of it. On a resale flat it can be combined with the CPF Housing Grant and the Proximity Housing Grant; on a new flat from HDB it generally stands alone, because the other two are resale-only.
| Grant | Maximum, families | New flat from HDB | Resale flat |
|---|---|---|---|
| Enhanced CPF Housing Grant | $120,000 | Yes | Yes |
| CPF Housing Grant | $80,000 | No | Yes |
| Proximity Housing Grant | $30,000 | No | Yes |
| Step-Up CPF Housing Grant | $15,000 | Second-timers only | No |
Grant maximums: CPF Board and HDB. See the sources block at the foot of this page for the exact source and verification date of each figure.
Stacking the first three at their maximums is where the widely quoted $230,000 figure comes from. Very few households hit all three maximums at once: it needs a family at the very bottom income band, buying a small resale flat, and moving in with parents.
How the EHG is paid, and what happens if you sell
The EHG never reaches your bank account. It is credited to your CPF Ordinary Account and applied against the flat's purchase price, reducing the loan you need rather than the cash you need on completion day.
When you sell the flat, the grant goes back into your CPF Ordinary Account together with the accrued interest it would have earned had it stayed there. That refund is not a penalty — the money is still yours, and you can use it for your next property — but it does mean the grant is not free equity you can cash out. Our CPF usage guide works through what that means for a sale.
The resale levy is the related trap: taking a housing grant on your first subsidised flat is what makes you liable for a levy on your second.
How to apply
You do not apply for the EHG separately. It is assessed as part of your flat application, in this order:
- Apply for an HDB Flat Eligibility (HFE) letter through the HDB Flat Portal. This is the step that tells you your actual grant amount.
- Wait for the HFE outcome before committing to a flat or paying an option fee. HDB assesses your income, citizenship, first-timer status and employment in one pass.
- Apply for the flat — a sales exercise for a new flat, or an Option to Purchase for a resale flat.
- The grant is credited to your CPF Ordinary Account at completion and applied to the purchase price.
Check your likely entitlement first with our CPF grant calculator, then confirm it against your HFE letter. Where the two disagree, the HFE letter is right — it is the only assessment HDB is bound by.
Frequently asked questions
How much is the Enhanced CPF Housing Grant in 2026?
The EHG is worth up to $120,000 for eligible first-timer families and up to $60,000 for eligible singles. The amount falls as household income rises, in $500 income bands. Families earning more than $9,000 a month, and singles earning more than $4,500 a month, do not qualify at all.
What is the EHG income ceiling?
The EHG income ceiling is $9,000 in average gross monthly household income for families and $4,500 for singles buying under the Single Singapore Citizen Scheme. Income is assessed as an average, so a bonus month does not by itself disqualify you.
Can I get the EHG on a resale flat?
Yes. Unlike the CPF Housing Grant and the Proximity Housing Grant, which are resale-only, the EHG applies to both a new HDB flat bought directly from HDB and a resale flat bought on the open market.
Is the EHG paid in cash?
No. The EHG is credited to your CPF Ordinary Account and used against the purchase price. It is not cash in hand, and if you later sell the flat the grant must be returned to your CPF Ordinary Account with accrued interest.
Can the EHG be stacked with other HDB grants?
Yes. On a resale flat a first-timer family can receive the EHG of up to $120,000, the CPF Housing Grant of up to $80,000 and the Proximity Housing Grant of up to $30,000, which is where the widely quoted $230,000 maximum comes from.
Related pages
- Every HDB grant amount in 2026 — all four grants, every ceiling, in one table.
- CPF Housing Grant for Resale Flats 2026 — the grant that stacks on top of the EHG.
- HDB grants for singles 2026 — every grant at the singles rate.
- Step-Up CPF Housing Grant 2026 — what a second-timer gets instead.
Sources for the figures on this page
Every figure above is taken from the source named here on the date shown. Figures marked as estimates are reconstructed, not published by the authority.
- EHG income ceiling, families; EHG income ceiling, singles; EHG continuous employment period before flat application; EHG by income band, families; Enhanced CPF Housing Grant lowest band, families; Enhanced CPF Housing Grant maximum, families; EHG by income band, singles; Enhanced CPF Housing Grant lowest band, singles; Enhanced CPF Housing Grant maximum, singles; Proximity Housing Grant, family living within 4km; Proximity Housing Grant distance threshold; Proximity Housing Grant, family living with parents or child — CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant verified 2026-06-27 includes estimated figures
- CPF Housing Grant, two Singapore Citizens, 2- to 4-room resale; Maximum housing grants, first-timer family buying resale — HDB / MyNiceHome — HDB grants guide verified 2026-08-20
- Step-Up CPF Housing Grant, second-timer families — HDB — Step-Up CPF Housing Grant (Families) verified 2026-08-20