HDB grant amounts in 2026
- Four grants exist: the EHG, the CPF Housing Grant for Resale Flats, the Proximity Housing Grant and the Step-Up Grant.
- Maximum for a first-timer family: $230,000 on resale, $120,000 on a new flat.
- Maximum for a first-timer single: $115,000 on resale, $60,000 on a new flat.
- Second-timers can claim two grants only, to a maximum of $45,000.
- Only the Proximity Housing Grant has no income ceiling.
The four maximums HDB publishes
HDB states four headline totals rather than leaving buyers to add the grants up, and these are the numbers to compare a quoted figure against.
| Buyer | New flat from HDB | Resale flat |
|---|---|---|
| First-timer couple or family | $120,000 | $230,000 |
| First-timer single | $60,000 | $115,000 |
| Second-timer family | $15,000 | $45,000 |
First-timer totals: HDB / MyNiceHome — CPF housing grants for HDB flat buyers, read 20 August 2026. The second-timer row is computed on this site as the Step-Up Grant plus the Proximity Housing Grant at its live-together rate.
Almost nobody reaches these. The resale family maximum requires the lowest EHG income band, a 2- to 4-room flat and moving in with a parent simultaneously — a household on the lowest band is unlikely to be buying at all three conditions at once.
Every grant, side by side
This is the whole grant system in one view: what each pays, who it is for, and where it applies.
| Grant | Families | Singles | New flat | Resale | Buyer status |
|---|---|---|---|---|---|
| Enhanced CPF Housing Grant | Up to $120,000 | Up to $60,000 | Yes | Yes | First-timer |
| CPF Housing Grant for Resale Flats | Up to $80,000 | Up to $40,000 | No | Yes | First-timer |
| Proximity Housing Grant | Up to $30,000 | Up to $15,000 | No | Yes | Either |
| Step-Up CPF Housing Grant | $15,000 | Not eligible | Yes | Yes | Second-timer |
Amounts from the sources block at the foot of this page, each with its own authority and verification date.
The CPF Housing Grant depends on flat size
This is the one grant that changes with the flat you buy, and getting it wrong overstates a 5-room buyer's grant by $20,000 to $30,000.
| Household | 2- to 4-room resale | 5-room or bigger |
|---|---|---|
| Two Singapore Citizens | $80,000 | $50,000 |
| Singapore Citizen + Permanent Resident | $60,000 | $40,000 |
| Single Singapore Citizen | $40,000 | $25,000 |
Source: HDB / MyNiceHome — CPF housing grants for HDB flat buyers, read 20 August 2026. For a single buyer the grant reaches a 5-room resale flat and no further.
The Proximity Housing Grant depends on distance
The Proximity Housing Grant pays more for living in the same flat as a parent or married child than for living near one — a gap of $10,000 for a family.
| Living arrangement | Families | Singles |
|---|---|---|
| Living with parents or a married child, in the same flat | $30,000 | $15,000 |
| Living within 4km of them | $20,000 | $10,000 |
Amounts and the distance threshold: CPF Board, re-read on HDB's grants guide on 20 August 2026. See the sources block below.
Income ceilings, grant by grant
Each grant sets its own ceiling, and they are far enough apart that a household can clear one and fail the next.
| Grant | Families | Singles |
|---|---|---|
| Enhanced CPF Housing Grant | $9,000 | $4,500 |
| CPF Housing Grant for Resale Flats | $14,000 | $7,000 |
| Step-Up CPF Housing Grant | $7,000 | Not eligible |
| Proximity Housing Grant | No ceiling | No ceiling |
Ceilings from HDB's grants guide and HDB's Step-Up grant page, both read 20 August 2026. Income is assessed as an average gross monthly household figure over a 12-month window, not on your current payslip.
What stacks with what
Stacking is decided by first-timer status and by purchase route, not by choice.
| Household | New flat from HDB | Resale flat |
|---|---|---|
| First-timer | EHG only | EHG + CPF Housing Grant + Proximity Housing Grant |
| Second-timer | Step-Up Grant only | Step-Up Grant + Proximity Housing Grant |
| Permanent Residents only | Not eligible for a flat from HDB | No CPF housing grants |
Compiled on this site from each grant's published conditions. The Step-Up Grant's own conditions restrict the flat being bought to a 2- or 3-room flat; see the Step-Up page.
The Enhanced CPF Housing Grant and the CPF Housing Grant for Resale Flats are both first-timer grants, so no household chooses between the Step-Up Grant and either of them. A second-timer simply cannot claim them.
Frequently asked questions
What is the maximum HDB grant in 2026?
HDB states that eligible first-timer families can receive up to $230,000 in grants on a resale flat and up to $120,000 on a new flat bought from HDB. For singles the equivalents are $115,000 and $60,000.
Which HDB grants can be combined?
On a resale flat a first-timer household can stack the Enhanced CPF Housing Grant, the CPF Housing Grant for Resale Flats and the Proximity Housing Grant. On a new flat from HDB the EHG is the only grant a first-timer receives. A second-timer household can stack the Step-Up Grant and the Proximity Housing Grant.
Which HDB grants have income ceilings?
The Enhanced CPF Housing Grant has a $9,000 family ceiling and $4,500 for singles. The CPF Housing Grant for Resale Flats has $14,000 and $7,000. The Step-Up Grant has $7,000. The Proximity Housing Grant has no income ceiling at all.
Do HDB grants have to be repaid?
Grants are credited to your CPF Ordinary Account rather than paid in cash, and they are returned to your CPF with accrued interest when you sell the flat. They reduce the cash and loan you need up front, not the long-run cost of the flat.
Which grants can a second-timer claim?
Only two: the Step-Up CPF Housing Grant of $15,000, and the Proximity Housing Grant. The Enhanced CPF Housing Grant and the CPF Housing Grant for Resale Flats are both first-timer grants.
Each grant in detail
- Enhanced CPF Housing Grant 2026 — the income-tiered grant, and the largest.
- CPF Housing Grant for Resale Flats 2026 — the flat-size tiers in full.
- Proximity Housing Grant 2026 — the only grant with no income ceiling.
- Step-Up CPF Housing Grant 2026 — the second-timer grant, and the one most often described backwards.
- HDB grants for singles 2026 — every grant at the singles rate.
- CPF grant calculator — check a specific household against all four at once.
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.
- CPF Housing Grant income ceiling, couples and families; CPF Housing Grant income ceiling, singles; Largest flat a single may claim the CPF Housing Grant on; CPF Housing Grant, two Singapore Citizens, 5-room / 3Gen / Executive resale; CPF Housing Grant, two Singapore Citizens, 2- to 4-room resale; CPF Housing Grant, SC/PR household, 5-room / 3Gen / Executive resale; CPF Housing Grant, SC/PR household, 2- to 4-room resale; CPF Housing Grant, single Singapore Citizen, 5-room / 3Gen / Executive resale; CPF Housing Grant, single Singapore Citizen, 2- to 4-room resale; Maximum housing grants, first-timer family buying a new flat from HDB; Maximum housing grants, first-timer single buying a new flat from HDB; Maximum housing grants, first-timer family buying resale; Maximum housing grants, first-timer single buying resale — HDB / MyNiceHome — HDB grants guide verified 2026-06-27
- EHG income ceiling, families; EHG income ceiling, singles; Enhanced CPF Housing Grant maximum, families; Enhanced CPF Housing Grant maximum, singles; Proximity Housing Grant, family living within 4km; Proximity Housing Grant, single living within 4km; Proximity Housing Grant distance threshold; Proximity Housing Grant, family living with parents or child; Proximity Housing Grant, single living with parents or child — CPF Board — A guide to the Enhanced CPF Housing Grant and Proximity Housing Grant verified 2026-06-27
- Step-Up CPF Housing Grant income ceiling; Step-Up CPF Housing Grant, second-timer families — HDB — Step-Up CPF Housing Grant (Families) verified 2026-08-20