Disclaimer (Block 1): This article is for educational purposes only and is intended to assist CEA-registered property agents in understanding regulatory frameworks. It does not constitute financial, tax, or legal advice. LEVR's calculations are indicative only. Always verify rates and eligibility with your bank, HDB, CPF Board, or a licensed financial advisor before advising clients.
CPF Housing Grants for Resale Flats: Overview
CPF housing grants are cash grants credited into the buyer’s CPF Ordinary Account (OA) to help eligible Singaporeans and PRs purchase HDB resale flats. The grants reduce the effective purchase price by increasing the buyer’s CPF OA balance available for the downpayment and mortgage servicing.
As at Q2 2026, the main CPF housing grants available for HDB resale flat purchases are:
- Enhanced CPF Housing Grant (EHG) — income-tested grant for first-timer families and singles purchasing any flat type
- Family Grant — flat-type-based grant for first-timer families purchasing resale flats
- Half-Housing Grant — for households with one first-timer and one second-timer applicant
- Singles Grant — for eligible singles purchasing resale flats of 4-room or smaller
- Proximity Housing Grant (PHG) — for buyers purchasing a resale flat to live near (within 4km) or with their parents or married child
Grants are not available for the purchase of new HDB BTO flats (which are priced with an implicit subsidy already applied) but are specifically available for resale flat purchases.
Enhanced CPF Housing Grant (EHG)
The EHG is the primary income-tested grant for HDB resale flat purchases. It replaced the Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG) in 2019.
EHG for First-Timer Families
First-timer families (both applicants applying for their first HDB flat) with a combined gross monthly household income of up to $9,000 may be eligible for the EHG. The grant quantum is tiered by income:
- $1,500 to $80,000 depending on the household’s average gross monthly income over the 12 months prior to application — lower income households receive a higher grant
- Maximum EHG of $80,000 for households with a monthly income of $1,500 or below
- EHG reduces to $0 for households with a monthly income above $9,000
EHG for Singles
Single first-timer Singapore Citizens purchasing a 4-room or smaller resale flat under the Single Singapore Citizen (SSC) scheme are eligible for a scaled-down EHG:
- Maximum EHG of $40,000 for singles with a monthly income of $750 or below
- Income ceiling: $4,500 per month for single applicants
EHG Eligibility Conditions
- At least one applicant must be a Singapore Citizen (SPR households are not eligible for EHG)
- Applicants must be first-timers — neither applicant has previously received a CPF housing grant or owned an HDB flat or private residential property
- Must be continuously employed for at least 12 months before the HDB flat application (salaried or self-employed)
- The resale flat purchased must have a remaining lease of at least 20 years that can cover the youngest buyer to age 95
Family Grant
The Family Grant is a flat-type-based grant for first-timer families purchasing resale flats. It is available in addition to the EHG (both can be received simultaneously).
- $50,000 for families purchasing a 2-room or 3-room resale flat
- $40,000 for families purchasing a 4-room or larger resale flat
- If one applicant is an SPR, the Family Grant is halved:$25,000 (2/3-room) or $20,000 (4-room or larger)
Income ceiling for the Family Grant: combined gross monthly household income must not exceed $14,000.
Half-Housing Grant
Where one applicant is a first-timer and one is a second-timer, the household receives half the standard Family Grant:
- $25,000 for a 2-room or 3-room resale flat
- $20,000 for a 4-room or larger resale flat
The first-timer applicant in such a household may still be eligible for the EHG based on their individual income.
Singles Grant
Singapore Citizens purchasing a resale flat alone or jointly with another single SC under the Joint Singles Scheme (JSS) may receive the Singles Grant:
- $25,000 for a 2-room or 3-room resale flat
- $20,000 for a 4-room resale flat (5-room and larger are not eligible for the Singles Grant)
Income ceiling for singles: gross monthly income must not exceed $7,000 per applicant.
Proximity Housing Grant (PHG)
The PHG encourages multi-generational living by providing a grant to buyers who purchase a resale flat near or with their parents or married child.
- $30,000 for buyers purchasing a resale flat to live with parents or married child (same flat)
- $20,000 for buyers purchasing a resale flat to live near parents or married child (within 4km)
The PHG is available to both first-timers and second-timers (unlike the EHG and Family Grant, which are restricted to first-timers). The proximity requirement is assessed at the time of flat purchase and the buyer must continue to meet the proximity condition for the duration of the MOP.
Agent note: The PHG is a commonly overlooked grant. When a buyer is purchasing a resale flat near or with family, always confirm whether the PHG applies — it can add $20,000 to $30,000 to the buyer’s CPF OA, directly reducing the mortgage quantum needed.
Conditions Attached to CPF Housing Grants
All CPF housing grants come with conditions that run with the flat:
- Minimum Occupation Period (MOP): The grant recipient must occupy the flat as their principal residence for at least 5 years from the date of flat purchase (or 10 years for PLH flats). The flat cannot be sold or rented out in full during this period.
- No private property during MOP: Grant recipients cannot own or have an interest in any private residential property during the MOP
- CPF refund on sale: When the flat is eventually sold, the grant amount (along with all CPF used for the purchase) must be refunded to the buyer’s CPF OA, with accrued interest at the CPF OA rate (currently 2.5% per annum)
Stacking Multiple Grants
Eligible buyers can receive multiple grants simultaneously. For example, a first-timer SC family purchasing a 4-room resale flat near their parents could receive:
- EHG (up to $80,000 depending on income)
- Family Grant ($40,000 for 4-room)
- PHG ($20,000 for proximity)
The total grant amount in such a scenario could reach up to $140,000 — a significant contribution to the downpayment and effective purchase price. Agents should confirm the full grant entitlement before the buyer forms a view on affordability.
Using LEVR After Grant
After confirming a buyer’s total grant entitlement, agents can use LEVR’s Home Loan Calculator to model mortgage repayments on the effective purchase price (after grant). The grant increases the CPF OA balance available for the initial downpayment or monthly CPF contribution to loan servicing — reducing the cash outlay required.
Disclaimer (Block 3): LEVR's calculator outputs are estimates based on inputs provided and current regulatory parameters as known at time of publication. They are not a guarantee of borrowing capacity, stamp duty liability, or CPF eligibility. Regulatory thresholds and rates may change. Always verify with IRAS, your bank, or a licensed financial advisor before making financial decisions.