Housing Grants Make HDB Flats More Affordable in Singapore Singapore provides substantial housing grants to help first-time buyers and other residents purchase HDB flats more easily. These CPF credits reduce either the purchase price or the loan amount you need to borrow. The grants will continue to be available in 2026 because flat prices stay high and many people still want to buy homes. They support young people who are beginning their homeownership journey including couples and families as well as single buyers. The government designed these grants to make public housing accessible to more Singaporeans. When you receive a housing grant it means you pay less money upfront or take out a smaller mortgage loan. This financial assistance is especially important for people buying their first home who may not have saved large amounts of money yet. Different types of grants exist for different groups of buyers. Some grants target newly married couples while others help families with children or single individuals over a certain age. The amount you receive depends on your income level and the type of flat you want to buy. As property costs remain elevated the grants serve as a crucial bridge between what people can afford & actual market prices. Without this support many young Singaporeans would struggle to enter the property market and achieve their goal of owning a home. The continuation of these grants in 2026 shows the government’s commitment to keeping public housing within reach for ordinary citizens despite economic pressures that push prices upward.
Main Types of Housing Grants
The key housing grants available include the Enhanced CPF Housing Grant (EHG), which applies to both new and resale flats, the CPF Housing Grant that mainly supports resale flat buyers, and the Proximity Housing Grant (PHG) for households living with or near close family members. In most cases, the approved grant amounts are credited directly into your CPF Ordinary Account and used to offset the cost of the flat.
Enhanced CPF Housing Grant (EHG)
The EHG is the largest grant available for first-time buyers. It is structured based on household income, with lower-income families receiving higher support. Eligible households earning up to $9,000 per month can receive grants of up to $120,000. This grant can be used for Build-To-Order (BTO) flats, Sale of Balance Flats, and resale flats.
CPF Housing Grant for Resale Flats
First-time families purchasing resale flats may receive up to $80,000, with higher amounts available for smaller flat types. Eligible singles can receive up to half of the family grant amount. When combined with the Enhanced CPF Housing Grant, resale buyers can benefit from substantial overall support.
Proximity Housing Grant (PHG)
Families buying a resale flat to live together with, or close to, their parents or children can receive up to $30,000 under the Proximity Housing Grant. Singles may receive up to $15,000. This grant encourages multi-generational living and helps families stay connected.
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Eligibility Basics
Applicants must be Singapore citizens, first-time buyers with no prior housing subsidies, meet the applicable income ceilings, and form a valid family nucleus. Eligibility and grant amounts are assessed through the HDB Flat Eligibility (HFE) letter, which provides a clear breakdown of the grants you qualify for.
Maximum Grants for First-Timers
| Grant Category | New HDB Flats (BTO / SBF) | Resale HDB Flats |
|---|---|---|
| Enhanced CPF Housing Grant (EHG) | Up to $120,000 | Up to $120,000 |
| CPF Housing Grant | Not Available | Up to $80,000 |
| Proximity Housing Grant (PHG) | Not Available | Up to $30,000 |
| Total Maximum Support | Up to $120,000 | Up to $230,000 |
Other Helpful Schemes
Seniors or households requiring accessibility features may qualify for enhanced lift and upgrading schemes. Young couples can also benefit from arrangements such as deferred income assessments, which offer greater flexibility when planning a home purchase.
Planning for 2026
With additional BTO launches expected, buyers are encouraged to monitor upcoming sales exercises. While grant structures are expected to remain stable, it is important to verify the latest details on the HDB website. In 2026, resale buyers may receive total housing support of up to $230,000, helping more households achieve home ownership. To confirm your eligibility and grant amounts, apply early for the HFE letter via the HDB Flat Portal and begin your home search with confidence.
