Singapore Housing Grants Make HDB Flats More Affordable Singapore provides substantial housing grants to help first-time buyers and others purchase HDB flats more easily. These CPF credits reduce either your purchase price or your loan amount directly. The grants will continue to be available in 2026 because flat prices stay elevated & buyer demand remains strong. They support young people who are beginning their home ownership journey including couples & families as well as single buyers. The government recognizes that entering the property market can be challenging for many Singaporeans. Housing grants serve as a practical solution to bridge the affordability gap.
Main Types of Housing Grants
The primary grants available include the Enhanced CPF Housing Grant which applies to both new and resale flats. There is also the CPF Housing Grant that is designed mainly for resale properties. Also the Proximity Housing Grant helps those who want to live close to their family members. Most of these grant funds transfer directly to your CPF Ordinary Account where they can be used to pay for your flat purchase.
Enhanced CPF Housing Grant (EHG)
The Enhanced Housing Grant is the largest grant available for first-time homebuyers. The grant amount depends on your household income. Families earning less receive more money. Those with a monthly household income of $9,000 or below can get up to $120000. You can use this grant when buying a Build-To-Order flat or a Sale of Balance flat or a resale flat.
CPF Housing Grant for Resale Flats
CPF Housing Grant for Resale Flats First-time families purchasing resale flats can receive up to $80000 in grants. The amount increases for smaller flats. Singles are eligible for half of what families receive. When you combine this grant with the Enhanced Housing Grant it provides even greater financial assistance for your home purchase.
Proximity Housing Grant (PHG)
A family that purchases a resale flat to live together with their parents or children can receive thirty thousand dollars. Single buyers who make the same choice get fifteen thousand dollars instead. This financial support helps create housing situations where multiple generations live near each other.
Eligibility Basics
You need to be a Singapore citizen and a first-timer who has not received any prior subsidy. You must meet the income ceilings and form a family nucleus. You can apply through the HDB Flat Eligibility letter known as the HFE letter. This letter clearly shows your exact grants.
Maximum Grants for First-Timers
| Grant Category | New Flats (BTO & Similar) | Resale Flats |
|---|---|---|
| Enhanced CPF Housing Grant (EHG) | Up to $120,000 | Up to $120,000 |
| CPF Housing Grant (Family Grant) | Not Available | Up to $80,000 |
| Proximity Housing Grant (PHG) | Not Available | Up to $30,000 |
| Total Combined Grant Amount | Up to $120,000 | Up to $230,000 |
Other Helpful Schemes
Older adults and people who need accessibility improvements can apply for enhanced lift grants. Young couples have access to programs such as deferred income checks.
Planning for 2026
Understanding BTO Launches and Housing Grants in 2026 More BTO launches are scheduled for the coming months. You should review the upcoming sales to see what options are available. The grant amounts have stayed consistent for now. However you need to verify the most current information directly on the HDB website since policies can change. The grants available in 2026 will help many families achieve homeownership. Buyers looking at resale flats can receive up to $230000 in total grants. This substantial amount makes purchasing a home more affordable for eligible applicants. You can determine your specific eligibility and the exact grant amounts you qualify for by submitting an application. Visit the HDB Flat Portal and request your HFE letter today. Getting this letter early gives you a head start when you begin searching for your new home.
