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HDB Grant Eligibility and CPF Housing Grant Amounts for Singaporean Homebuyers (2024)

PropertyGuru Editorial Team
HDB Grant Eligibility and CPF Housing Grant Amounts for Singaporean Homebuyers (2024)
Most prospective homeowners will consider HDB grant eligibility and the amount of CPF housing grants they can get when buying an HDB flat. For first-timers eyeing a flat in Singapore, CPF housing grants will help to make homes more ‘affordable,’ especially if you’re buying a resale flat.
The CPF housing grants (also colloquially known as ‘HDB grants’) are credited into your CPF Ordinary Account (OA) via CPF top-up and must be returned to your CPF account once you sell the flat. From 2020 to 2023, HDB disbursed $4.5 billion in housing grants to buyers of new or resale flats.
With so many CPF Housing Grant eligibility criteria, applying for one can get pretty confusing. With a focus on HDB first-timer grant eligibility and amounts – comprising at least one Singapore Citizen (SC), the other spouse a Singapore Permanent Resident (PR) – we’ll explain in this article everything you need to know about CPF Grants, including BTO grant eligibility and grants for resale flats, and how you can qualify for them.

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Don’t want to wait for a BTO flat and wish to purchase a resale flat instead?

How to Buy an HDB Flat (Watch Video)

Not sure if you’re eligible for an HDB flat? Here’s a quick video on HDB eligibility. Alternatively, you can apply for your HDB Flat Eligibility (HFE) letter, and you will be informed of your HDB eligibility, eligible HDB loan amount and grant amounts (if any). Ready to read about HDB grants? Here’s a table of contents:
  1. Enhanced CPF Housing Grant (Families) (EHG)
  2. CPF Housing Grants for Resale Flats (Families)
  3. Proximity Housing Grant (PHG)
  4. Step-Up CPF Housing Grant (Families) (SUHG)
  5. CPF Housing Grant (Family Grant)

CPF Housing Grant Eligibility for Couples and Families

HDB Housing GrantIt can be used to buy this type of HDB flat
Enhanced CPF Housing Grant (Families) (EHG)BTO and resale flats
CPF Housing Grant for Resale Flats (Families)Resale flats
Proximity Housing Grant (PHG)Resale flats
Step-Up CPF Housing Grant (Families) (SUHG)If you currently own a 2-room flat that was bought from HDB after October 1955 or a resale HDB flat with a CPF Housing Grant, you’re eligible to buy a 3-room BTO or resale flat

If you currently live in a public rental flat, you’re eligible to buy a BTO flat (2-room Flexi or 3-room) and a resale flat (2-room or 3-room)
CPF Housing Grant (Family Grant)Executive Condominium (EC) unit

1. Enhanced CPF Housing Grant (Families) (EHG)

Income ceilingCPF grant calculation amount
Not more than $1,500$80,000
$1,500 to $2,000$75,000
$2,000 to $2,500$70,000
$2,501 to $3,000$65,000
$3,001 to $3,500$60,000
$3,501 to $4,000$55,000
$4,001 to $4,500$50,000
$4,501 to $5,000$45,000
$5,001 to $5,500$40,000
$5,501 to $6,000$35,000
$6,001 to $6,500$30,000
$6,501 to $7,000$25,000
$7,001 to $7,500$20,000
$7,501 to $8,000$15,000
$8,001 to $8,500$10,000
$8,501 to $9,000$5,000
Source: HDB

CPF Housing Grant Eligibility for EHG

Applicant profileHDB first-timer grant eligibility for couples and families who haven’t previously received a CPF Grant
EmploymentOne applicant must’ve worked continuously for at least 12 months before applying for the HFE letter
Remaining lease of the HDB flatMore than 20 years, and long enough to cover the younger spouse up to 95 years old
Existing/recent ownership/interest in Singapore property other than an HDB flatMust not have owned or had an interest in local or overseas private property and

Must not have disposed of private property at least 30 months before applying
Source: HDB

HDB First-timer Grant Eligibility: Who Is Considered a First-timer for HDB Flats?

  • Not the current owner of, hasn’t sold, and hasn’t been a recipient of any CPF Grant for the purchase of a flat bought directly from HDB, a Design, Build & Sell Scheme (DBSS) flat, or an EC bought from the developer
  • Hasn’t sold an HDB flat with re-housing benefits under the Selective En bloc Redevelopment Scheme (SERS), or received other housing subsidies, including enjoying SERS benefits or the privatisation of Housing and Urban Company (HUDC) estate
Interest in property happens when you:
  • Buy a property
  • Obtain it as a gift
  • Inherit it
  • Own, acquire, or dispose of it through an intermediary
Read more about the CPF Housing Grant eligibility conditions for fiancé and fiancées, married couples and/or parent(s) with children (relevant for the Step-Up CPF Housing Grant (SUHG)), multi-generation families, and non-residents (relevant for the Proximity Housing Grant (PHG)).

2. CPF Housing Grant for Resale Flats (Families)

First-timer SC-SC couples
$80,000
$50,000
First-timer SC-SPR couples
$70,000
$40,000
First- and second-timer SC-SC couples
$40,000
$25,000
Source: HDB
Read more about the CPF Housing Grant for Resale Flats (Families) announcements by Mr Lawrence Wong, Deputy Prime Minister and Minister of Finance, during the Budget 2023 statement on 14 February 2023.

CPF Housing Grant Eligibility for Resale Flats (Families)

Applicant profileFirst-timer couples and families, or

First-timer SCs whose spouses previously received CPF Grant
Income ceiling$14,000, or

$21,000 if purchasing with an extended or multi-generation family
Remaining lease of the HDB flatMore than 20 years
Existing/recent ownership/interest in Singapore property other than an HDB flatMust not have owned or had an interest in local or overseas private property and

Must not have disposed of private property at least 30 months before applying for the HFE letter

Must not be buying an HDB flat announced for SERS
Source: HDB

3. Proximity Housing Grant (Families) (PHG)

Living with your parents/child$30,000
Living within 4km of your parents/child$20,000

PHG Eligibility

Applicant profileCouples and families who haven’t previously received the PHG
Remaining lease of the HDB flatMore than 20 years
Existing/recent ownership/interest in Singapore property other than an HDB flatMust not have owned or had an interest in local or overseas private property and

Must not have disposed of private property at least 30 months before applying for the HFE letter
Source: HDB
Read our full review of the PHG.

4. Step-Up CPF Housing Grant (Families) (SUHG)

Applicant profileCouples and families who’ve taken one housing subsidy
Income ceiling$7,000
Remaining lease of the HDB flatMore than 20 years
Existing/recent ownership/interest in Singapore property other than an HDB flatMust not have owned or had an interest in local or overseas private property and

Must not have disposed of private property at least 30 months before applying for the HFE letter
Source: HDB

5. CPF Housing Grant (Family Grant) for Executive Condominiums (ECs)

$10,000 or lower
$30,000
$20,000
$15,000
$10,001 to $11,000
$20,000
$10,000
$10,000
$11,001 to $12,000
$10,000
None
$5,000
Source: HDB
SC-SPR households who apply for the CPF Housing Grant can receive an additional $10,000 when the SPR converts to an SC by applying for the Citizen Top-Up housing subsidy within six months of eligibility.

Looking for Resale HDB Flats/EC Units for Sale?

And that’s it for HDB first-timer grant eligibility and grant amounts you can receive for the different types of HDB flats. If you do not intend to apply for a BTO flat, you can find your dream resale HDB flat or EC unit for sale on PropertyGuru now.
If you have questions about financing your property purchase, contact our friendly and knowledgeable PropertyGuru Finance Mortgage Experts. They can provide tailored financial advice and help you find the best mortgage – all free!
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Disclaimer: The information is provided for general information only. PropertyGuru Pte Ltd makes no representations or warranties in relation to the information, including but not limited to any representation or warranty as to the fitness for any particular purpose of the information to the fullest extent permitted by law. While every effort has been made to ensure that the information provided in this article is accurate, reliable, and complete as of the time of writing, the information provided in this article should not be relied upon to make any financial, investment, real estate or legal decisions. Additionally, the information should not substitute advice from a trained professional who can take into account your personal facts and circumstances, and we accept no liability if you use the information to form decisions.

More FAQS About HDB Grants

Enhanced CPF Housing Grant (EHG), CPF Housing Grant, Singles Grant, Proximity Housing Grant (PHG), Step-Up CPF Housing Grant, and Half Housing Grant.

There are several CPF Housing Grant eligibility criteria you can check on the HDB website. Or you can complete your preliminary HFE letter to check if you're eligible.

Depending on how much your household earns, citizenship status, and type of flat you're buying, eligible first-time buyers of resale flats can get up to $160,000 in housing grants.