Seems like you have a quite a complex situation, but there are lots of info missing.
1) Selling of current flat: No mentioning of current flat type, location and when was bought. Difficult to assess whether your idea can work.
2) Getting new flat: upgrading of size, location etc, possible budget. BTO or resale etc are all different situation.
3) Reason of changing current residence property. Selling and buying seems an simple task, but lots of implication might occur. Selling and buying might not help in different situation.
4) Grant: Using your mom & your name can apply under public scheme. Grants are only used for resale flat purchase. You could possible eligible for under current situation:
(i) Half-Housing Grant: $25k (2~4-rm), $20k (5-rm & bigger)
You are not eligible for the rest of the grant, including EHG, since your combined income is $6k.
This grant amount can be use for 10% downpayment under HDB loan or 25% downpayment under private bank loan.
5) Loan amount: under MSR assessment, only 30% of total income can use for mortgage servicing. Assume no credit issue, no other loan etc, highest possible loan amount is around $300+k. And loan tenure as a guide is dependent on how old is yuor mom.
6) You have to register as owner in order to assist in servicing the loan with CPF.
7) Last but not least, you have to understand the implication of getting grant and the decision of purchase flat with your mom. Your priviledge will be deprived you from getting higher grant in future. And there is a resale levy (e.g. $20k for 4-rm flat if you own 50% of the flat) to be paid when you sell your share in latter, when you purchase BTO with spouse.
Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at 90110636
, or email: firstname.lastname@example.org if more information is needed.
I'll be glad to assist.
Ling CK 90110636
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Whereas the EHG grants can be public scheme (meaning family nuclear)
Is that right ?