Skip to content
lookup.sg

CPF Housing Grant Calculator: EHG, PHG & HDB Grants

Free · No sign-up · Updated October 2026
Add up your HDB grants: Enhanced CPF Housing Grant (up to S$120,000), CPF Housing Grant for resale flats and Proximity Housing Grant, on HDB's tiers.
Who is buying

First-timer: never owned an HDB flat or received a housing subsidy. Singapore citizen households.

Flat
Flat size
S$

Average over the 12 months before your HFE letter application, before CPF

Living with or near parents (or a child)?

EHG by household income

Your band is highlighted.

  1. Up to S$1,500S$120,000
  2. S$1,501 to S$2,000S$110,000
  3. S$2,001 to S$2,500S$105,000
  4. S$2,501 to S$3,000S$95,000
  5. S$3,001 to S$3,500S$90,000
  6. S$3,501 to S$4,000S$80,000
  7. S$4,001 to S$4,500S$70,000
  8. S$4,501 to S$5,000S$65,000
  9. S$5,001 to S$5,500S$55,000
  10. S$5,501 to S$6,000S$50,000
  11. S$6,001 to S$6,500S$40,000
  12. S$6,501 to S$7,000S$30,000
  13. S$7,001 to S$7,500S$25,000
  14. S$7,501 to S$8,000S$20,000
  15. S$8,001 to S$8,500S$10,000
  16. S$8,501 to S$9,000S$5,000

EHG needs at least one buyer to have worked continuously for 12 months and be working when you apply. For a resale flat whose remaining lease can't cover the youngest buyer to age 95, the EHG is pro-rated. Your HFE letter states the grants HDB will give you.

Total CPF housing grants

S$130,000

Credited to your CPF Ordinary Account (or deducted from a new flat's price).
Enhanced CPF Housing Grant (EHG)
S$50,000
CPF Housing Grant (Family)2 to 4-room resale flat
S$80,000

How this works

Enhanced CPF Housing Grant (EHG): for first-timers buying a new or resale flat, on a sliding scale by average gross monthly household income over the past 12 months. Families get up to S$120,000 (income up to S$1,500), falling in S$500 income bands to S$5,000 at S$8,501 to S$9,000. Singles aged 35 and over get up to S$60,000 on their own income, down to S$2,500 at S$4,251 to S$4,500. A first-timer and second-timer couple gets the singles amount based on half the household income. These tiers apply from 20 August 2024.

CPF Housing Grant for resale flats: S$80,000 for first-timer families buying a 2 to 4-room flat or S$50,000 for 5-room or bigger, with a household income ceiling of S$16,000. Singles get S$40,000 or S$25,000, with an S$8,000 ceiling. First-timer and second-timer couples get half the family grant. The higher ceilings apply to HFE letter applications from 24 August 2026.

Proximity Housing Grant (resale only, no income ceiling): S$30,000 for families who live with their parents or child, S$20,000 within 4 km; S$15,000 and S$10,000 for singles. The Step-Up CPF Housing Grant (S$15,000) is for second-timer families moving up from a 2-room or public rental flat, subject to HDB's conditions. Amounts are for Singapore citizen households; your HFE letter confirms the final figure.

FAQs

How much HDB grant can I get for a resale flat?

Up to S$230,000 for a first-timer family: S$120,000 EHG, S$80,000 CPF Housing Grant for a 2 to 4-room flat and S$30,000 Proximity Housing Grant. A family earning S$6,000 a month buying a 4-room resale flat gets S$50,000 EHG plus S$80,000 CPF Housing Grant, S$130,000 in total, before any proximity grant.

What is the income ceiling for the EHG?

S$9,000 average monthly household income for families and S$4,500 for singles. It did not change with the August 2026 income ceiling increase, which raised the ceilings for buying a flat and for the resale CPF Housing Grant to S$16,000 (S$8,000 for singles).

How much EHG do I get on a S$7,000 household income?

S$30,000. Families earning S$6,501 to S$7,000 a month receive S$30,000 under the EHG, for a new or resale flat.

Can I get the Proximity Housing Grant for a BTO flat?

No. The PHG is only for resale flats: S$30,000 if you live with your parents or child, S$20,000 if you live within 4 km of them (S$15,000 and S$10,000 for singles). BTO buyers near their parents can apply under priority schemes instead.

Sources