How much HDB grant can a first-timer family get in 2026?

A first-timer family buying a resale flat can receive up to $230,000: the CPF Housing Grant for Families (up to $80,000), the Enhanced CPF Housing Grant of up to $120,000 (income-tiered), and the Proximity Housing Grant of up to $30,000.

What is the income ceiling for the Enhanced CPF Housing Grant?

The EHG income ceiling is an average gross monthly household income of $9,000 for families and $4,500 for singles buying alone.

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HDB Grant Calculator

Estimate the CPF housing grants you could receive when buying an HDB resale flat. First-timer families can get up to $230,000; singles up to $115,000.

Who is buying? First-time applicant? Average monthly household income Flat size Living near family?

The three main resale grants (2026)

Grant	Families (max)	Singles 35+ (max)	Key condition
CPF Housing Grant	$80,000 (2-4rm) / $50,000 (5rm+)	$40,000 (2-4rm) / $25,000 (5rm+)	First-timer; income ceiling applies
Enhanced CPF Housing Grant (EHG)	Up to $120,000	Up to $60,000	Income ≤ $9,000 (family) / $4,500 (single); tiered by income
Proximity Housing Grant (PHG)	$30,000 (with) / $20,000 (near)	$15,000 (with) / $10,000 (near)	Live with, or within 4km of, family
Maximum total	$230,000	$115,000	All three stacked, at lowest income tier

How the EHG amount works

The EHG is tiered by income: the lower your average monthly household income, the larger the grant. Families receive the full $120,000 at an average income of $1,500 or below, tapering to $5,000 at the $8,501–$9,000 band. Singles receive up to $60,000, tapering similarly up to $4,500. This calculator shows the maximum you could receive; your actual EHG depends on your exact income tier, confirmed by HDB in your HFE letter.

Good to know

Grants above are for first-timer applicants buying a resale flat. Second-timers generally do not receive these grants (a separate Step-Up Grant may apply in specific cases).
The EHG requires at least 12 continuous months of employment at the point of application.
The Family Grant income ceiling is $14,000 ($21,000 for extended/multi-generation families).
Figures reflect rules effective 20 August 2024 (EHG raised to $120,000) and 14 February 2023 (Family Grant raised to $80,000).

Grant amounts and rules are from HDB and CPF Board, verified 16 July 2026. This tool gives an indicative maximum only; your actual eligibility and amount are confirmed by HDB through your HFE letter. Not financial advice. Sources: hdb.gov.sg and cpf.gov.sg.