HDB Grants 2026: Every Grant, Every Eligibility Condition

By Winfred Quek · CEA R073319H · 10 minute read · Last reviewed May 2026

Quick answer: There are five main HDB housing grants in 2026. A first time SC+SC couple buying resale near parents can stack up to $230,000 in grants (EHG $120K + Family Grant $80K + PHG $30K). All grants are credited to CPF OA not cash and must be refunded with accrued interest when you sell.

Facts verified: May 2026 · Sources linked below

Grant 1: Enhanced CPF Housing Grant (EHG)

The EHG is the flagship first timer grant. It replaced the Additional CPF Housing Grant and Special CPF Housing Grant in September 2019. Key features:

Applies to both BTO and resale purchases
At least one applicant must be a Singapore Citizen
At least one applicant must have worked continuously for 12 months before application and still be employed
Average gross monthly household income ≤ $9,000/month
Cannot own or have disposed of any private property in the last 30 months
Must not have received any CPF housing grant before (first timer)

Average Monthly Income	EHG Quantum
$1,500 and below	$120,000
$1,501 to $2,000	$115,000
$2,001 to $2,500	$110,000
$2,501 to $3,000	$105,000
$3,001 to $3,500	$100,000
$3,501 to $4,000	$95,000
$4,001 to $4,500	$90,000
$4,501 to $5,000	$85,000
$5,001 to $5,500	$80,000
$5,501 to $6,000	$75,000
$6,001 to $6,500	$65,000
$6,501 to $7,000	$55,000
$7,001 to $7,500	$45,000
$7,501 to $8,000	$35,000
$8,001 to $8,500	$25,000
$8,501 to $9,000	$15,000
Above $9,000	Not eligible

Grant 2: Family Grant (Resale Only)

The Family Grant is available only for resale HDB purchases. It supports families buying a flat on the open market. Eligibility:

First timer applicants only (at least one applicant must be a first timer)
Household income ≤ $14,000/month
Singapore Citizen applicant (at minimum one SC must be in the application)
Buying a resale flat (not BTO)

Household Type	Family Grant Quantum
SC + SC (both first timers)	$80,000
SC + SPR (both first timers)	$40,000
First timer + second timer (SC+SC)	$40,000
First timer + second timer (SC+SPR)	$20,000

Grant 3: Half Housing Grant

The Half Housing Grant applies when one applicant is a second timer (has previously received a CPF housing grant or owned an HDB flat). The second timer receives half the Family Grant quantum, and the first timer receives the full grant.

SC + SC couple where one is second timer: $40,000 to the first timer
SC + SPR couple where one is second timer: $20,000 to the first timer

Grant 4: Proximity Housing Grant (PHG)

The PHG incentivises multi generational living near family. Available for resale purchases only.

$30,000 if buying a resale flat within 4 km of parents' or child's HDB flat (to live near)
$20,000 if buying a resale flat to live with parents or child (within the same flat not applicable to a separate purchase)
Income ceiling: ≤$14,000/month household
At least one applicant must be a Singapore Citizen

Grant 5: Step Up CPF Housing Grant (SUG)

The Step Up Grant supports second timer households in public rental who want to purchase their first owned flat. Quantum: $15,000. Eligibility: must be living in a 1- or 2 room public rental flat and be purchasing a 2 room Flexi or 3 room BTO flat. This grant is specifically for households graduating from rental housing to ownership.

Master Eligibility Matrix

Grant	BTO?	Resale?	First Timer Required?	Income Ceiling	Max Quantum
EHG	Yes	Yes	Yes	$9,000/month	$120,000
Family Grant	No	Yes	Yes (at least one)	$14,000/month	$80,000 (SC+SC)
Half Housing Grant	No	Yes	Mixed (one second timer)	$14,000/month	$40,000
PHG	No	Yes	No	$14,000/month	$30,000
Step Up Grant	Yes (2 to 3 room only)	No	Second timer (rental)	$7,000/month	$15,000

Maximum Grant Stack by Household Profile

Buyer Profile	Purchase Type	Max Grants Stackable	Total Max
SC+SC first timers, income $4K, near parents	Resale	EHG $90K + Family $80K + PHG $30K	$200,000
SC+SC first timers, income $2K, near parents	Resale	EHG $115K + Family $80K + PHG $30K	$225,000
SC+SC first timers, income $1.5K, near parents	Resale	EHG $120K + Family $80K + PHG $30K	$230,000
SC+SC first timers, income $4K	BTO	EHG $90K	$90,000
SC+SPR first timers, income $5K, near parents	Resale	EHG $85K + Family $40K + PHG $30K	$155,000
SC+SC mixed (one second timer), income $6K	Resale	EHG $75K (first timer) + Half Housing $40K	$115,000

Grants are a deferred cost, not free money: Every dollar of CPF housing grant you receive will be refunded to CPF (with 2.5% p.a. accrued interest) when you sell the flat. A $120,000 EHG received today will require a CPF refund of approximately $153,000 after 10 years. This money returns to your CPF OA and can be used for your next property, but it is not available as cash. Factor this into your upgrade cashflow planning.

How Grants Are Applied

Step 1: You apply for the flat (BTO ballot or resale OTP).

Step 2: HDB verifies your income documents (last 12 months payslips or NOA) and eligibility.

Step 3: Grant is credited directly to your CPF Ordinary Account.

Step 4: The grant funds in your OA are used to reduce the loan amount or service monthly instalments (depending on whether you take HDB or bank loan).

Step 5: When you sell the flat, CPF OA refund includes the original grant principal + accrued interest. These funds return to your CPF OA for future use.

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Winfred Quek is an Associate Marketing Consultant at Crestbrick Pte Ltd. CEA R073319H. Information on this page is general and does not constitute financial, investment, or mortgage advice.

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Frequently asked questions

What is the maximum HDB grant a first timer can receive in 2026?

Up to $230,000 for a resale purchase: EHG $120,000 + Family Grant $80,000 + Proximity Housing Grant $30,000. Income ceilings apply to each grant separately.

Are HDB grants free money?

No. Grants are credited to CPF OA. When you sell, the grant principal plus CPF accrued interest at 2.5% p.a. must be refunded to CPF. They reduce your cash in hand on sale.

How does this apply to your own numbers?

General rules only take you so far. What actually decides your move is your financing, your timeline, and what you already own. A Property Portfolio Analysis maps your real position, so you are deciding on your own figures rather than a rule of thumb.

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The information and insights on this page are for informational purposes only. CPF housing grant names, quantums and eligibility criteria are set by HDB and CPF Board and are periodically revised, so verify the current grant amounts and your eligibility directly with HDB before applying. This page is not legal, financial, or professional advice. Conduct your own due diligence and seek qualified advice. CEA R073319H. Crestbrick Pte Ltd L31010886H.