facebookThe Ultimate HDB Grants Guide: CPF Housing Grants for BTO, Resale & SBF Flats
The Ultimate HDB Grants Guide_ CPF Housing Grants for BTO, Resale & SBF Flats

The Ultimate HDB Grants Guide: CPF Housing Grants for BTO, Resale & SBF Flats

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Thinking of buying your first property?

You’re probably looking at HDB flats and wondering how in the world you are going to afford something that expensive.

Source: SpongeBob SquarePants | Giphy

Thankfully, there are various HDB grants aka CPF Housing Grants which you can apply for to help you offset the cost of buying a new home.

But what grants are you actually eligible for? And how much?

Let’s find out!


TL;DR: The Ultimate HDB Grant Guide – CPF Housing Grants for BTO, Resale & SBF Flats

HDB grants (aka CPF housing grants) are meant to help Singaporeans make their home purchases a little more affordable.

Depending on various factors such as your household income and citizenship, the amount that you can get will vary.

Here’s a look at the various HDB grants available:

HDB Housing GrantEligible for HDB BTO and Sale of Balance Flats?Eligible for HDB Resale Flats?Income CeilingGrant AmountFor?
Enhanced CPF Housing Grant (Families)YesYes$9,000$5,000 to $80,000
(depending on household income)
Both HDB BTO and SBF, as well as Resale HDB flats
Enhanced CPF Housing Grant (Singles)YesYes$4,500 if you are buying a flat on your own or with a non-resident spouse

$9,000 if you are buying a flat with other singles or a resale flat with your parents
$2,500 to $40,000
(depending on household income)
First-timer and second-timer couple applicants

Non-Citizen Spouse Scheme

Singles under Single Singaporean Citizen Scheme or Joint Singles Scheme or Orphan Scheme
CPF Housing Grant for Resale Flats (Families)

Aka Family Grant
NoYes$14,000

$21,000 if purchasing with an extended or multi-generation family
2- to 4-room flat: $40,000 to $80,000 (increased by $30,000)

5-room or bigger flat: $30,000 to $50,000 (increased by $10,000)
First-timer couple applicants buying HDB Resale
CPF Housing Grant for Resale Flats (Singles)

Aka Singles Grant
NoYes$7,000 if purchasing a flat on your own

$14,000 if purchasing a flat with your family or other singles
2- to 4-room flat: $40,000 (increased by $15,000)

5-room or bigger flat: $25,000 (increased by $5,000)
First-timer Singapore Citizen (SC) and buying a resale flat on your own or with your non-resident spouse
Step-Up CPF Housing GrantYes

Applies only to a 2-Room Flexi or 3-Room flat in a non-mature estate
Yes$7,000$15,000Second-timer applicants applying for a second subsidised HDB flat
Proximity Housing Grant (Families)NoYesNone$30,000 to live with your parents/child
$20,000 to live near your parents/child (within 4km)
HDB Resale buyers
Proximity Housing Grant (Singles)NoYesNone$15,000 to live with your parents/child
$10,000 to live near your parents/child (within 4km)

HDB Grants Available Based on Your Profile

At first glance, this can be quite overwhelming, so I’ve broken it down based on various profiles and the respective grants available:

For First-Timer Couples/Families Going For:

For First-Timer Singles Going For:

For Second-Timer Couples/Families Going For:

For Second-Timer Singles Going For:

For Couples Where One Applicant is Not a Singapore Citizen Going For:

Once you know what grants are available to you based on your profile, check your eligibility and the grant amount available to you here:


Enhanced CPF Housing Grant (Families)

Enhanced CPF Housing Grant (Families) Amount

Average monthly household incomeGrant amount
Not more than S$1,500S$80,000
S$1,501 – S$2,000S$75,000
S$2,001 – S$2,500S$70,000
S$2,501 – S$3,000S$65,000
S$3,001 – S$3,500S$60,000
S$3,501 – S$4,000S$55,000
S$4,001 – S$4,500S$50,000
S$4,501 – S$5,000S$45,000
S$5,001 – S$5,500S$40,000
S$5,501 – S$6,000S$35,000
S$6,001 – S$6,500S$30,000
S$6,501 – S$7,000S$25,000
S$7,001 – S$7,500S$20,000
S$7,501 – S$8,000S$15,000
S$8,001 – S$8,500S$10,000
S$8,501 – S$9,000S$5,000
More than S$9,000NA

Enhanced CPF Housing Grant (Singles)

Enhanced CPF Housing Grant (Singles) Amount

Average monthly incomeGrant amount
Not more than S$750S$40,000
S$751 – S$1,000S$37,500
S$1,001 – S$1,250S$35,000
S$1,251 – S$1,500S$32,500
S$1,501 – S$1,750S$30,000
S$1,751 – S$2,000S$27,500
S$2,001 – S$2,250S$25,000
S$2,251 – S$2,500S$22,500
S$2,501 – S$2,750S$20,000
S$2,751 – S$3,000S$17,500
S$3,001 – S$3,250S$15,000
S$3,251 – S$3,500S$12,500
S$3,501 – S$3,750S$10,000
S$3,751 – S$4,000S$7,500
S$4,001 – S$4,250S$5,000
S$4,251 – S$4,500S$2,500
More than S$4,500NA

CPF Housing Grant for Resale Flats (Families) aka Family Grant

CPF Housing Grant for Resale Flats (Families) Amount

Buying a 2- to 4-room resale flat:

  • Singapore Citizen (SC) / SC: $80,000
  • SC / Singapore Permanent ResidentSPR: $40,000

Buying a 5-room or bigger resale flat:

  • SC / SC: $50,000
  • SC / SPR: $30,000

CPF Housing Grant for Resale Flats (Singles) aka Singles Grant

CPF Housing Grant for Resale Flats (Singles) Amount

Buying a 2- to 4-room resale flat: $40,000

Buying a 5-room or bigger resale flat: $25,000

Step-Up CPF Housing Grant

Step-Up CPF Housing Grant Amount

$15,000 (Applies only to a 2-Room Flexi or 3-Room flat in a non-mature estate)

Proximity Housing Grant (Families)

Proximity Housing Grant (Families) Amount

$30,000 to live with your parents/child OR

$20,000 to live near your parents/child (within 4km)

Proximity Housing Grant (Singles)

Proximity Housing Grant (Singles) Amount

$15,000 to live with your parents/child OR

$10,000 to live near your parents/child (within 4km)


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About Justin Oh
Your average Zillennial who is obsessed with anime, games, movies and of course, personal finance. Join me as I break down personal finance into easily digestible and fun bits!
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