Tool

HDB Grant Estimator

Estimate the EHG, CPF Housing Grant and Proximity Housing Grant on a resale flat for a first-timer household. Your HFE letter is the authoritative figure.

You are applying as

Housing-subsidy history

Average gross monthly household income

S$/ mo

HDB averages this over the 12 months before the application. Include every applicant.

Resale flat size

Living with or near parents / a married child?

Check the 4 km distance with HDB's tool

Estimated grants

HDB grant rules in force from 20 Aug 2024

$145,000

Enhanced CPF Housing Grant (EHG): $65,000
CPF Housing Grant: $80,000
Proximity Housing Grant (PHG): $0
Estimated total: $145,000

Grants are paid into your CPF Ordinary Account and go towards the purchase — not cash. On a future sale they are refunded to CPF with accrued interest.

Planning estimate only, not tax or financial advice. Based on published rates as of 2026-09-01. Rates and rules can change by government notice -- confirm your exact figures with IRAS/HDB or your solicitor before relying on this for a purchase decision.

This is an estimate for a first-timer household buying a resale flat, using HDB's published income bands. It is not an eligibility decision. Your HFE letter states the exact grant you qualify for; other conditions (citizenship, employment, flat lease vs your age, remaining first-timer status) apply.

Understanding the numbers

The three resale grants

Grant	Max (families)	Household income ceiling
CPF Housing Grant	$80,000 (4-room or smaller); $50,000 (5-room or bigger)	$14,000
Enhanced CPF Housing Grant (EHG)	Up to $120,000, sliding scale by income	$9,000
Proximity Housing Grant (PHG)	$30,000 living together; $20,000 within 4 km	None

CPF Housing Grant

Max (families): $80,000 (4-room or smaller); $50,000 (5-room or bigger)
Household income ceiling: $14,000

Enhanced CPF Housing Grant (EHG)

Max (families): Up to $120,000, sliding scale by income
Household income ceiling: $9,000

Proximity Housing Grant (PHG)

Max (families): $30,000 living together; $20,000 within 4 km
Household income ceiling: None

Singles: CPF Housing Grant up to $40,000, EHG up to $60,000, PHG $15,000 / $10,000. Rules in force from 20 Aug 2024.

How the estimate works

EHG follows HDB's published income bands; the singles scale is the family scale halved.
The CPF Housing Grant is a fixed amount by flat size, for first-timers only.
The PHG has no income ceiling — use HDB's distance tool to confirm the 4 km.

Frequently asked questions

How much HDB grant can I get for a resale flat in 2026?

A first-timer family can receive up to $230,000: the Enhanced CPF Housing Grant (up to $120,000, on a sliding income scale), the CPF Housing Grant ($80,000 for a 4-room or smaller flat, $50,000 for 5-room or bigger), and the Proximity Housing Grant (up to $30,000). Singles receive roughly half. The exact amount is on your HFE letter.

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

$9,000 average gross monthly household income for families, and $4,500 for singles. Above the ceiling there is no EHG. The CPF Housing Grant has a higher ceiling of $14,000 (families) / $7,000 (singles).

Do I get the CPF Housing Grant as a second-timer?

No. The CPF Housing Grant is for first-timer households. The Enhanced CPF Housing Grant can still apply in some first-timer + second-timer couples, and the Proximity Housing Grant has no first-timer requirement. Check your HFE letter.

How does the Proximity Housing Grant 4 km rule work?

You qualify for $20,000 (families) if you buy a resale flat within 4 km of your parents or a married child, or $30,000 if you will live in the same flat. HDB provides an online tool to check the distance between two addresses.

Are HDB grants paid in cash?

No. Grants are paid into your CPF Ordinary Account and go towards the flat purchase. When you sell the flat later, the grant amount is refunded to your CPF with the accrued interest it would have earned.

Related tools

Purchase Cost & Payment Schedule

What you pay upfront to buy — downpayment split into cash and CPF, Buyer's and Additional Buyer's Stamp Duty, legal and valuation fees — and when each payment falls due: a short timeline for a resale, or the full progressive payment plan for a new launch.

Affordability Calculator

Work out the most you can pay for a home — the loan TDSR and MSR allow, the LTV cap on that loan, the cash and CPF you need upfront, and the year your savings will be ready for a target price.

Mortgage & Refinancing Calculator

The monthly instalment and total interest on a home loan, how the balance falls year by year, and whether refinancing to a new rate pays off after the switching cost.