In 2025, Singaporean families buying their first HDB home can receive up to S$130,000 in CPF Housing Grants. These include a combination of the Enhanced CPF Housing Grant (EHG), Family Grant, and Proximity Housing Grant (PHG), making homeownership more affordable for first-time buyers.
Main CPF Housing Grants for Families
1. Enhanced CPF Housing Grant (EHG)
- Value: Up to S$120,000 for eligible families purchasing a new Build-To-Order (BTO) or resale HDB flat.
- Eligibility: Combined monthly household income must not exceed S$9,000. At least one applicant must have been employed continuously for the past 12 months.
- Applicable To: First-time buyers of new or resale HDB flats.
2. Family Grant
- Value: Up to S$80,000 for Singapore Citizen (SC) couples and S$70,000 for SC + Permanent Resident (PR) couples.
- Eligibility: Monthly household income ceiling of S$14,000 for couples or S$21,000 for extended/multi-generation families.
- Applicable To: First-time families buying resale HDB flats. Grant amount depends on the flat type (4-room or smaller, 5-room and above).
3. Proximity Housing Grant (PHG)
- Value: Up to S$30,000 for those buying a resale flat to live with or near parents or children (within 4 km).
- Applicable To: Families purchasing resale flats near or with immediate family members.
Maximum Grant Amount
Families may combine multiple grants based on eligibility:
- EHG (up to S$120,000) + PHG (up to S$30,000) = Up to S$150,000 for resale flat purchases.
- Typical total grant amounts range from S$130,000–S$150,000, depending on household income, family size, and distance from parents.
Eligibility Requirements
- Applicant must be a Singapore Citizen.
- Buying a new or resale HDB flat (no ownership of private property within 30 months before application).
- Must meet income ceiling and employment duration conditions under each grant.
- Flat must have a remaining lease of at least 20 years, covering the youngest buyer until age 95.
Application Steps
- Register for an HDB Flat Eligibility (HFE) Letter: Apply via the HDB Flat Portal to determine your grant eligibility.
- Submit Supporting Documents: Include proof of identity, 12 months of income records, and relationship/proximity verification if applicable.
- Select Grant Type: Choose your grants during the flat application process; the grant will be credited directly into your CPF Ordinary Account.
- Track Application: Check the status on the HDB or CPF portal before your flat purchase completion.
Payment Schedule
- Grant amounts are credited to your CPF Ordinary Account and used to offset your flat purchase price.
- Payments are made according to HDB transaction milestones, typically at conveyancing and completion stages.
Summary Table: CPF Housing Grant Options 2025
| Grant Name | Maximum Amount | Eligibility | Use Case |
|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) | Up to S$120,000 | Income ≤ S$9,000; 12 months of employment; first-time buyer | New or resale HDB flats |
| Family Grant | Up to S$80,000 (SC couples) Up to S$70,000 (SC+PR) | Income ≤ S$14,000 (couples) / S$21,000 (extended family) | Resale HDB flats |
| Proximity Housing Grant (PHG) | Up to S$30,000 | Living with or within 4 km of parents/children | Resale flats near family |
FAQs
Can I combine multiple grants?
Yes. EHG, Family Grant, and PHG can be combined for eligible resale flat purchases.
Who gets the maximum grant amount?
Lower-income first-time homebuyers living near parents and meeting employment and family criteria.
When is the grant paid?
It is credited to your CPF Ordinary Account and applied during your HDB flat purchase completion.
The CPF Housing Grant schemes in 2025 provide substantial support to Singaporean families, enabling affordable homeownership with simplified eligibility and digital application processes.
