CPF Housing Grant
What is the CPF Housing Grant for resale flats?
The CPF Housing Grant is a grant for first-timers buying an HDB resale flat. Citizen families get up to $80,000 for a 2- to 4-room flat or $50,000 for a 5-room or bigger flat, with lower amounts for citizen and PR households and singles. It is paid into the buyers' CPF Ordinary Accounts and can be combined with the EHG and Proximity Housing Grant.
Key facts
- Citizen couple (SC/SC), 2- to 4-room
- $80,000
- Citizen couple (SC/SC), 5-room or bigger
- $50,000
- Citizen and PR couple (SC/SPR)
- $70,000 (2- to 4-room) or $40,000 (5-room or bigger)
- First-timer and second-timer couple
- $40,000 (2- to 4-room) or $25,000 (5-room or bigger)
- Single citizen
- $40,000 (2- to 4-room) or $25,000 (5-room)
- Income ceiling (families)
- $16,000 a month; $24,000 for extended or multi-generation families
- Remaining lease
- More than 20 years
As of 6 Nov 2026. Source: HDB.
How the CPF Housing Grant works
The grant rewards first-timers who buy a resale flat on the open market. HDB checks eligibility through your HFE letter, then pays the grant into the CPF Ordinary Accounts of the eligible core members.
| Household | 2- to 4-room resale flat | 5-room or bigger |
|---|---|---|
| First-timer citizen couple (SC/SC) | $80,000 | $50,000 |
| First-timer citizen and PR (SC/SPR) | $70,000 | $40,000 |
| First-timer and second-timer couple | $40,000 | $25,000 |
| Single citizen (Singles Grant) | $40,000 | $25,000 |
You need to be at least 21, a Singapore citizen with at least one other citizen or PR in the household, within the income ceiling, and not own private residential property or have sold one in the past 30 months.
Example
A first-timer citizen couple earning $7,000 a month buy a 4-room resale flat within 4 km of their parents’ home.
| Grant | Amount |
|---|---|
| CPF Housing Grant (Family Grant) | $80,000 |
| Enhanced CPF Housing Grant, at $6,501 to $7,000 income | $30,000 |
| Proximity Housing Grant, living near parents | $20,000 |
| Total grants | $130,000 |
Common mistakes
- Buying a 5-room flat without checking the amounts. The grant is lower for 5-room and bigger flats.
- Selling private property too recently. You must not have disposed of private residential property in the 30 months before your HFE letter application.
- Missing the Top-Up Grant window. Apply within 6 months of marrying.
Frequently asked questions
Can I get the CPF Housing Grant for a BTO flat?
No. This grant is for resale flats. BTO buyers can get the Enhanced CPF Housing Grant instead, and the BTO price already includes a market discount.
Can I combine it with other grants?
Yes. First-timer families buying a resale flat may also get the Enhanced CPF Housing Grant (Families) and the Proximity Housing Grant, if they meet the conditions.
What is the Top-Up Grant?
If you received a Singles Grant or bought a 2-room Flexi flat as a single and later marry a citizen or PR, you can apply for a Top-Up Grant within 6 months of your marriage. It covers the difference between the Family Grant and your Singles Grant, or $15,000 if you bought a 2-room Flexi flat.
Related terms
Sources
Every figure on this page was checked against the official government sources above on 6 Nov 2026. See our editorial policy.
This is general information, not financial, legal or tax advice.