HDB Resale Grant Calculator
There are three CPF housing grants for a resale flat. Answer a few questions and the table shows, as you go, which ones apply to you and how much each is worth. Takes about a minute.
This is an estimate, not an approval. HDB confirms your grants in your HDB Flat Eligibility (HFE) letter. Amounts, income ceilings and conditions are set by HDB and can change.
Resale flats only. BTO and SBF grants, the Step-Up Grant and the Top-Up Grant are not modelled here.
About you
The three grants
Your match lights up as you answer. ✓ applies ✕ your row, but a condition is not met
SC = Singapore Citizen, PR = Permanent Resident, FR = foreigner.
CPF Housing Grant
| Who is buying | 2- to 4-room | 5-room or bigger |
|---|---|---|
| SC + SC | $80,000 | $50,000 |
| SC + PR | $70,000 | $40,000 |
| SC + FR | $40,000 | $25,000 |
| PR + PR | No grant | |
| PR + FR | Cannot buy as a couple | |
| FR + FR | Cannot buy | |
| One first-timer, one second-timerSC + SC or SC + PR | $40,000 | $25,000 |
| One single citizenAlone or with parents | $40,000 | $25,000 |
| Two single citizens$40,000 or $25,000 each | $80,000 | $50,000 |
Enhanced CPF Housing Grant (EHG)
| Household income | EHG | Household income | EHG |
|---|---|---|---|
| Up to $1,500 | $120,000 | $5,001–$5,500 | $55,000 |
| $1,501–$2,000 | $110,000 | $5,501–$6,000 | $50,000 |
| $2,001–$2,500 | $105,000 | $6,001–$6,500 | $40,000 |
| $2,501–$3,000 | $95,000 | $6,501–$7,000 | $30,000 |
| $3,001–$3,500 | $90,000 | $7,001–$7,500 | $25,000 |
| $3,501–$4,000 | $80,000 | $7,501–$8,000 | $20,000 |
| $4,001–$4,500 | $70,000 | $8,001–$8,500 | $10,000 |
| $4,501–$5,000 | $65,000 | $8,501–$9,000 | $5,000 |
Proximity Housing Grant (PHG)
| Who is buying | Live together | Within 4 km |
|---|---|---|
| Couple or family | $30,000 | $20,000 |
| Single, or SC + FR | $15,000 | $10,000 |
Your summary
Enter your monthly income to complete your summary.
The Enhanced CPF Housing Grant (EHG) is the biggest swing: it falls as income rises, so your income is the main number.
What a grant costs you later
- You refund it when you sell. CPF takes back the grant plus accrued interest from your sale proceeds.
- You become a second-timer. Buying another subsidised flat later can trigger a resale levy.
- The Minimum Occupation Period applies. You must live in the flat before you can sell it on the open market.
Assumptions behind this estimate
Want your grants confirmed?
Chat with us on WhatsApp about:
- Applying for your HDB Flat Eligibility (HFE) letter
- How much of the price your grants, CPF and loan will cover
- Which flats still work for your budget
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Next steps
Now see what the grants mean for your budget:
How is this calculated?
- CPF Housing Grant (Family Grant or Singles Grant)
The base grant for a resale flat. Two first-timer citizens get $80,000 for a 2- to 4-room flat or $50,000 for a 5-room or bigger one. A citizen and PR get $70,000 or $40,000. A citizen with a foreign spouse gets the Singles Grant of $40,000 or $25,000. PR + PR households can buy a resale flat but get no CPF housing grants, because the grants need a Singapore Citizen on the application. PR + FR couples and FR + FR couples cannot buy an HDB flat. A first-timer and second-timer couple gets $40,000 or $25,000. A first-timer single citizen gets $40,000 or $25,000, and two singles buying together each get that amount. The household income ceiling is $16,000 ($24,000 for extended families). For singles it is $8,000 on your own and $16,000 with family or other singles.
- Enhanced CPF Housing Grant (EHG)
Looked up from HDB's amount schedule using your average gross monthly income over the months worked in the 12 months that end two months before your HFE letter application. First-timer households are assessed on the full household income, up to $9,000, for up to $120,000. A first-timer and second-timer couple is assessed on half the household income, up to $4,500 on that basis, for up to $60,000. A single buying alone is assessed on their own income, up to $4,500, for up to $60,000. In a resale purchase you must first qualify for the base grant.
- Proximity Housing Grant (PHG)
$30,000 for families who will live with parents or a married child, and $20,000 for those who will live within 4 km. Singles get $15,000 and $10,000. The parents or child must meet HDB's age, citizenship and marital-status conditions, and you must keep to the arrangement during the Minimum Occupation Period.
- What can still reduce your grant
If the flat's remaining lease does not cover the youngest buyer to age 95, the EHG is pro-rated. Not working continuously for 12 months removes the EHG. Owning, or recently selling, private property removes the CPF Housing Grant and the EHG, but a Proximity Housing Grant is still possible on a Standard or unclassified flat if you sell within 6 months of completing the purchase. This calculator shows the full amounts and flags these cases.
Figures reflect HDB's published grant amounts from 20 August 2024, last checked October 2026. Rounded to the whole dollar. Not financial advice.
Sources: CPF Housing Grants (Families), Enhanced CPF Housing Grant (Families), Proximity Housing Grant (Families), CPF Housing Grant (Singles), Enhanced CPF Housing Grant (Singles), Proximity Housing Grant (Singles).