You might already know that there are various housing grants for couples to offset the cost of buying a new flat, be it an HDB BTO flat or an HDB resale flat. But it can be confusing to figure out which grant you’re eligible for, with different eligibility criteria for various situations.
In this guide, we’ll go through the housing grants available for couples/families looking to purchase BTO or HDB resale flats in 2026.
Table of contents
- TL;DR: Summary of HDB grants for families
- HDB grants for couples applying for BTO/SBF/Open Booking flats
- HDB grants for couples applying for resale flats
- HDB grants under the Non-Citizen Spouse Scheme (2026)
- Other HDB grants for couples/families
- Future of HDB grants
- Frequently Asked Questions (FAQs)
TL;DR: Summary of HDB grants for families
| Grant Name | Who It’s For | Maximum Amount | Key Conditions |
|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) | First-time buyers (BTO or resale) | Up to S$80,000 | Household income ≤ S$9,000 |
| Family Grant | First-time resale buyers | Up to S$80,000 (Singapore Citizen couple), up to S$40,000 (SC + PR couple) | Household income ≤ S$14,000 |
| Proximity Housing Grant (PHG) | Resale buyers living near parents/children | Up to S$30,000 | Must live within 4km or same block |
| Step-Up CPF Housing Grant | Moving from 2-room rental to 2-room Flexi/3-room flat | S$15,000 | Applicable only to certain income groups |
| Top-Up Grant | SC/SPR households where PR becomes SC | Difference between SC+PR and SC+SC Family Grant amounts | One spouse becomes a Singapore Citizen after initial purchase |
Various factors — such as household income — determine the HDB grant amount a couple can get. The key is that buyers of HDB resale flats are offered more grants than BTO (Build To Order) and SBF (Sale of Balance Flats) applicants.
This is because BTO and SBF flats are sold directly by HDB at a subsidised rate. (Open booking flats also fall under the same category as BTO and SBF flats.)
Here’s 99.co‘s quick-and-easy guide and updated infographic to help you understand grants and budget for your HDB flat.
Along with this, it is also important to remember that grants can vary depending on the family situation:
HDB grants based on family situations
1. Buying a house with a fiancé or fiancée
If you are applying under the Fiancé/Fiancée Scheme, you may qualify for:
- Enhanced CPF Housing Grant (EHG) if you meet the income criteria.
- Family Grant when buying a resale flat.
- Proximity Housing Grant if buying near parents.
Important: You’ll need to register your marriage before or within 3 months of key collection (for BTO) or resale completion.
2. Married couples and/or parents with children
Married couples or those with children are eligible for:
- Enhanced CPF Housing Grant (EHG).
- Family Grant for resale flats.
- Proximity Housing Grant if staying close to parents or adult children.
- Additional housing priority schemes like the Parenthood Priority Scheme (PPS).
3. Multi-generation families
Buying a flat together with parents (multi-generation families) means you can access:
- Proximity Housing Grant (PHG) (up to S$30,000) if moving closer together or living together.
- Family nucleus formed with parents can also allow bigger flat types.
Note: If parents are included in the flat application, income ceilings for grants will consider the combined household income.
4. Families with Non-Residents
If one spouse is a non-citizen (non-PR):
- You cannot form a family nucleus eligible for most grants under standard schemes.
- You may apply under the Non-Citizen Spouse Scheme, but only for a 2-room Flexi flat in non-mature estates (for BTO).
- Singles Grant (if buying as an SC single aged 35 and above) may be relevant in specific situations.
Now, let’s find out which HDB grants you may be eligible for. (You can find out how much grant you’re eligible for by applying for the HDB Flat Eligibility (HFE) letter.)
Eligibility Conditions for Couples/Families
| BTO/SBF flats | HDB Resale Flats | |
| Flat Type | Up to a 5-room flat | All flat types (excluding 3Gen flats) in any location |
| Citizenship | You must be a Singapore Citizen (SC) | You must be a Singapore Citizen (SC) or Singaporean Permanent Resident (SPR). Include at least 1 occupant who is an SC or SPR For SPR households (i.e., an SPR household with no SC owner): All applicants and core occupiers must have SPR status for at least 3 years |
| Age | At least 21 years old | |
| Monthly household income ceiling | 2-room Flexi flat (99-year lease): S$7,000 3-room flat: S$7,000 or S$14,000 4-room and 5-room flat: S$14,000-S$21,000 (if purchasing with extended or multi-generation family) |
No income ceiling |
HDB grants for couples applying for BTO/SBF/Open Booking flats
Technically, only two grants are available for BTO/SBF/Open Booking flats: the Enhanced CPF Housing Grant (EHG) and the Step-Up CPF Housing Grant.
The EHG is for first-timers, while the other grant is for second-timers. Specifically, the Step-Up CPF Housing Grant is reserved for those upgrading from a subsidised 2-room or public rental flat.
So, most BTO/SBF/Open Booking flat applicants would be looking at only the EHG, which is tiered according to household income. This means that lower-income households will receive a higher EHG grant.
If both applicants are first-timers
- Enhanced CPF Housing Grant for Families (EHG): up to S$120,000. To qualify, the average gross monthly household income for the 12 months (see below) must be within S$9,000.
If one applicant is a first-timer, and the other a second-timer
- Enhanced CPF Housing Grant for Singles, EHG (Singles): up to S$60,000. To qualify, half of the average monthly household income for the 12 months (see below) must be within S$4,500. For example, a couple who earned S$56,000 in the 12-month income assessment period will be eligible for the EHG (Singles), as half of the average monthly income is S$2,333.
Here’s the table showing how the EHG is tiered for couples and singles in 2026:
| Enhanced CPF Housing Grant for Couples | Enhanced CPF Housing Grant for Singles | ||
| Average monthly household income | Grant amount | Average monthly household income | Grant amount |
| Not more than S$1,500 | S$120,000 | Not more than S$750 | S$60,000 |
| S$1,501 – S$2,000 | S$110,000 | S$751 – S$1,000 | S$55,000 |
| S$2,001 – S$2,500 | S$105,000 | S$1,001 – S$1,250 | S$52,500 |
| S$2,501 – S$3,000 | S$95,000 | S$1,251 – S$1,500 | S$47,500 |
| S$3,001 – S$3,500 | S$90,000 | S$1,501 – S$1,750 | S$45,000 |
| S$3,501 – S$4,000 | S$80,000 | S$1,751 – S$2,000 | S$40,000 |
| S$4,001 – S$4,500 | S$70,000 | S$2,001 – S$2,250 | S$35,000 |
| S$4,501 – S$5,000 | S$65,000 | S$2,251 – S$2,500 | S$32,500 |
| S$5,001 – S$5,500 | S$55,000 | S$2,501 – S$2,750 | S$27,500 |
| S$5,501 – S$6,000 | S$50,000 | S$2,751 – S$3,000 | S$25,000 |
| S$6,001 – S$6,500 | S$40,000 | S$3,001 – S$3,250 | S$20,000 |
| S$6,501 – S$7,000 | S$30,000 | S$3,251 – S$3,500 | S$15,000 |
| S$7,001 – S$7,500 | S$25,000 | S$3,501 – S$3,750 | S$12,500 |
| S$7,501 – S$8,000 | S$20,000 | S$3,751 – S$4,000 | S$10,000 |
| S$8,001 – S$8,500 | S$10,000 | S$4,001 – S$4,250 | S$5,000 |
| S$8,501 – S$9,000 | S$5,000 | S$4,251 – S$4,500 | S$2,500 |
| More than S$9,000 | NA | More than S$4,500 | NA |
To be eligible for either of these grants, you and/or your co-applicants/ core occupiers must have worked continuously for at least 12 months. The household income will be assessed for a period of these 12 months, which is calculated up to two months before the HFE letter application. On top of that, at least one of the applicants or core occupiers must be working at the time of the HFE application.
If both applicants are second-timers
- Step-Up CPF Housing Grant: S$15,000. If you and your family are second-timer applicants, you may apply for the Step-Up CPF Housing Grant to help with your new or resale flat purchase.
Additional reading: HDB resale grants: How much can you get in 2026
HDB grants for couples applying for resale flats
If both applicants are first-timers
- Family Grant (2- to 4-room flat, 5-room flat or larger): up to S$80,000. To qualify, your monthly household income must not be more than S$14,000 (or S$21,000 for extended family applicants).
- Enhanced CPF Housing Grant (EHG): up to S$120,000. To qualify, the average gross monthly household income for the 12 months (see above) must be within S$9,000.
- Proximity Housing Grant (PHG) (Live together with or within 4km of your parents/children): S$30,000 or S$20,000. As for the proximity condition, your parents or children can either be living in public housing or private property. There’s no income ceiling for the PHG.
This means you can get a maximum of S$230,000 HDB housing grants if you’re buying a resale flat as a first-timer.
HDB flats for sale
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If one applicant is a first-timer, and the other is a second-timer
- Family Grant (2- to 4-room flat, 5-room flat or larger): up to S$80,000. The monthly household income is capped at S$14,000 (or S$21,000 for extended family applicants).
- Enhanced CPF Housing Grant (EHG) for Singles: Up to S$60,000. The grant amount is based on income, with the maximum amount being S$60,000. Likewise, half of the average gross monthly household income must be within S$4,500^ (see above).
- Proximity Housing Grant (PHG) (Live together with or within 4km of your parents/children): S$30,000 or S$20,000. You and your partner must not have taken the PHG before to be eligible. To meet the proximity condition, your parents or children can either be living in public housing or private property. There’s no income ceiling for the PHG.
If both applicants are second-timers
- Step-Up CPF Housing Grant: S$15,000. This is for couples living in a 2-room subsidised flat in a non-mature estate or public rental flat, and wish to buy a resale 3-room flat in a non-mature estate. Those living in a public rental flat buying a 2-room resale flat in a non-mature estate may also be eligible for the grant.
HDB flats for sale in non-mature estates
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HDB grants under the Non-Citizen Spouse Scheme (2026)
There are various eligibility criteria under the HDB Non-Citizen Spouse Scheme that you need to qualify for if you want to purchase public housing together with your non-resident spouse or family members.
You may apply to buy a 2-room Flexi BTO flat in a non-mature estate and may only qualify for the Enhanced CPF Housing Grant (Singles).
However, if you go for resale flats instead, you may qualify for other HDB grants, including:
- CPF Housing Grant for Resale Flats (Singles)
- Enhanced CPF Housing Grant (Singles)
- Proximity Housing Grant (Singles)
- Top-up Grant (if applicable)
Other HDB grants for couples/families
Citizen Top-Up Grant
For Singapore Citizen/Singapore Permanent Resident (SC/SPR) households with a household member obtaining Singapore Citizenship status, they will also be eligible for a Citizen Top-Up Grant of S$10,000. This household member can either be:
- The SPR spouse originally listed in the flat application gets Singapore Citizenship
- An SC child who is born to the SC applicant/owner and spouse listed in the flat application
- The SPR parent/child/sibling listed in the flat application gets Singapore Citizenship
This Citizen Top-Up Grant is akin to a reimbursement for the household. SC/SPR households have to pay an extra S$10,000 when they buy a BTO flat or get a S$10,000 lower in grant amount when they buy a resale flat.
Top-up Grant
If you have previously taken the CPF Housing Grant (Singles) for a resale flat or bought a 2-room or 2-room Flexi flat from HDB as a single, and are now married, you may apply for the Top-Up Grant.
You must submit your application for a Top-Up Grant within 6 months of your marriage registration or spouse/ child becoming an SC / SPR. The amount depends on whether the house you bought is from the resale market or HDB. The monthly income is capped at S$14,000.
For more information about HDB resale grants, check out our detailed article: HDB Resale Grants: How much can you get?
(Single and aged 35 and above? Find out what grants you may be eligible for when buying a BTO or resale HDB flat.)
HDB resale flats in CCR, OCR, and RCR
If you’re already sure that you’re eligible for resale HDB grants and would like to start your resale flat hunting, we have compiled some of the HDB flats that MOP-ed in recent years. Taking fresh resale flats in the market means you’ll have longer tenure left; it’s one of the perks that you can’t find in older developments. Here are some of our recommendations for resale HDB flats:
CCR
OCR
RCR
What do you think about the BTO and resale HDB grants? Let us know in the comments below.
If you found this article helpful, 99.co recommends How to get enough money to buy a property in Singapore and Decide between an HDB loan and vs bank loan? Here’s a quick reference.
[Additional reporting by Ananda Bayu and Virginia Tanggono]
Frequently Asked Questions (FAQs)
- What are HDB grants for couples?
HDB grants for couples are financial assistance schemes provided by the Singaporean government to help couples offset the cost of purchasing an HDB flat, whether it’s a Build-To-Order (BTO) flat or a resale flat. - What types of grants are available for couples buying an HDB flat?
For couples buying BTO, SBF, or Open Booking flats, there are two main grants available: the Enhanced CPF Housing Grant (EHG) for first-timers and the Step-Up CPF Housing Grant for second-timers. - Who is eligible for HDB grants for couples?
Eligibility for HDB grants for couples is based on various factors, including household income, citizenship status, and whether it’s their first or subsequent HDB flat purchase. - How do I apply for HDB grants as a couple?
You can apply for HDB grants as a couple through the HDB Flat Eligibility (HFE) letter application process. The income assessment is based on the average gross monthly household income for the past 12 months. - Can couples apply for multiple grants?
Yes, couples may be eligible for multiple grants depending on their circumstances, such as whether they are first-timers, second-timers, or if one applicant is a non-citizen spouse. - What happens if my income exceeds the income ceiling after I have been approved for a grant?
If your income exceeds the income ceiling after being approved for a grant, you may no longer be eligible for the grant, and you may need to inform HDB of the change in your circumstances. - What is the Enhanced CPF Housing Grant (EHG)?
The EHG is a housing grant for a first-timer applicant buying a BTO or resale flat, with a gross monthly household income of no more than S$9,000. - How much HDB grant can I get?
If you’re a first-timer getting a BTO flat, you can get up to a S$120,000 HDB grant. The maximum grant amount is S$230,000 if you apply for a resale flat. - Do you have to return the HDB grant?
No, you don’t have to return it to HDB or CPF. What you need to do, though, is to refund it back to your own CPF account, plus any other CPF monies used to pay for the house and accrued interest, when you sell your house. - How are the HDB grants for couples disbursed?
Starting from May 9, 2023, there has been a new approach to the distribution of HDB grants for couples. All grants, including the Enhanced CPF Housing Grant (EHG) and Step-Up CPF Housing Grant, will be evenly allocated among the applicants and/or core occupiers. The funds will be directly credited to their respective CPF Ordinary Accounts (OA). This disbursement method applies to both Singapore Citizens (SCs) and Singapore Permanent Residents (SPRs) and will be fully credited into their CPF OA. -
Can a married couple own an HDB each?
A married couple cannot each own a separate HDB flat. Under Singapore’s housing policy, a household is allowed only one HDB flat, which both spouses must co-own. This ensures that government-subsidised flats are primarily for first-time buyers or couples in need of affordable housing. -
What is the income ceiling for HDB for couples?
The combined household income ceiling for most HDB grants is set at $14,000 per month. This means that if the couple’s combined income exceeds this amount, they won’t be eligible for grants like the Family Grant, which is aimed at first-time buyers or lower-income families. -
Can a married couple buy a 2-room Flexi BTO?
Yes, married couples can purchase a 2-room Flexi BTO flat, but they must meet the eligibility criteria. This includes the household income ceiling, which should not exceed $14,000, and the flat must be in a non-mature estate. The 2-room Flexi option is designed for smaller families or those who prefer a more compact living space. -
What is the salary cap for HDB couple grants?
The salary cap for most couple grants is $14,000 in total household income. For example, the Family Grant, which helps with the purchase of a resale flat, has this cap. If the combined monthly income exceeds this amount, the couple will not be eligible for most government housing grants. -
Can I BTO with my girlfriend?
No, you cannot apply for a Build-To-Order (BTO) flat with your girlfriend unless you are legally married. Under HDB’s rules, only legally married couples are eligible to apply for BTO flats together. This is to ensure that the flat is purchased as part of a family nucleus.
About Sophiyanah David
Sophi, a seasoned copywriter specialising in Singaporean real estate and property, is one of the minds behind 99.co's informative articles. Like her colleagues at 99.co, Sophi is dedicated to keeping you informed about the ever-changing world of real estate so you can find your forever home. When off the clock, you can find her giggling and kicking her feet as she reads her romance novels, watching anime - if FMBA is not your fave, she might fight you (but you'll probably win) and looking up latest skincare trends.
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Hi, I initially misunderstood the various grants as being equivalent to a bonus payout. But have realised it is not. Could you help me understand what the terms/conditions are to the grants? Eg Is it then an “interest free loan” that is payable when and how? Thanks.
Hi LC, a grant is not a bonus payout. It has a 2.5% accrued interest attached to it. The grant amount and the accured interest will have to be returned to your CPF account when you sell your flat (you can also pay back early to avoid incurring accrued interest). More information is available here: https://www.99.co/blog/singapore/hdb-sale-proceeds-cpf/
Hi, me n my spouse are both first timer with total household income 5800sgd. But we are planning to buy 5rooms, are we not eligible for any grants? Thank you
Hi Erfhina, depending on whether you’ll be buying BTO or resale, you’ll be eligible for EHG (both BTO and resale), Family Grant (resale) and PHG (resale, if living near/with parents) based on your income.
Hi,
Is there age limit for children in Proximity Housing Grant (PHG)?
Our children are 9 & 11 yo, which definitely stay with us. will we still be able to get the Proximity Housing Grant (PHG)?
Hi, we are living in SBF p4room flat at YGW and meet MOP. We are consider to upgrade to 5room. Should we buy a new flat or resale flat as a 2nd timer. Please advise. Thanks
Does buying BTO not have any PHG? so it is just mainly EHG?
Hi Nadirah! Yes, PHG is only for resale flats.
Xin
Hi, may I know for resale flat application, when are we supposed to apply for the grant? Are we able to apply for the grant prior to OTP so that we are financially sure that we can afford it
Both me and my spouse is first time applying for Bto .infome is 8000 month.He been working 3 years continuous but on the month of the application he have a change of contract He have a job but not paid for that month..are we still eligible for the grant? Thank u
Hi, Me and my partner are planning to apply for BTO, but only one of us is a student. Will it still be possible to be eligible for the deferred income assessment?
You may still be eligible if one of you has graduated within 12 months of the BTO application date, is an NSF or has ORD-ed within 12 months of the BTO application date. You can check out HDB’s page for more info on this https://www.hdb.gov.sg/residential/buying-a-flat/new/finance/deferred-income-assessment
Hi, I am a first timer and thinking of applying BTO 4rm/5rm in Aug 2021. I have just started working April 2021. My husband would be a 2nd timer and had been working for 15 yrs.
My question would be
1. Can I still apply for the BTO house though I just started working.
1. Am I eligible for grants? If yes, what grants am I eligible for? Will it affect income assesments for grants?
2. Do my husband have to pay any levy? If yes, how much?
Hi i am sc but my husband is Malaysian. I plan to buy 4 room resale flat. I am the only applicant, my husband and daughters (all below 21 years old) are occupiers. May i know how much grant I am entitle? Thanks
*I already obtained the HLE
If your husband is not a PR, then you’ll be buying under the Non-Citizen Spouse Scheme. This means that the grants you’re eligible for are similar to what a single would get: Singles Grant and Enhanced CPF Housing Grant (EHG) for Singles. For a 4-room resale flat, the Singles Grant amount you can get is S$25,000. The EHG amount depends on your income, so the maximum account you can get is S$40,000. You can read more about it at this page https://www.hdb.gov.sg/residential/buying-a-flat/resale/financing/cpf-housing-grants/noncitizen-spouse-scheme
Hi,
Would like to understand what about wife waiting for PR status? Can I apply for BTO 1st then apply for grant later after she get her PR, btw I’m singaporean.
The grant is only eligible for Singaporeans, so whether your wife is a PR or not, the grant amount you can get will be the same. But you may be able to get a S$10,000 Citizen Top-Up Grant if someone in the family (your wife or child) gets Singapore citizenship. You can read more about it here https://www.hdb.gov.sg/cs/infoweb/residential/servicing-your-hdb-housing-loan/citizen-topup
Hi, my partner and I are planning to take up a SBO flat and will like to know it we are eligible for the staggered down payment scheme (If so, when do we have to pay the remaining 5 percent) and the PHG. Thank you.
Yes, you may be eligible for the staggered downpayment scheme if the SBF flat you’re applying is not completed yet. If you’re taking HDB loan, the first 5% is to be paid during the signing of the Agreement for Lease, while the other 10% is to be paid during the key collection. You can read more about it here: https://www.99.co/singapore/insider/bto-payment-timeline/
https://www.hdb.gov.sg/residential/buying-a-flat/new/schemes-and-grants/staggered-downpayment-scheme
As for PHG, you won’t be eligible for it since it’s only for resale flats.
Yo guys would super appreciate the help and advice.
So my wife (SPR) and I (SC) intend to get a house at $585k. Our total CPF OA is $56k and HLE is $423,600. We really need to max out our grant to be eligible for the flat so here’s where I’m seeking advice.
We can get a proximity grant because it’s 4km from where my parents live. $20k.
Our total salary is $6.7k so that means we’re eligible for EHG of $25k.
There is a family grant of up to $80k.
This means we’re eligible for $125k grants. Is this accurate? Is there anything I’m missing out on that I do not understand about the recent changes?
Will like to know before we make any decision because if we can’t receive the grant, then we would have to fork out cash which we do not want to be in such a state. Thank you
Hi Caleb,
Thank you for your query. You can base your grant calculations based on HDB’s site here (https://www.hdb.gov.sg/residential/buying-a-flat/flat-and-grant-eligibility/couples-and-families/cpf-housing-grants-for-resale-flats-families).
You’re right, based on the total income of S$6.7k, the EHG will be S$25k. And the PHG will be S$20k given that it’s within 4km of your parents’ house.
However, note that you won’t be able to get the maximum S$80k for the Family Grant, as it is based on resident status and flat type. As a SC/PR household, the Family Grant you can get is S$70k if you’re buying 2-room to 4-room flat, or S$40k if you’re buying 5-room or bigger.
It is best to check with HDB on the actual grant amount.
Hope this helps and good luck!
Hi,
i would like to check if there is a max usage of the grants provided?
e.g if i have 130k in grant, 50k in OA, and im buying a 350k HDB 3-RM
20% of the downpayment would be @70k.
130k of grants already exceeds the 20% mark
Am i able to fully use the 130k to pay a higher downpayment?
or is the grant capped at a limit to only assist me in paying for the downpayment?
Hi, will there be a reassessment of our grant provided at point of key collection? and in the event the amount given is lower, do we need to pay the amount used back according to the initial grant given?