Eligible first-timer families can receive up to $120,000. An eligible single buying alone can receive up to $60,000. The amount steps down as assessed income rises, and your HFE letter confirms the result.
Who may qualify for EHG?
| Requirement | Current rule |
|---|---|
| Applicant status | At least one core applicant must be a first-timer. Different grant shares apply to first-timer/second-timer couples and singles. |
| Employment | An applicant or eligible core member must generally have worked continuously for at least 12 months, ending two months before the HFE application, and still be working at application. |
| Income | For a first-timer family, average gross monthly household income must not exceed $9,000. For an eligible single buying alone, the assessed ceiling is $4,500. |
| Flat lease | The flat must have more than 20 years remaining. It must cover the youngest eligible core member to age 95 for the full grant; otherwise EHG is pro-rated. |
How the grant amount changes with income
For a first-timer family, the published EHG table runs from $120,000 at household income of not more than $1,500 to $5,000 at $8,501–$9,000. For a single buying alone, the maximum is half the corresponding family amount, up to $60,000.
Do not estimate the grant using only the latest payslip. HDB assesses income over the prescribed period and applies household-specific rules. Use the HFE letter guide to prepare the application.
Can EHG be used for both BTO and resale flats?
Yes, subject to eligibility. First-timer households may use EHG for an eligible new or resale flat. A resale buyer must first qualify for the applicable CPF Housing Grant before EHG is considered.
The grant is credited to eligible members' CPF accounts for the flat purchase. It reduces the amount you need to fund from CPF, cash and a housing loan; it is not paid out as spending cash.
What happens when you sell?
CPF Board states that CPF used for the property—including housing grants—and accrued interest must be refunded to CPF when the property is sold, subject to the applicable refund rules and available sale proceeds. Model the purchase conservatively with the HDB loan calculator.
Official sources and review date
Reviewed 25 Aug 2026 against HDB's Enhanced CPF Housing Grant rules, its HFE letter guide, and CPF Board's housing-grant refund guidance.
Frequently asked questions
What is the maximum Enhanced CPF Housing Grant in 2026?
The maximum is $120,000 for an eligible first-timer family and $60,000 for an eligible single buying alone. Actual amounts depend on assessed income, household profile, flat lease and the prevailing rules.
What is the EHG income ceiling?
For a first-timer family, the average gross monthly household income ceiling is $9,000. For an eligible single buying alone, the assessed ceiling is $4,500.
Does an HDB grant need to be refunded when the flat is sold?
CPF Board states that CPF withdrawn for the property, including housing grants, and accrued interest must be refunded to CPF upon sale, subject to the applicable refund rules and available sale proceeds.
This guide is general education, not a grant decision or personal financial advice. HDB and CPF Board apply the prevailing rules to the household and property details in the HFE and purchase applications.