Singapore HDB Housing Grants & EHG Eligibility Calculator (2026)
Calculate eligibility for Singapore's enhanced housing grants: Enhanced CPF Housing Grant (EHG up to $120k), Resale Family Grant, and PHG.
Calculate eligibility for Singapore's enhanced housing grants: Enhanced CPF Housing Grant (EHG up to $120k), Resale Family Grant, and PHG.
Calculate eligibility for Singapore's enhanced housing grants: Enhanced CPF Housing Grant (EHG up to $120k), Resale Family Grant, and PHG. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Enhanced EHG ceiling effective from August 2024 / 2026
Total\ Grants = EHG(Income) + Family\ Grant_{Resale} + PHG_{Proximity} \\
EHG_{Max} = \begin{cases} \$120,000, & Families\ (Income \le \$9,000) \\ \$60,000, & Singles\ (Income \le \$4,500) \end{cases} \\
Family\ Grant_{Resale} = \$80,000\ (2\text{-}4\ Room) \quad | \quad PHG = \$30,000\ (Living\ with\ parents)In August 2024, the Singapore Government raised the Enhanced CPF Housing Grant (EHG) ceiling to S$120,000 for families (S$60,000 for singles). When purchasing a resale flat, eligible buyers can also stack the CPF Housing Grant (up to S$80,000) and Proximity Housing Grant (up to S$30,000), unlocking up to S$230,000 in government subsidies.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
All HDB housing grants are credited directly into your CPF Ordinary Account (OA). The grants offset the purchase price and downpayment directly, substantially reducing the mortgage loan amount and monthly installments required.
No! The Proximity Housing Grant (PHG) has NO income ceiling and is open to both first-timers and second-timers. As long as you purchase a resale flat within 4 km of or live together with your parents or children, you automatically qualify.
BTO buyers are eligible exclusively for the Enhanced CPF Housing Grant (EHG, up to S$120,000). Since BTO units are already heavily subsidized by HDB, the CPF Housing Grant and PHG are reserved exclusively for the open resale market.
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