To help Singaporeans tackle rising housing costs, the government has introduced an upgraded CPF Housing Grant framework for 2025. With higher grant amounts and expanded eligibility, these changes aim to make homeownership more inclusive, especially for first-time buyers, young families, and singles looking for affordable homes.
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Stronger Grants to Address Rising Property Prices
The CPF Housing Grant has always played a vital role in supporting Singaporeans’ housing needs. Recognizing growing affordability concerns, the 2025 updates bring larger grants that directly benefit low- and middle-income citizens. This upgrade particularly supports those entering the resale market or upgrading to bigger flats.
Overview
| Grant Type | Max Amount for Families | Max Amount for Singles | Main Purpose |
|---|---|---|---|
| Enhanced CPF Housing Grant | S$120,000 | S$60,000 | First-time buyers of BTO or resale |
| CPF Housing Grant for Resale | S$80,000 | S$40,000 | First-time resale flat buyers |
| Proximity Housing Grant | S$30,000 | S$15,000 | Buying near/with family (resale only) |
| Step-Up CPF Housing Grant | S$15,000 | N/A | Upgrading from 2-room to 3-room flats |
| Combined Grant Potential | Up to S$230,000 | Up to S$115,000 | For eligible buyers |
Significant Support for First-Time Buyers
For first-time homebuyers, the EHG continues to be the most impactful. Couples or families earning up to S$9,000 monthly can get up to S$120,000, while singles may qualify for up to S$60,000. Importantly, the grant is income-scaled — the lower your income, the higher your grant amount. Applicants must show steady employment and choose flats whose leases last until the youngest buyer turns at least 95.
Helping Buyers Enter the Resale Market
The CPF Housing Grant for Resale Flats targets those purchasing previously owned flats. First-time families can receive:
- S$80,000 for 2-4 room flats
- S$50,000 for 5-room or bigger flats
Singles are eligible for S$40,000 (smaller flats) or S$25,000 (larger flats). This grant helps offset the higher prices typical in the resale market, easing the financial pressure on new buyers.
Proximity Grants Encourage Family Togetherness
Singapore’s Proximity Housing Grant (PHG) promotes multi-generational living by supporting buyers who choose flats near or with their family:
| Living Arrangement | Families | Singles |
|---|---|---|
| Living with parents/children | S$30,000 | S$15,000 |
| Living within 4km | S$20,000 | S$10,000 |
Notably, the PHG has no income ceiling, making it widely accessible. However, it only applies to resale flats, helping families remain close without waiting for new BTO launches.
Step-Up Grant Helps Families Upgrade
For families in smaller units who wish to upgrade, the Step-Up CPF Housing Grant offers S$15,000 when moving from a 2-room flat in a non-mature estate to a 3-room flat. With an income ceiling of S$7,000, this grant targets modest-income households, ensuring that upgrading remains within reach.
Steps to Apply
To benefit from any CPF housing grants, applicants must first:
- Apply for an HDB Flat Eligibility (HFE) letter
- Select a flat to buy
- Submit grant applications during the flat booking or resale process
Applicants also need to provide documents such as CPF contribution statements and income proof. This centralized process makes it easier for first-timers and those upgrading to get the financial support they need.
Why These Changes Matter in 2025
These updates make the CPF Housing Grant system more responsive to today’s realities — including evolving family needs, changing income patterns, and rising housing costs. By boosting grant amounts and expanding eligibility, the government empowers more Singaporeans to secure homes without compromising long-term financial stability.
A Renewed Path to Homeownership
With these 2025 enhancements, the dream of owning a home in Singapore becomes more achievable. Whether you’re starting a new chapter, expanding your family, or planning to stay close to loved ones, the refreshed CPF Housing Grants offer timely, targeted support to help you succeed.
FAQs
Q1: Can singles apply for the Enhanced CPF Housing Grant?
A: Yes, eligible singles may get up to S$60,000.
Q2: Does the Proximity Housing Grant have an income cap?
A: No, it’s open to all resale flat buyers.
Q3: Is the Step-Up CPF Housing Grant for new or resale flats?
A: It is meant for upgrading within the public housing system.
