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HDB downpayment and CPF housing grant calculator
See the grants you may get, the 25% downpayment, how much of it CPF can pay, and what is left for the loan.
Illustrative estimates · Not a loan offer or financial advice
In short
The HDB downpayment is 25% of the flat price, whether you take an HDB loan or a bank loan, since both lend up to 75% of the price. On an HDB loan you can pay all of it with CPF. A bank loan needs at least 5% of the price in cash.
First-timer families can get up to S$120,000 in CPF housing grants for a new flat and up to S$230,000 for a resale flat, from the Enhanced CPF Housing Grant (EHG), the CPF Housing Grant and the Proximity Housing Grant (PHG). Singles can get up to S$60,000 and S$115,000.
Last updated: October 2026. Source: HDB downpayment rules, Enhanced CPF Housing Grant and MyNiceHome grants guide.
HDB downpayment calculator
Estimate your grants and downpayment
Tell us about the flat and your household. We estimate the CPF housing grants, the 25% downpayment and how much of it CPF can pay.
Your grants and downpayment will appear here
Fill in the form above and press Estimate my downpayment. You'll see:
- Each CPF housing grant you may get
- The downpayment, stage by stage
- The CPF and cash split
- What is left for the loan
Grants and downpayment
Illustrative exampleWe can't estimate this one
Adjust the details above and try again, or check the rules on the HDB website.
Grants
Downpayment: CPF and cash
What is left for the loan
This is the part of the price a loan has to cover, not what HDB will lend. HDB also caps the monthly instalment at 30% of your income and the tenure at 25 years (or 65 minus your average age, if shorter), so it may lend less. See what you can borrow with our HDB loan calculator.
This is the part of the price a loan has to cover, not what a bank will lend. Under MAS rules all your monthly debt repayments are capped at 55% of income (TDSR), and a bank loan on an HDB flat runs for up to 30 years, so the bank may lend less. See what you can borrow with our bank loan calculator.
An estimate, not a grant or loan offer. Your HDB Flat Eligibility (HFE) letter states the grants and loan you actually qualify for. Figures as of October 2026, from HDB. The estimate assumes the resale price equals the valuation and that the buyers meet HDB's employment, age and property rules.
Worked example
Worked example: a 4-room resale flat at S$600,000
An illustrative case, computed with the same function as the calculator. A first-timer couple, both Singapore Citizens, earn an average of S$7,000 a month. They buy a 4-room resale flat for S$600,000 within 4 km of their parents, take an HDB housing loan and put in S$40,000 of CPF Ordinary Account (OA) savings.
| Family Grant (CPF Housing Grant) | S$80,000 |
|---|---|
| Enhanced CPF Housing Grant (EHG), income S$7,000 | S$30,000 |
| Proximity Housing Grant (within 4 km) | S$20,000 |
| Total grants | S$130,000 |
| Downpayment, 25% of the price | S$150,000 |
| Paid from CPF (grants and OA) | S$150,000 |
| Paid in cash | S$0 |
| Leftover grants and CPF that reduce the loan | S$20,000 |
| Left to finance with the HDB loan | S$430,000 |
The grants and OA savings (S$170,000) cover the whole S$150,000 downpayment, so no cash is needed for it. The other S$20,000 goes toward the price, which brings the loan down to S$430,000, under the S$450,000 limit at 75% of the price. That is what is left to finance, not what HDB will lend: HDB also caps the instalment at 30% of income and the tenure at 25 years. To check the loan HDB may give and its monthly repayment, try our HDB loan calculator.
Figures as of October 2026
CPF housing grant amounts used in this calculator
Enhanced CPF Housing Grant (EHG)
For first-timers buying a new flat from HDB or a resale flat. Families qualify up to an average monthly household income of S$9,000 and singles up to S$4,500. A first-timer and second-timer couple gets the EHG (Singles), assessed on half the household income.
| Average monthly household income | EHG |
|---|---|
| Up to S$1,500 | S$120,000 |
| S$1,501 to S$2,000 | S$110,000 |
| S$2,001 to S$2,500 | S$105,000 |
| S$2,501 to S$3,000 | S$95,000 |
| S$3,001 to S$3,500 | S$90,000 |
| S$3,501 to S$4,000 | S$80,000 |
| S$4,001 to S$4,500 | S$70,000 |
| S$4,501 to S$5,000 | S$65,000 |
| S$5,001 to S$5,500 | S$55,000 |
| S$5,501 to S$6,000 | S$50,000 |
| S$6,001 to S$6,500 | S$40,000 |
| S$6,501 to S$7,000 | S$30,000 |
| S$7,001 to S$7,500 | S$25,000 |
| S$7,501 to S$8,000 | S$20,000 |
| S$8,001 to S$8,500 | S$10,000 |
| S$8,501 to S$9,000 | S$5,000 |
| Average monthly income | EHG (Singles) |
|---|---|
| Up to S$750 | S$60,000 |
| S$751 to S$1,000 | S$55,000 |
| S$1,001 to S$1,250 | S$52,500 |
| S$1,251 to S$1,500 | S$47,500 |
| S$1,501 to S$1,750 | S$45,000 |
| S$1,751 to S$2,000 | S$40,000 |
| S$2,001 to S$2,250 | S$35,000 |
| S$2,251 to S$2,500 | S$32,500 |
| S$2,501 to S$2,750 | S$27,500 |
| S$2,751 to S$3,000 | S$25,000 |
| S$3,001 to S$3,250 | S$20,000 |
| S$3,251 to S$3,500 | S$15,000 |
| S$3,501 to S$3,750 | S$12,500 |
| S$3,751 to S$4,000 | S$10,000 |
| S$4,001 to S$4,250 | S$5,000 |
| S$4,251 to S$4,500 | S$2,500 |
Source: HDB EHG table (families), HDB EHG table (singles).
CPF Housing Grant for resale flats
For first-timers buying a resale flat, on top of the EHG. Households qualify up to an average monthly income of S$16,000, or S$8,000 for a single buying alone, for HFE letters applied for from 24 Aug 2026.
| Household | 2- to 4-room | 5-room or bigger |
|---|---|---|
| First-timer family, 2 Citizens | S$80,000 | S$50,000 |
| First-timer family, Citizen + PR | S$70,000 | S$40,000 |
| First-timer + second-timer couple | S$40,000 | S$25,000 |
| First-timer single (5-room at most) | S$40,000 | S$25,000 |
Source: HDB Family Grant, HDB Singles Grant.
Proximity Housing Grant (PHG)
| Household | Living with parents or child | Living within 4 km |
|---|---|---|
| Families | S$30,000 | S$20,000 |
| Singles | S$15,000 | S$10,000 |
Source: HDB PHG (families), HDB PHG (singles).
HDB downpayment rules
How the HDB downpayment works
HDB and the banks lend up to 75% of the price, so the downpayment is 25%. For a resale flat the loan limit is 75% of the price or the valuation, whichever is lower. CPF housing grants go into your CPF Ordinary Account and can pay the downpayment or reduce the loan.
| Flat | HDB housing loan | Bank loan |
|---|---|---|
| New flat (BTO) | 10% at signing, 15% at key collection. CPF or cash. | 20% at signing (at least 5% cash), 5% at key collection. |
| New flat, Staggered Downpayment Scheme | 5% at signing, 20% at key collection. | 10% at signing (at least 5% cash), 15% at key collection. |
| Resale flat | 25%, CPF or cash. | 25%, at least 5% in cash. |
On an HDB housing loan, HDB asks you to use your OA savings on the flat before it lends, keeping up to S$20,000 for each buyer. A bank loan has no such rule. Banks also lend at a 55% limit for longer loan tenures, which this calculator does not model. At that limit a resale downpayment is 45% of the price with at least 10% in cash, and a new flat needs 20% at signing, at least 10% of it in cash.
If your grants come to more than 95% of the price, only 95% of the price can be paid with grants, and at least 5% must come from your own CPF or cash, not a loan. This applies to new and resale flats; on a resale flat it is 95% of the price or the valuation, whichever is lower. The excess grant is credited to your CPF Special or Retirement Account and MediSave Account.
Source: HDB, Sign Agreement for Lease, MyNiceHome resale guide, MyNiceHome housing loans guide, MND and HDB, 11 Sep 2019 (footnote 5, archived copy).
What this calculator leaves out
- Extended and multi-generation families, families with a non-resident spouse, and households of Permanent Residents only.
- Second-timer households (the Step-Up CPF Housing Grant) and the Top-Up Grant.
- Two or more singles buying together (the Joint Singles Scheme). The singles option here is one single buying alone.
- Pro-rating when the remaining lease does not cover the youngest buyer to age 95. The EHG is pro-rated, and the CPF you can use and the HDB loan are also pro-rated (CPF Board, MND). None of this is applied.
- What HDB or a bank will actually lend. An HDB loan is also limited to an instalment of 30% of income and a tenure of 25 years, so "left to finance" can be more than HDB lends. The HDB loan calculator checks this.
- Cash over valuation on a resale flat, which cannot be paid with CPF or a loan.
- Deferred Income Assessment, Plus and Prime flat conditions, and the 12-month employment rule for the EHG (assumed met).
- Stamp duty, legal fees and other costs at signing.
How the HDB grant and downpayment rules have changed
Rules change, and the date that counts is usually when you sign, apply or earn the income. This calculator uses the rules in force today; upcoming changes are listed so you can see what applies later.
-
In force
Income ceilings raised to S$16,000 and S$8,000
The ceiling to buy a new flat, get the resale CPF Housing Grant or an HDB loan went from S$14,000 to S$16,000 a month for families, and from S$7,000 to S$8,000 for singles. The EHG ceilings did not change.
Applies to: HFE letters applied for from 24 Aug 2026
Source: HDB, Increase in Income Ceilings and Greater Support for Families with Children -
In force
EHG raised to S$120,000 and S$60,000
The maximum EHG went from S$80,000 to S$120,000 for families and from S$40,000 to S$60,000 for singles, with the same S$9,000 and S$4,500 income ceilings. For new flats it applies from the October 2024 BTO exercise onwards, not to sales exercises launched in June 2024 or earlier.
Applies to: New flats from the October 2024 BTO exercise onwards; resale applications and HFE letters applied for from 20 Aug 2024
Source: MND and HDB, Measures to Cool the HDB Resale Market (19 Aug 2024) -
In force
HDB loan limit cut to 75%, downpayment 25%
The HDB loan-to-value limit went from 80% to 75%, in line with bank loans, so the downpayment rose from 20% to 25% of the price.
Applies to: Resale applications from 20 Aug 2024 and the October 2024 BTO exercise onwards
Source: MND and HDB, Measures to Cool the HDB Resale Market (19 Aug 2024) -
In force
CPF Housing Grant for resale flats raised again
First-timer families: S$50,000 to S$80,000 for a 2- to 4-room flat and S$40,000 to S$50,000 for a 5-room or bigger flat. Singles: S$25,000 to S$40,000 and S$20,000 to S$25,000.
Applies to: Resale applications from 3.30pm, 14 Feb 2023
Source: MND, oral answer on the CPF Housing Grant increase of 14 Feb 2023 -
Earlier
HDB loan limit cut to 80%, downpayment 20%
The HDB loan-to-value limit went from 85% to 80%, so the downpayment on an HDB loan rose from 15% to 20% of the price.
Applies to: Sales exercises launched and resale applications from 30 Sep 2022
Source: MAS, MND and HDB, Measures to Promote Sustainable Conditions in the Property Market (29 Sep 2022) -
Earlier
Enhanced CPF Housing Grant (EHG) introduced
The EHG replaced the Additional and Special CPF Housing Grants: up to S$80,000 for first-timer families earning up to S$9,000 a month, and up to S$40,000 for singles, for new and resale flats of any type and location.
Applies to: From 11 Sep 2019
Source: MND and HDB, More Affordable and Accessible Homes for Singaporeans: Enhanced CPF Housing Grant for First-Timers and Higher Income Ceilings (11 Sep 2019, archived copy) -
Earlier
Income ceilings raised to S$14,000 and S$7,000
With the EHG, the ceiling to buy a new flat, get the resale CPF Housing Grant or an HDB loan went from S$12,000 to S$14,000 a month for families, and from S$6,000 to S$7,000 for singles.
Applies to: From 11 Sep 2019
Source: MND and HDB, More Affordable and Accessible Homes for Singaporeans: Enhanced CPF Housing Grant for First-Timers and Higher Income Ceilings (11 Sep 2019, archived copy) -
In force
Proximity Housing Grant raised, "near" becomes within 4 km
Living with parents or child: S$20,000 to S$30,000 for families and S$10,000 to S$15,000 for singles. Singles living near their parents got a new S$10,000 grant. "Near" changed from the same town or 2 km to within 4 km.
Applies to: Resale applications from 3.30pm, 19 Feb 2018
Source: MND and HDB, Closer Families, Stronger Ties: Enhanced Proximity Housing Grant (19 Feb 2018) -
Earlier
CPF Housing Grant for resale flats raised
First-timer families: from S$30,000 to S$50,000 for a 4-room or smaller flat and S$40,000 for a 5-room or bigger flat. Singles: from S$15,000 to S$25,000 and S$20,000.
Applies to: Resale applications from 3.30pm, 20 Feb 2017
Source: MND, Enhanced CPF Housing Grant offers more Affordable Housing Options (20 Feb 2017) -
Earlier
Income ceilings raised to S$12,000 and S$6,000
The ceiling to buy a new flat or a resale flat with the CPF Housing Grant went from S$10,000 to S$12,000 a month for families, and from S$5,000 to S$6,000 for singles.
Applies to: Applications from 24 Aug 2015
Source: MND and HDB, Affordable Homes, Closer Families, Stronger Ties (24 Aug 2015) -
Earlier
Proximity Housing Grant introduced
A new S$20,000 grant for families buying a resale flat to live with or near their parents or married child, and S$10,000 for singles living with their parents. No income ceiling, and second-timers qualify once.
Applies to: Resale flat purchases from 24 Aug 2015
Source: MND and HDB, Affordable Homes, Closer Families, Stronger Ties (24 Aug 2015)
Good to know
HDB downpayment and grants: common questions
How much is the HDB downpayment in 2026?
The downpayment is 25% of the flat price for both an HDB loan and a bank loan, because both lend up to 75% of the price. On an HDB loan the whole 25% can come from CPF. On a bank loan at least 5% of the price must be paid in cash. If the bank lends at its lower 55% limit, which applies to longer loan tenures, a resale downpayment is 45% of the price with at least 10% in cash, and a new flat needs 20% at signing (at least 10% in cash) and 25% more at key collection.
Source: HDB, Sign Agreement for Lease (downpayment and Staggered Downpayment Scheme)
How much is the Enhanced CPF Housing Grant (EHG)?
The EHG is up to S$120,000 for first-timer families and up to S$60,000 for first-timer singles, for new and resale flats. It gets smaller as income rises and stops above an average monthly household income of S$9,000, or S$4,500 for singles.
How much is the CPF Housing Grant for a resale flat?
A first-timer family of two Singapore Citizens gets S$80,000 for a 2- to 4-room resale flat, or S$50,000 for a 5-room or bigger flat. A Citizen and Permanent Resident household gets S$70,000 or S$40,000. The household income ceiling is S$16,000 a month from 24 August 2026.
Source: HDB, CPF Housing Grants for Families Buying Resale Flats
Can I use CPF for my HDB downpayment?
Yes. Your CPF Ordinary Account savings and your CPF housing grants can pay the downpayment, apart from the 5% minimum cash on a bank loan. With an HDB loan, HDB asks you to use your OA savings on the flat first, keeping up to S$20,000 for each buyer.
What is the Proximity Housing Grant?
The Proximity Housing Grant is S$30,000 for a family buying a resale flat to live with their parents or child, or S$20,000 to live within 4 km of them. Singles get S$15,000 or S$10,000. It has no income ceiling.
Sources
Last updated: October 2026. Every figure on this page was checked against these official pages on 2026-10-05.
- HDB, Enhanced CPF Housing Grant (Families) (page updated 20 August 2026)
- HDB, EHG amount by household income (PDF) (page updated May 2026 (PDF creation date))
- HDB, Enhanced CPF Housing Grant (Singles) (page updated 20 August 2026)
- HDB, EHG (Singles) amount by income (PDF) (page updated May 2026 (PDF creation date))
- HDB, CPF Housing Grants for Families Buying Resale Flats (page updated 23 August 2026)
- HDB, CPF Housing Grant for Resale Flats (Singles) (page updated 23 August 2026)
- HDB, Proximity Housing Grant (Families) (page updated 20 August 2026)
- HDB, Proximity Housing Grant (Singles) (page updated 20 August 2026)
- HDB, Sign Agreement for Lease (downpayment and Staggered Downpayment Scheme) (page updated 18 August 2026)
- MyNiceHome (HDB), How to Buy a Resale HDB Flat (page updated 29 June 2026)
- MyNiceHome (HDB), Housing Loans for HDB Flat Buyers (page updated 23 August 2026)
- HDB, Increase in Income Ceilings and Greater Support for Families with Children (page updated 23 August 2026)
- CPF Board, How much CPF can I use if the lease does not cover the youngest buyer to age 95? (page updated no date shown (read 5 October 2026))
- MND, Annex A: Updated Rules on CPF Usage and HDB Housing Loan (May 2019) (page updated May 2019 (the LTV it pro-rates is now 75%))
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