🇸🇬 CPF Resale Flat Grant Calculator Singapore
Calculate CPF resale flat grants in Singapore including EHG, Family Grant, PHG, and Singles Grant. Check eligibility and reduce your home loan instantly.
Step 1: Personal
🇸🇬 How to Use the CPF Housing Grant Calculator (2026)
Select Your Citizenship Status
Start by choosing your citizenship (Singapore Citizen or PR). CPF housing grants like EHG are mainly available for Singapore Citizens, so this step is important for eligibility.
Choose Your Marital Status
Select whether you are single or married. This determines your eligibility for the Family Grant, which is one of the largest CPF housing benefits.
Enter Your Monthly Household Income
Input your total monthly income. This directly affects your Enhanced CPF Housing Grant (EHG), as lower income results in higher grant eligibility.
Select Property Type (BTO or Resale)
Choose the type of property you plan to buy. Resale flats offer additional grants like the Family Grant and PHG, while BTO flats have different eligibility rules.
Choose Your Flat Type
Select your HDB flat type (2-room, 3-room, 4-room, or 5-room). The Family Grant amount varies depending on the size of the flat.
Select Distance from Parents
Choose how close your new home is to your parents. Living closer can qualify you for the Proximity Housing Grant (PHG), increasing your total CPF benefits.
Enter Property Price
Provide the price of the property you intend to purchase. This helps calculate your final loan requirement after deducting CPF housing grants.
Click Calculate to Get Your Grant
Click the calculate button to instantly view your total CPF housing grant, breakdown (EHG, Family Grant, PHG), loan amount, and smart insights.
Review Grant Breakdown & Insights
Analyze your results carefully. You will see how much grant you qualify for and tips to increase your eligibility based on your inputs.
Optimize Your Housing Strategy
Use the insights to make better decisions—such as adjusting income, choosing resale flats, or living closer to parents to maximize your CPF housing grant.
🇸🇬 CPF Resale Flat Grant Calculator Singapore – Complete Guide (2026)
Buying a resale HDB flat in Singapore is a popular choice for many homebuyers due to its flexibility, immediate availability, and wider location options. However, resale flats can be expensive, which is why the government provides multiple CPF housing grants to reduce the financial burden.
Understanding how much grant you can receive for a resale flat can be confusing because different schemes apply depending on your situation. This is where the CPF Resale Flat Grant Calculator becomes essential.
This tool helps you calculate all eligible grants in one place and gives you a clear estimate of your total savings and loan requirement.
🏠 What is CPF Resale Flat Grant?
CPF resale flat grants are financial subsidies provided to eligible buyers purchasing resale HDB flats. These grants are credited into your CPF account and directly reduce your property cost.
The biggest advantage:
More grants → Lower purchase price → Smaller loan burden
📊 Types of Grants Available for Resale Flats
Enhanced CPF Housing Grant (EHG)
This is an income-based grant available to eligible buyers. Lower income households receive higher grants.
Family Grant
Available for married couples purchasing resale flats. The amount depends on flat size and can significantly boost total benefits.
Proximity Housing Grant (PHG)
Given when you buy a flat near your parents or live together with them.
Singles Grant
Available for single buyers aged 35 and above purchasing resale flats.
Resale flat buyers have the advantage of combining multiple grants, which can lead to substantial savings.
🧮 Why Use CPF Resale Flat Grant Calculator?
Since multiple grants apply to resale flats, manual calculation becomes complicated. This calculator simplifies everything.
All Grants in One Place
Calculate EHG, Family Grant, PHG, and Singles Grant together.
Accurate Eligibility Check
Ensure you qualify for each grant without confusion.
Loan Impact Analysis
Understand how grants reduce your final loan amount.
📈 How Grants Reduce Your Resale Flat Cost
CPF grants directly lower your property price, making homeownership more affordable.
Example
Flat price: S$550,000 Total grant: S$100,000 Final cost: S$450,000
This reduction can save you thousands in interest and monthly repayments.
⚖️ Resale vs BTO Grants
Resale flats offer more grant opportunities compared to BTO flats.
Resale Flats
Eligible for multiple grants (EHG + Family + PHG + Singles).
BTO Flats
Primarily eligible for EHG only.
This makes resale flats attractive for buyers looking to maximize CPF benefits.
🎯 How to Maximize Resale Flat Grants
- ✔ Choose resale flats over BTO
- ✔ Maintain income within EHG limits
- ✔ Stay near parents for PHG
- ✔ Combine multiple grants effectively
📊 Use Other CPF Tools for Better Planning
To fully understand your financial position, use these tools:
- CPF Contribution Calculator
- CPF Interest Calculator
- CPF Retirement Calculator
- CPF LIFE Payout Calculator
- CPF Withdrawal Calculator
🔗 Explore Individual Grant Calculators
⚠ Common Mistakes to Avoid
Not Checking All Grants
Many buyers miss out on additional grants.
Ignoring Location Benefits
Living near parents can increase your grant through PHG.
Poor Financial Planning
Not calculating total loan impact can lead to higher costs.
🚀 Final Thoughts
The CPF resale flat grant system offers one of the best opportunities to reduce housing costs in Singapore. However, understanding how to maximize these benefits is key.
With the CPF Resale Flat Grant Calculator, you can instantly estimate your total grants, plan your finances, and make smarter home-buying decisions.
Use the calculator today and unlock maximum savings on your resale flat 🚀
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❓ CPF Housing Grant Calculator – FAQs
What is a CPF Housing Grant Calculator?
A CPF Housing Grant Calculator helps you estimate how much housing grant you can receive in Singapore. It calculates EHG, Family Grant, and PHG based on your income, property type, and eligibility.
What is the Enhanced CPF Housing Grant (EHG)?
EHG is a grant given to first-time homebuyers based on their household income. Lower income households receive higher grant amounts.
Who is eligible for the Family Grant?
The Family Grant is available to married couples purchasing resale flats in Singapore. The amount depends on the flat type.
What is the Proximity Housing Grant (PHG)?
PHG is given when you buy a home close to your parents or live together. It encourages families to stay near each other.
Can I receive all CPF housing grants together?
Yes, you can receive EHG, Family Grant, and PHG together if you meet all eligibility conditions.
Does income affect CPF housing grant?
Yes, income plays a major role. Higher income reduces or eliminates EHG eligibility.
Is CPF housing grant available for BTO flats?
Yes, but BTO flats mainly qualify for EHG. Family Grant and PHG are typically for resale flats.
How much CPF housing grant can I get?
The total grant can go up to S$160,000 depending on your income, flat type, and proximity to parents.
Does CPF housing grant reduce my home loan?
Yes, the grant amount is used to reduce your property price, which lowers your home loan requirement.
Why should I use a CPF Housing Grant Calculator?
It helps you instantly calculate your eligibility, total grant amount, and loan required, allowing you to plan your home purchase better.