The story of a single person turning 35 and getting a new apartment in the colorful city of Singapore is highly fascinating. These singles do not waste time waiting for marriage and are the ones who must take on mortgages and thus obtain a house along with the support of the government in a big time cash manner. Besides marriage that grants the very same rights, new grants make HDB flats accessible for single citizens by late 2025 like never before. The aid provided in this manner is perfectly timed as it deals with not only the problems of raised living costs but also with the change in population structure. Singles receive first-hand CPF credits that reduce the initial payment and the monthly loans to a great extent.
Key Cash Grants Available
There is a package of targeted CPF housing grants made available by the government of Singapore for the very first time singles only. These credits are directly deposited into your CPF Ordinary Account. So they are only for down payment or repayment purposes.
The most important Enhanced CPF Housing Grant (EHG) for Singles provides support of up to $60,000. It is classified according to the income level, with lower income categories receiving more. Applicants must be Singapore citizens, aged 35 or above, and have a monthly income not exceeding $4,500.
For resale flats, EHG can be combined with the CPF Housing Grant for Resale Flats (Singles). This scheme adds an amount of $40,000 for 2- to 4-room units or $25,000 for larger ones, in case of resale flats characterized by EHG.
Are you living in the same building as your parents? The Proximity Housing Grant (PHG) for Singles provides $15,000 if you live in the same block or $10,000 if you live within a radius of 4km.
Latest 2025 Updates
In 2025, policies take a step towards being more inclusive. Singles can now be allocated 2-room Flexi BTO flats in all locations, including Prime and Plus projects.
Since the middle of 2025, the new Family Care Scheme gives priority balloting for Singles buying to live with or near their parents. This strengthens family bonds and also improves success rates in competitive launches.
The maximum of $115,000 is reached for smaller resale flats through the combination of EHG, resale grant, and PHG.
Grant Amounts Comparison
| Grant Type | Maximum Amount | Applicable To | Key Eligibility Notes |
|---|---|---|---|
| Enhanced CPF Housing Grant (Singles) | Up to $60,000 | New BTO or Resale | Income ≤ $4,500/month; first-timer |
| CPF Housing Grant for Resale (Singles) | $40,000 (2-4 room)$25,000 (5+ room) | Resale only | First-timer SC; income ≤ $7,000 |
| Proximity Housing Grant (Singles) | $15,000 (with parents)$10,000 (near) | New or Resale | Live with/near parents |
Why It Matters Now
These supports have been introduced in the period when the BTO application rates were stabilizing and the flat supply was increasing. A total of more than 55,000 new units wil be launched from 2025 to 2027. Singles will have an easier choice and will not have to spend so much money upfront.
The first time buyers are able to use only their CPF to cover the mortgage, thus saving their money. This gives a sense of independence while it also leads to living close to family.
You can obtain the personalized grant estimates through the letter of Flat Eligibility by HDB. With these boosts, owning a Singapore home as a single seems possible and even exciting.
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