Last updated: October 2026

The Proximity Housing Grant (PHG) is an HDB resale grant that gives Singaporean families and singles extra CPF-usable cash when they buy a resale flat to live with their parents or children, or within 4km of them — on top of whatever CPF Housing Grant they already qualify for.

Not financial advice. All figures for educational reference only. Data as at October 2026.

Key Takeaways

• The Proximity Housing Grant is only for resale flat purchases — it does not apply to new BTO flats bought directly from HDB.
• Families get a higher PHG amount for living together in the same flat than for living within 4km, and singles receive roughly half the family amount in both tiers.
• PHG stacks on top of the CPF Housing Grant or Enhanced CPF Housing Grant, so an eligible first-timer household can combine grants into a meaningfully larger CPF housing subsidy.
• There is no income ceiling specific to PHG itself, but you must still meet the income ceiling and eligibility conditions of the underlying CPF Housing Grant scheme you’re applying under.
• The policy intent is explicitly to encourage multi-generational proximity, so eligibility is checked against the applicant’s and the named parent’s or child’s address at the point of application.

Table of Contents

What Is Proximity Housing Grant Singapore?

The Proximity Housing Grant is one of several HDB resale grants layered on top of Singapore’s CPF Housing Grant framework. It was introduced to give households a direct financial incentive to live near — or with — their parents or married children, supporting the government’s broader push for intergenerational family support and ageing-in-place.

Unlike the Enhanced CPF Housing Grant (EHG), which is based on household income, PHG is based on proximity: either living in the same flat as your parents/children, or living within 4 kilometres of them. The grant amount is credited into the buyer’s CPF Ordinary Account and can be used to pay the resale flat’s purchase price directly, reducing the cash or CPF needed upfront.

Because PHG applies only to resale flats, it sits alongside — and is frequently combined with — the CPF Housing Grant for first-timer families, the EHG, and the Half-Housing Grant for second-timers, making the total subsidy stack one of the more complex (but valuable) parts of Singapore’s housing grant system to understand.

How Does It Work in Singapore?

To qualify for PHG, the application must name an eligible parent or child (a Singapore Citizen or Permanent Resident) and the flat being bought must either be the same flat the named family member lives in, or within 4km of that family member’s registered address, measured using HDB’s standard distance calculation.

Figures are illustrative based on published HDB grant tiers and may be revised in future Budget announcements — always check the current amounts on the HDB website before applying.

PHG is disbursed through CPF, not as cash, and is paid out at the point of resale completion. If the buyer later sells the flat within a minimum occupation period or moves away from the qualifying proximity, HDB may claw back the PHG with accrued interest, similar to how other CPF housing grants are recovered on early disposal.

Worked Example

A young couple buying a 4-room resale flat in Yishun, where the wife’s parents already live, apply for PHG under the “living together” tier because they intend to rent a unit in the same block, or qualify under “living near” if they buy a flat within 4km instead. Assume they are also first-timer applicants eligible for the CPF Housing Grant and EHG based on household income.

If they live within 4km of her parents, they could receive up to $20,000 in PHG, stacked on top of their CPF Housing Grant and any EHG they qualify for based on income. On a $480,000 resale flat, that combined grant total meaningfully reduces how much they need to borrow or draw from their CPF Ordinary Account, lowering their monthly mortgage instalment for the life of the loan.

Advantages

• Stacks with other CPF housing grants, so eligible first-timer households can combine PHG with the CPF Housing Grant and EHG for a larger total subsidy than any single grant alone.
• No separate income ceiling for PHG itself, meaning the proximity criterion, not income, is the main qualifying test (though the base grant you stack it onto still has its own ceiling).
• Supports practical caregiving. Living within 4km or in the same flat makes it realistically easier to care for ageing parents or help with grandchildren, which the grant directly subsidises.
• Applies to both families and singles, widening access beyond married couples to unmarried Singaporeans aged 35 and above buying on their own.

Risks and Limitations

• Resale flats only. If you want a new BTO flat, PHG does not apply at all — you’d need to rely on other grants or buy resale instead to access it.
• Clawback risk. If you sell before satisfying the minimum occupation period, or no longer meet the proximity condition in some scenarios, HDB can recover the grant with accrued interest.
• Distance and “living together” rules are strictly defined. A flat that feels nearby in everyday terms might not satisfy HDB’s 4km measurement, so it’s worth checking the exact calculation before committing to a purchase.
• Grant amounts and conditions can change. HDB has adjusted PHG tiers in past Budgets, so the amount you qualify for today may not match figures from a few years ago that are still circulating online.

Comparison Table

The Bottom Line

The Proximity Housing Grant rewards a specific choice — living with or near family — with real CPF money, and it’s designed to be stacked, not used alone. For Singapore investors planning a resale flat purchase near parents, checking PHG eligibility before house-hunting can materially change the budget, so it’s worth confirming the current grant tiers on HDB’s website before signing an Option to Purchase.

Frequently Asked Questions

Related Terms

• Enhanced CPF Housing Grant (EHG)
• HDB Resale Levy Singapore
• Silver Housing Bonus Singapore
• HDB Lease Buyback Scheme (Singapore)
• HDB Loan Calculator Singapore