Buying your first home in Singapore is one of the biggest financial decisions newlyweds will make. CPF savings and HDB grants help newly married couples lower their upfront cash needs, reduce the housing loan required, and plan more confidently for their first HDB flat. The Singapore government provides two main forms of support for first-time buyers: CPF savings and HDB housing grants. Your CPF Ordinary Account (OA) can help pay for approved housing costs, while HDB grants reduce the effective purchase price of your flat. Understanding both before you start your home search helps you set a realistic budget and avoid costly surprises. This guide explains how CPF savings can support your first HDB home purchase, how the main HDB grants work for newly married couples, and how grant eligibility can affect the affordability of BTO and resale flats. Key takeaways

• CPF Ordinary Account (OA) savings can reduce the cash needed for your HDB down payment and monthly home loan payments.

...