Does housing grant deduct before or after 20% CPF and 5% cash payment

In Singapore, housing grants are credited directly into the applicants' CPF Ordinary Accounts (CPF-OA) after they have booked a flat. These grants are not deducted from the 20% CPF or 5% cash payment required for the down payment of the flat.

Instead, the grants are used to offset the purchase price of the flat, but they do not reduce the initial down payment amount. The down payment must still be made using the required 20% from CPF savings or cash, and the 5% cash payment. The grants will be utilized to reduce the outstanding balance of the flat purchase price after the down payment has been made.