26 Jun FLISP Requirements 2026: Eligibility Checklist
The FLISP subsidy (Finance Linked Individual Subsidy Programme), now called First Home Finance (FHF), gives qualifying South Africans a once-off grant of up to R169,264 towards their first home. To benefit, you need to meet a specific set of requirements. Here is the full eligibility checklist for 2026.
The FLISP Eligibility Checklist
All of the following criteria must be met for your application to be approved. A full breakdown is available on the FLISP qualifying criteria page.
- Age and residency: You must be at least 18 years old and a South African citizen or permanent resident.
- Income: Your combined monthly household income must be between R3,501 and R22,000. The lower your income, the higher your subsidy – ranging from approximately R38,878 to R169,264.
- First-time buyer: You must never have owned a residential property, and neither you nor your spouse may have previously received a government housing subsidy.
- Dependant or spouse: You must have a spouse or a dependant (such as a child) living with you. Single applicants without dependants do not qualify.
- Signed Offer to Purchase: You must have a signed OTP or sale agreement for the property you intend to buy. You cannot apply without one.
Do You Need a Bond to Apply?
No. A home loan is not a requirement. You can combine FLISP with cash savings, a pension fund withdrawal, an inheritance, a stokvel, or an Employer-Based Housing Scheme. What you cannot do is apply without a signed Offer to Purchase.
What Documents Do You Need?
Once you have confirmed your eligibility, gather the following. Our FLISP FAQ page covers document requirements in more detail:
- Certified copy of your South African ID (and IDs for all adults in the household)
- Three most recent payslips or alternative proof of income
- Three months’ bank statements
- Proof of residential address (not older than three months)
- Certified birth certificates for all children in the household
- Marriage certificate, cohabitation affidavit, or divorce order if applicable
- Signed Offer to Purchase or sale agreement
How FirstStep Housing Helps
Meeting the requirements is only the first step. Gathering certified documents, completing the NHFC application correctly, and following up to ensure approval all take time and expertise. FirstStep Housing handles everything on your behalf. For a full picture of the process, read our step-by-step application guide.
New to the home-buying process? Our homeowners guide is a great starting point before you apply.
Check your eligibility and start your application today.