01 Sep FLISP Subsidy Table 2026: How Much You Get
If your household earns between R3,501 and R22,000 a month, FLISP (now officially called First Home Finance or FHF), could put a once-off, non-repayable government grant towards your first home.
The amount you receive depends on your income: the less you earn within that band, the more you get. In 2026, the subsidy ranges from R38,878 to R169,264. Here is how that plays out across different income levels, and what you need to know before applying.
How Much Is the FLISP Subsidy in 2026?
FLISP works on a sliding scale. Households earning closer to R3,501 a month qualify for the highest subsidy amount, while households closer to the R22,000 income ceiling qualify for the lowest.
The subsidy is never paid to you in cash — it is paid directly to your bank, bond originator, or conveyancer, where it reduces the loan amount you need to finance, covers your deposit, or helps with transfer and bond registration costs. Read more about what FLISP is and how it works if you’re new to the programme.
FLISP Subsidy by Income Band (Estimated)
The table below gives an estimated subsidy range for different income bands, based on a straight-line calculation between the published minimum and maximum FLISP amounts. Your exact subsidy is calculated by the NHFC according to your specific income and household circumstances, so treat these figures as a guide rather than a guarantee.
| Monthly Household Income | Estimated FLISP Subsidy |
| R3,501 – R6,000 | ≈ R151,650 – R169,264 |
| R6,001 – R9,000 | ≈ R130,500 – R151,650 |
| R9,001 – R12,000 | ≈ R109,360 – R130,500 |
| R12,001 – R15,000 | ≈ R88,216 – R109,360 |
| R15,001 – R18,000 | ≈ R67,072 – R88,216 |
| R18,001 – R22,000 | ≈ R38,878 – R67,072 |
Want your exact number instead of an estimate? FirstStep Housing can assess your income and give you a confirmed subsidy amount before you apply.
Do You Qualify?
Before applying, check that you meet the FLISP qualifying criteria. In short, you need to be a South African citizen or permanent resident, at least 18 years old, married, cohabiting, or single with financial dependants, and you must never have owned residential property or received a government housing subsidy before.
- A signed Offer to Purchase (OTP) or sale agreement for the property you want to buy
- You do not need an approved home loan to apply — FLISP can be combined with savings, a pension, a stokvel, or even inherited funds
- Valid identification and proof of your household income
How FirstStep Housing Helps
Applying for FLISP directly can mean navigating NHFC forms and requirements on your own, and a single missing document can delay your payout.
FirstStep Housing handles the process for you; from confirming your eligibility to compiling your documents and following up with the NHFC until a decision is reached. If you’d like to understand the full process first, our guide to applying for FLISP online walks through each step, and our FLISP FAQ page answers the questions we’re asked most often. FLISP has come a long way since it launched, you can read about its history and how the programme evolved into First Home Finance.
For official figures and programme updates, you can also refer to the National Housing Finance Corporation (NHFC), which administers FLISP/FHF, and the Property Practitioners Regulatory Authority (PPRA), which regulates property transactions in South Africa.
Ready to Find Out What You Qualify For?
Get your income assessed and start your FLISP application with FirstStep Housing today. APPLY NOW