First Home Finance (FHF) Subsidy Programme
Applicants must meet the programme’s income, residency, age, household, property ownership and qualifying finance criteria.
Always open
Grant KwaZulu-Natal
You can apply at any time
There is no closing date. Apply through the official channel below.
About
FHF provides a once-off subsidy to qualifying households acquiring a residential property for the first time. The subsidy can reduce the home loan amount, serve as a deposit, or be used for legal fees. It supports property purchases, instalment sale or rent-to-own arrangements, and assistance through the Government Employees Housing Scheme.
What it covers
Between R38 911.40 and R169 264.60, depending on income level
- Reducing the loan amount to make monthly repayments affordable over the loan period
- A deposit toward purchasing the property
- Legal fees
Who can apply
Have an approved home loan from a major South African bank, approved pension or provident backed loan, approved loan from a registered co-operative or community based saving scheme, an instalment sale or rent-to-own agreement, or assistance
Monthly household income must be between R3 501 and R22 000.99.
Be a South African citizen or legal permanent resident.
Be at least 18 years old and competent to legally contract.
Be married, co-habiting, or single with proven financial dependants.
Have never owned property before.
The applicant or spouse must not have previously received a Housing Subsidy Scheme benefit conferring ownership, leasehold or deed of grant.
How to apply
- 1Obtain an application form from the FHF Help Desk at Eagle Building, 11th floor, 363 Dr Pixley Kaseme Street, Durban, or 199 Pietermaritz Street, Pietermaritzburg.
- 2Alternatively, download the application form from the Department’s website.
Sources
Official sourceKwaZulu-Natal Department of Human SettlementsChecked against www.kzndhs.gov.za on 23 Oct 2026. Govnet is independent — always confirm with the provider.