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Government and local programs that fit this home’s price and type.
Saves up to $420 on this home
No property transfer tax on a newly built home up to $1,100,000, with a smaller exemption up to $1,150,000. Buyers don't need to be first-time buyers.
Canadian citizens or permanent residents who move in within 92 days and live there for the first year.
Official details ↗Up to $35,100 back on this home
All 5% GST back on a new home up to $1 million, to a maximum of $50,000. A smaller rebate applies up to $1.5 million.
First-time buyers of a new home bought as their main residence, with the agreement signed on or after May 27, 2025.
Official details ↗Save up to $40,000 per person
Put in up to $8,000 a year. Deposits lower your income tax, and withdrawals for a first home are tax-free.
First-time buyers aged 18 to 71 who live in Canada. Partners can each open one.
Official details ↗Up to $60,000 per person
Take money out of your RRSP tax-free for the down payment, then pay it back over 15 years. Works alongside an FHSA.
First-time buyers, meaning no owned home lived in during the last four calendar years.
Official details ↗Up to $1,400 off your taxes
Claim $10,000 on line 31270 of your tax return for the year you buy. A couple shares one claim.
Homes under $1.5 million need only 5% down on the first $500,000 and 10% on the rest, with mortgage insurance. First-time buyers and buyers of new builds can spread payments over 30 years.
Buyers with less than 20% down who qualify with a lender. The 30-year option is for first-time buyers and new builds.
Official details ↗Up to $770 off property tax each year
Lowers yearly property tax on your main home. Up to $770, or $570 in Metro Vancouver, the Fraser Valley and the Capital region. Full grant for homes assessed up to $2,075,000.
Owners who live in the home. Apply every year when the tax notice arrives.
Official details ↗Amounts are estimates from the list price. Eligibility depends on the buyer, and programs change. Confirm with a lender, lawyer or notary before relying on any of these. Government programs last checked November 2026.
