Programs by province & territory
Click any region on the map to see the first-time buyer incentives available there — stacked with federal programs like the FHSA and HBTC.
Click a province or territory on the map to explore first-time buyer programs and your potential savings.
Federal Programs for Every First-Time Buyer
The federal government provides several programs designed specifically for first-time home buyers — available regardless of which province you live in.
First Home Savings Account (FHSA)
Contribute up to $8,000/year. Contributions are tax-deductible and withdrawals for a qualifying home purchase are completely tax-free.
Home Buyers' Plan (HBP)
Withdraw from your RRSPs for a down payment, interest-free. Couples can combine for up to $120,000. Repay over 15 years.
Home Buyers' Tax Credit (HBTC)
A non-refundable tax credit claimed on your return for the year you purchase your home.
GST/HST New Housing Rebate
Buying a newly constructed home? You may qualify for a rebate that returns a portion of the sales tax paid on the purchase.
How Provincial Programs Vary
Provincial programs differ widely and can add up to significant savings depending on where you buy.
Ontario
Up to $8,475- •Land transfer tax rebate of up to $4,000
- •Additional Municipal Land Transfer Tax rebate of up to $4,475 for Toronto purchases
British Columbia
Up to $14,700- •Full property transfer tax exemption on homes valued up to $835,000 (saves up to $14,700)
- •Partial exemption for homes between $835,000 and $860,000
Alberta
No transfer tax- •No provincial land transfer tax at all
- •Saves buyers thousands compared to other provinces
Quebec
Up to $15,000- •City of Montreal offers grants of up to $15,000 for first-time buyers
- •Available for purchases within the city
Maritime Provinces
Varies- •Various rebates and down payment assistance programs
- •Tailored to local markets
For a comprehensive overview, the CMHC homebuying guide is an excellent starting point.
Combine Programs for $105,000+ in Benefits
The real power comes from combining multiple programs on a single purchase. Here's what an Ontario buyer purchasing a $500,000 home could access:
FHSA down payment (tax-free)
RRSP via HBP (interest-free)
HBTC tax credit
Ontario land transfer rebate
In tax-advantaged funds and savings applied to a single transaction
Frequently Asked Questions
Can I use all these programs at once?
Yes. Federal programs such as the FHSA, HBP, and HBTC are designed to stack with each other and with provincial programs. There is no rule preventing you from claiming every program you are eligible for on the same purchase. The only requirement is that you meet the individual eligibility criteria for each program, which typically means being a first-time home buyer as defined by each program and using the home as your primary residence.
Do programs change depending on where I live?
Federal programs are identical across Canada — every qualifying first-time buyer has access to the FHSA, HBP, and HBTC regardless of province. Provincial programs, however, vary significantly. Some provinces offer land transfer tax rebates, others provide direct grants, and some — like Alberta — have no land transfer tax at all, which is itself a form of savings. It is worth researching the specific programs available in the province where you plan to buy, as the differences can amount to thousands of dollars.
Find every program you qualify for
Our team knows every federal and provincial program inside out. Book a free call and we'll match you with everything available.
Learn more
- Explore federal programs in detail — full eligibility rules, contribution strategies, and how to claim each one.
- See the complete program comparison table with stacking examples for every province.
- Learn how the FHSA and RRSP Home Buyers' Plan work together to maximize your down payment.