Every First-Time Home Buyer Program Available in Canada in 2026

1. FHSA

$8,000/year, $40,000 lifetime, tax-free.

2. Home Buyers Plan

Withdraw $60,000 from RRSP.

3. 30-Year Amortization

For new builds and homes under $1.5M.

4. Ontario LTT Rebate

Up to $4,000.

5. Toronto MLTT Rebate

Up to $4,475. Combined: $8,475 saved.

6. HBTC

$10,000 tax credit ($1,500 relief).

Calculate your LTT | Mortgage calculator