Rebate & Program Finder — Which Programs May Apply

Rebate & Program FinderWhich Programs May ApplyLive

Have you (and your spouse, if any) never owned a home anywhere?

Is the home new / substantially renovated, or resale?

Will it be your principal residence?

Using registered savings for the down payment?

This maps programs to your answers — it is not an eligibility decision. Each program has its own binding test (CRA forms, the Ministry of Finance affidavit). Confirm with the linked calculator and a professional.

Live analysis

Programs that may apply4

Programs matched4

New buildYes

First-timeYes

Breakdown

Ontario Land Transfer Tax first-time buyer refund — up to $4,000 provincial, plus $4,475 in Toronto. See the FTHB and LTT tools.May apply

HST New Housing Rebate — federal (max $6,300) and Ontario (max $24,000) on a new build. See the HST Rebate tool.May apply

First-Time Home Buyers' GST Rebate — up to $50,000 on new homes to $1M (phasing out to $1.5M), for agreements after March 19, 2025. Verify status with the CRA.May apply

FHSA — deduct up to $8,000/yr ($40,000 lifetime) and withdraw tax-free for a first home. See the FHSA Stacker.May apply

A router, not a ruling. Ownership, spousal history, timing and residence tests decide each program — use the linked calculators (FTHB, HST Rebate, FHSA) and confirm with the CRA and a professional before relying on any figure.