Turn Your Tax Refund
Into a Down Payment.
Build a practical path to homeownership by combining your tax refund, savings, and eligible buyer programs. Get a custom strategy with clear numbers and next steps.
Free Strategy Session
24 hours · no obligation
Response in 5 min · No obligation
Trusted by Canada's Top Lenders
Why It Works
Small moves today,
faster homeownership tomorrow.
Most buyers do not need one big lump sum. They need a clean strategy that stacks refunds, savings, and eligible programs in the right order.
Clear Target Number
We calculate your realistic minimum down payment target based on your price range.
Tax Refund Allocation
A defined refund-allocation plan helps move money directly toward your down payment goal.
Program Stacking
Combine FHSA, RRSP Home Buyers' Plan, and rebates where eligible to grow faster.
Timeline Milestones
Set monthly checkpoints so you know exactly when you can start making offers.
Pre-Approval Ready
Align your savings and documents so you can move quickly once your target is reached.
Lower Monthly Cost
A stronger down payment can reduce loan size and improve your monthly affordability.
How It Works
Build your down payment
in 4 clear steps.
Set Purchase Range
Estimate home price range and calculate your minimum down payment target.
Map Your Sources
List tax refund, monthly savings, FHSA contributions, and eligible RRSP withdrawals.
Build Timeline
Create a month-by-month plan so you know your expected readiness date.
Request Pre-Approval
Once you hit target and documentation is ready, compare lender options and move.
Sample Plan
Example: $650,000 purchase
$40,000 down payment target.
Down Payment Programs Comparison
Compare programs you may be able to use alongside your tax refund.
| Program | Max Contribution | Eligibility | Tax Benefit |
|---|---|---|---|
| First Home Savings Account (FHSA) | $40,000 (2023–2024) | First-time buyers, <$95K household income | Tax deduction + tax-free growth |
| Home Buyers' Plan (HBP) | $35,000 per person | First-time buyers, RRSP account holder | Withdraw from RRSP tax-free |
| Combined FHSA + HBP | Up to $75,000 | First-time buyers with both accounts | Maximum down payment boost |
| Land Transfer Tax Rebate (Ontario) | Up to $4,000 | First-time buyers, property < $368,750 | Reduces closing costs directly |
Testimonials
Buyers who used a
smart down payment strategy.
“I was spending my refund every year. This plan showed me exactly how to stack my refund and FHSA savings. We reached our target four months faster.”
Anika R.
Oshawa
“The strategy gave us a real timeline and a number we could trust. Once we hit it, pre-approval and lender matching moved quickly.”
David & Nora T.
Whitby
“The consultation was practical and easy to follow. We combined our refund and RRSP withdrawal correctly and felt confident making offers.”
Chris M.
Ajax
FAQ
Tax refund down payment questions.
Ready to build your down payment plan?
Get a custom strategy using your tax refund and available buyer programs. Free consultation and no obligation.