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Canadian First-Time Home Buyer Workbook - FHSA, Home Buyers' Plan, Land Transfer Tax and Closing Costs in Plain Language
Buying your first home in Canada, minus the jargon and the panic. This 30-page printable workbook walks the whole road in order: the first-buyer money stack (FHSA $8,000 a year to $40,000, RRSP Home Buyers' Plan up to $60,000, Ontario land transfer tax refund up to $4,000 plus Toronto up to $4,475), eligibility checks, affordability math with GDS and TDS, down payment minimums worked out by price, FHSA and HBP trackers, a 12-month savings tracker, closing costs at the 1.5% to 4% rule, pre-approval documents, the stress test and 30-year amortization, CMHC insurance explained, viewing scorecards, offer and inspection checklists, new-build GST/HST rebates, a closing countdown and a first-year homeowner budget. Print on US Letter or A4. Made for Canadian renters 25-40 saving for a first home. 30 printable pages in a Deep Navy and Maple palette. Educational planning tool only - not mortgage, legal or tax advice; verify figures with CRA, CMHC and your professionals. Pairs with the Canadian Financial Wellness Workbook in the Cheat Sheets and Workbooks collection. CA$3.99.
What's included
- Welcome and How to Use This Workbook
- The First-Home Money Stack at a Glance
- Are You a First-Time Buyer? The Eligibility Check
- Your First Home, Defined
- Your 12-Month Roadmap to Keys
- Credit Score Builder
- Affordability: GDS and TDS in Plain Language
- How Much House Can You Honestly Afford?
- Down Payment Minimums, Worked Out
- FHSA Tracker: Your First $40,000
- RRSP Home Buyers' Plan Tracker
- Stacking the FHSA and the Home Buyers' Plan
- Down Payment Savings Tracker: 12 Months
- Land Transfer Tax and the First-Buyer Refunds
- Closing Costs Checklist: The 1.5% to 4% Rule
- The Full Purchase Budget on One Page
- Mortgage Pre-Approval Document Checklist
- The Stress Test and 30-Year Amortization
- Fixed or Variable? Choosing Your Mortgage
- CMHC Mortgage Default Insurance, Explained
- Wants vs Needs: The House-Hunting Filter
- Home Viewing Scorecard
- Comparing Your Top Three Homes
- Making an Offer: The Checklist
- Home Inspection Checklist
- New-Build Buyers: GST/HST Rebates
- Closing Day Countdown
- Moving Week Planner
- Your First-Year Homeowner Budget
- Your Next 90 Days: The Action Plan
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