Down Payment Stacking for First-Time Buyers | Your Mortgage Minute

Your Mortgage Minute | Onlendhub · Apr 14, 2026 · 6m

Down payment stacking for first-time buyers is one of the most useful strategies in the twenty twenty-six Canadian market. In this episode of Your Mortgage Minute, Sarah and Mouli break down how to combine the First Home Savings Account, the Home Buyers’ Plan, gifted funds, and closing-cost planning into one practical purchase roadmap. They explain why the minimum down payment is only part of the story, how much cash you really need to close, and how to avoid the common mistake of using every dollar just to qualify. You’ll also hear real examples for six hundred thousand dollar and seven…