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The Down Payment Playbook
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The Down Payment Playbook

Every legitimate source, Canadian-correct

How much do you really need down in Canada — and where can it come from? Minimums by price band, gifted down payments done right, FHSA/HBP, and how lenders verify your 90-day funds. Ontario examples throughout.

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Inside the guide

7 sections
  1. 1Minimum down by price band (5/10/20%)
  2. 2Insured vs. conventional
  3. 3Gifted down payments + the gift letter
  4. 4FHSA + RRSP Home Buyers' Plan
  5. 590-day proof-of-funds rules
  6. 6Down payment + closing-cost budget
  7. 7Ontario worked examples

Frequently asked questions

Is "The Down Payment Playbook" really free?
Yes. The Down Payment Playbook is a free 18-page guide. Enter your email and we'll send the PDF right away — no cost and no obligation.
What does "The Down Payment Playbook" cover?
It runs 18 pages across 7 sections — including Minimum down by price band (5/10/20%); Insured vs. conventional; Gifted down payments + the gift letter, and more.
Is this guide specific to Canada?
Yes. It's written by the FSRA-licensed team at Mortgage Squad Advisors (Brokerage #13737) for the Canadian market, with rules, programs, and rate context current for 2026.
Do I have to be a Mortgage Squad Advisors client to get it?
No. The guide is free to anyone — whether you're ready to apply or just researching your options.
How do I get advice for my own situation?
Ask Maya, our AI advisor, free 24/7 in 50+ languages, or book a no-obligation call with a senior broker. The guide explains the concepts; we tailor them to your file.
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