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A first home savings account (FHSA, French: Compte d'épargne libre d'impôt pour l'achat d'une première propriété, CELIAPP) is a financial account offered in Canada since 2023, intended to help first-time homeowners afford a down payment. It has an annual contribution limit of $8000 CAD, up to a total limit of $40,000.
Many first-time homebuyer programs offer a lower-cost first mortgage to help you buy the home, then a second mortgage to help you cover your down payment and closing costs. These second mortgages ...
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