Downpayment Assistance Programs

The Region of Waterloo Affordable Home Ownership Program offers eligible first‑time buyers a 5% forgivable down payment loan to help make homeownership achievable. With limited funding and an active waitlist, this program supports low‑ to moderate‑income residents who qualify for a mortgage and want to purchase an approved home within the region. Whether you’re looking at a single family home, townhouse, or condo, this assistance can help you take the first step toward owning a home in one of Ontario’s most vibrant and growing communities. Learn how to qualify and start your path to homeownership in Waterloo Region.

The County of Haliburton Home Ownership Program helps eligible first‑time buyers access down payment assistance to make owning a home in Haliburton or Kawartha Lakes a real possibility. Designed for low‑ to moderate‑income households, this program supports renters who want to transition into affordable homeownership within one of Ontario’s most peaceful and nature‑rich regions. With limited funding available, qualified applicants can receive support toward purchasing a new or resale home and begin building stability in a community known for its lakes, green spaces, and small‑town charm. Learn how to qualify and take the first step toward owning a home in Haliburton County.