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First-Time Buyer Program Eligibility
(Province/State-wise)

Not sure if you qualify for special homebuyer benefits? The First-Time Buyer Program Eligibility tool helps you quickly determine whether you meet the criteria for government-backed or lender-specific first-time homebuyer assistance—so you can unlock lower rates, grants, or reduced down payments.



First-Time Buyer Eligibility

Eligibility Result

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What is First-Time Buyer Program Eligibility

The First-Time Buyer Program Eligibility tool is a digital questionnaire or calculator designed to assess whether you qualify for homebuyer programs aimed at first-time purchasers. These programs—offered by governments, lenders, and nonprofit agencies—may include down payment assistance, reduced mortgage insurance, tax credits, and preferential mortgage rates

This tool is especially helpful for new buyers who may not know they’re eligible for such benefits, including individuals who haven’t owned a home in several years, recently divorced buyers, or those who’ve never held property in their name. By identifying which programs you qualify for, this tool empowers you to make homeownership more affordable and attainable.




How it works

First-Time Buyer Program Eligibility Tool

The tool begins by asking a series of questions related to your homeownership history, income level, location, household size, credit score, and type of property you plan to purchase. It then compares your profile against the eligibility criteria of various national, state, and local first-time buyer programs.

For instance, if you haven’t owned a home in the past three years and your income falls below your county’s median income, the tool may identify you as eligible for a state-backed down payment grant or federal FHA loan benefits. It also considers life circumstances—such as being a single parent, a veteran, or a recent college graduate—that could qualify you for niche buyer assistance. By the end, you’ll have a list of programs you likely qualify for, along with guidance on next steps and how to apply.



Frequently Asked Questions

Who qualifies as a first-time homebuye Toggle
Generally, anyone who hasn’t owned a primary residence in the last 3 years qualifies, but some programs also include newly divorced individuals or renters.
What types of benefits do first-time buyer programs offer Toggle
They may include down payment grants, reduced interest rates, waived mortgage insurance, lower closing costs, and homebuyer education incentives.
Do I need a perfect credit score to qualify Toggle
No. Many programs are designed for moderate-income buyers with average credit. FHA loans, for instance, accept credit scores as low as 580 with 3.5% down.
Are there income limits for eligibility Toggle
Yes, many programs are income-based and require your household income to fall below a certain percentage of your area’s median income.
Can I use multiple programs together Toggle
Often, yes. You may be able to combine a state-level grant with a federal mortgage program or lender-based incentive—depending on local rules.