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Ontario's Premier Down Payment Program

Get Up to $25,000 For Your First Home

50% commission rebate as down payment boost plus dedicated advisors guiding you from pre-approval to keys-in-hand.
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No Loans
No Equity
No Credit Check
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Your Path to Homeownership

Upfront Cash for your Home Purchase

Secure your home purchase through Zown and receive 1% of the purchase price back at closing as a Down Payment Boost

Eligibility Requirements
To qualify for our program, you must have the following:

  • Annual household income of $90,000
  • Minimum savings of $15,000
  • Minimum credit score of 620

Find out how much you qualify for today!

Apply Now

Property Price

$700,000
$100K$3.0M

Down Payment Needed

$45,0006.4%

Zown's Contribution

$8,7501.25%

New Down Payment Needed

$38,000
Save 19.4%
Apply Now
How Does Zown Work?
Four steps of buying a home with Zown
1
Schedule a call
Schedule a Call

Speak with a Zown expert to discuss your home buying goals and how getting 1% of the price back can boost your purchasing power.

2
Boost Your Budget
Boost Your Budget

We'll help you get pre-approved quickly through our mortgage partners so you can start your home search with confidence.

3
Go Home Shopping
Go Home Shopping

Work with your personal account manager for tailored home recommendations, and work with your local Zown agent to view & find the perfect fit.

4
Close with Confidence
Close with Confidence

A week before closing, Zown provides your upfront cash back, ensuring a smooth finish. We also handle the legal and closing details, so you can move in stress-free.

Know Your Numbers

Calculate Your Affordability

Find out what's within your reach and take the first step toward owning your dream home with no stress and complete clarity.

The total income for your household before taxes
Include RRSP, FHSA, TFSA etc. savings if applicable
What you currently pay monthly for loans, credit cards, or other debts.
Your Current Buying Power
Maximum Affordability$0
Zown's Contribution $0
Total Mortgage Savings (30-Years)$0
Qualify For This Amount
Down Payment Needed (5%)
$0
Zown's Contribution
$0
New Down Payment Needed
$0
Client Success Stories
Suren & Marina
Suren and Marina arrived in Canada in 2019 as professionals under the Skilled Immigrant program. Like many new immigrants, they were overwhelmed by the Canadian housing market - unsure if their household income could support a mortgage, where to buy, or how to navigate the process.

With Zown's help, they received:

$12,000 in upfront funds for their down payment
Guidance through the entire home buying process
A lower mortgage rate than they could find elsewhere
Client Success Stories
Suren & Marina
Suren and Marina success story
First Home Learning Center
Smart Steps to Homeownership
Navigate your journey from dreaming to owning with confidence. We've tailored each resource to help Ontario first-time home buyers make smarter decisions, avoid costly surprises, and get the most out of every dollar. No jargon, just guidance.
Get Started
First Home Savings Accounts
Saving Up
First Home Savings Accounts
Cashback with Zown
Extra Cash
Cashback with Zown
No Credit Check Pre-Qual
Mortgage 101
No Credit Check Pre-Qual
Finding the Right Fit
Home Search Tips
Finding the Right Fit
New Housing Rebates
Get a Bigger Tax Return
New Housing Rebates
Land Transfer Taxes
Closing Fees
Land Transfer Taxes
Save Faster for Your Down Payment
Unlock the Best Savings Methods for Homeownership
Buying a home is a major financial step, but the right savings strategy can make it easier. Canada offers powerful tools to help you grow savings faster, maximize tax benefits, and make homeownership more affordable. From government-backed programs to flexible savings options, these methods ensure you get the most out of every dollar.
Upfront cashback visual
Method 1 - Zown Down Payment Boost
Upfront Cashback
Securing a home requires more than just a strong offer - it demands financial flexibility. With our Down Payment Boost, you can receive 1% of the purchase price back at closing, money that can help cover closing costs, legal fees, or other upfront expenses.

  • Get 1% of the purchase price back at closing
  • Use the funds toward closing costs, legal fees, or adjustments
  • Maintain your savings for moving expenses or home improvements
  • No complicated repayment terms - just more financial confidence when buying


By giving you a head start, we make homeownership more accessible, ensuring you can secure your dream home without unnecessary financial strain.
First home savings account visual
Method 2 - FHSA
First Home Savings Account
The First Home Savings Account, introduced in 2023, is the most powerful savings tool in Canada for first-time home buyers. This allows you to deposit within a tax-free account to let you save towards your future home. The best part is if unused, this rolls into your RRSP effectively doubling your contribution room without affecting your RRSP limits.
  • Contribute up to $40,000 tax-free specifically for your first home, with an annual contribution limit of $8,000
  • Contributions are tax-deductible, similar to an RRSP, this would mean your taxable income can be reduced by $8000 each year you contribute
  • Withdrawals for a home purchase are completely tax-free
  • 15-year maximum participation period from the date you open the account
Registered retirement savings plan visual
Method 3 - RRSP
Registered Retirement Savings Plan
If you have existing RRSP savings, the Home Buyers' Plan allows you to withdraw funds for a home purchase while deferring tax obligations. However, you are required to repay that contribution you had made to your RRSP over the next 15 years.

  • Withdraw up to $60,000 tax-free from your RRSP ($120,000 for couples)
  • Funds must be repaid within 15 years to maintain tax-advantaged status
  • Repayments start the second year after withdrawal with a minimum annual repayment of 1/15 of the amount borrowed
  • Best suited for those with an established RRSP account
  • Must be a first-time home buyer or have not owned a home within the previous 4 calendar years
  • Furthermore, withdrawn funds must be used within 30 days of receiving them
Tax free savings account visual
Method 4 - TFSA
Tax Free Savings Account
Another flexible method for approaching your down payment would be utilizing a Tax-Free Savings Account, which offers significant advantages for both short- and long-term savings goals. However, you will need to carefully review how the contribution limits work with calculators such as these.

  • Earnings and withdrawals are tax-free
  • No restrictions on how funds are used
  • Withdrawn amounts are added back to your contribution room the following calendar year if you withdraw $20,000 you get back $20,000 in contribution room
  • A great supplemental savings tool alongside your RRSP and FHSA
  • No tax deduction for contributions, but all growth and withdrawals remain tax-free
You’re One Step Closer To Home
Apply today to unlock non-repayable, equity-free funds for your home purchase and get personalized support every step of the way.
Apply Now
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Helping Canadians buy and sell homes smarter — with more savings, better support, and less stress.

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Disclaimers and footnotes

ZOWN Realty is a fully registered brokerage under the Real Estate and Business Brokers Act, 2002 of Ontario.

Zown's Down Payment Boost is administered through Zown Technologies Inc. All mortgage-related rates, terms, and qualifications are provided through Vine Mortgage Group. Zown does not guarantee mortgage approval and is not a direct lender.

The trademarks MLS*, "Multiple Listing Service" and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA, used under license. REALTOR®. Member of the Canadian Real Estate Association and more. The trademark DDF® is owned by The Canadian Real Estate Association (CREA) and identifies REALTOR.ca's Data Distribution Facility (DDF*). Data is deemed reliable but is not guaranteed accurate by OREB, TRREB, RAHB, WECAR and SREB, as the case may be. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.