First Home Financial Planning Toolkit

CURRENT 2026 RESOURCE EDITION

The current 22 page PDF adds a tax smart home buying example and a link to the free VeeLegacy interactive mortgage calculator. It covers FHSA, RRSP Home Buyers’ Plan considerations, closing costs and reusable planning worksheets.

FIRST HOME FINANCIAL PLANNING TOOLKIT

The home price is only the beginning. Open this guide for the costs, savings questions and practical checks that belong in your purchase plan.

This 22 page Canadian toolkit contains four short lessons, four printable planning sheets, a worked purchase example, common questions and a 30 day preparation plan.

WHAT IS INSIDE

• A four step purchase roadmap covering your price range, sources of cash, program and lender requirements, and the ongoing cost of ownership.

• Minimum down payment rules and why the minimum down payment is different from the total cash needed to close.

• Closing cost categories to investigate: land transfer taxes, legal and registration costs, inspection, appraisal, builder adjustments, upgrades, moving and setup.

• FHSA and RRSP Home Buyers’ Plan explanations, including eligibility, contribution or withdrawal questions, timing and HBP repayment responsibilities.

• New home GST/HST rebate and provincial rebate questions, including checking whether a builder has already credited a rebate.

• Monthly ownership expenses beyond the mortgage: property taxes, insurance, utilities, condo fees where applicable and maintenance reserves.

• Rate and expense stress testing prompts, financing conditions and questions about deposits, occupancy and closing adjustments.

• A worked $650,000 home example showing the down payment calculation and the additional costs to plan for.

• Common questions on combining FHSA and HBP, pre approval, rebates and retaining cash after closing.

• A 30 day purchase preparation plan and clickable official Canadian resources.

THE FOUR PRINTABLE WORKSHEETS

1. Upfront Cash Needed: compare estimated and confirmed costs and funding sources.

2. Monthly Ownership Cost: list recurring housing expenses and a comfortable monthly ceiling.

3. Lender and Lawyer Review: a checklist of financing, closing cost, account, rebate and contract questions.

4. Purchase Readiness Decision Sheet: record your price range, remaining cash, biggest risks, unanswered clauses and next appointment.

YOUR DOWNLOAD

One 22 page PDF containing the guide and printable worksheets. The bundle includes a separate editable Home Purchase calculator; that spreadsheet is not part of this individual listing.

FORMAT & DELIVERY

Digital download only. No physical book is shipped. Read the PDF on your phone, tablet or computer, or print the worksheets for your own use.

General education and planning resources. Rules, eligibility and third party services can change. No personalized advice or guaranteed financial, employment or business outcome is included.

Start with the RESOURCE_EDITION PDF. A previous edition is retained for reference.