HomeToolsFirst-Time Buyer Checklist

Free printable checklist

First-Time Home Buyer Checklist

A province-specific timeline of what to do — and when — so you don't miss rebates, documents, or deadlines.

Your situation

Province

Purchase type

Employment

Down payment source

Email (optional)

Do now

Check your credit score (Equifax/TransUnion) and dispute errors
Calculate your total budget including down payment + closing costs
Research first-time buyer rebates in ON
Get pre-approved for a mortgage to know your real buying power
Open a First Home Savings Account (FHSA) if eligible

30 days before offer

Find a real estate agent familiar with your target area
Start viewing homes within your pre-approved range
Compare mortgage rates from at least 3 lenders or a broker
Book a home inspector for any serious offer

After offer accepted

Submit final mortgage application with the accepted offer
Hire a real estate lawyer to handle closing
Arrange home insurance effective on closing date
Review Statement of Adjustments before closing
Wire down payment and closing costs to your lawyer

After closing

Change locks and set up utilities
File for first-time buyer tax credits (e.g., HBTC)
Set up property tax payments with your municipality