Ontario Home Buyer Programs for Returning Buyers (2026)
Updated: January 2026
Quick Answer
Ontario home buyer programs can help reduce upfront costs or improve affordability, but eligibility depends on your ownership history, income, and location. Some programs apply to first-time buyers only, while others can still help returning buyers depending on the circumstances.
Many buyers assume government programs only apply to first-time buyers. In reality, Ontario and federal programs are more nuanced.
This article explains which home buyer programs exist, who they apply to, and how buyers should think about using them strategically.
Who qualifies for home buyer programs in Ontario?
Eligibility depends on the program. Some are restricted to first-time buyers, while others apply based on income, household size, or how long it has been since you last owned a home.
In certain cases, buyers who previously owned a home may qualify again if they have not owned or lived in an owned home within the last four years.
Federal home buyer programs to know
Home Buyers’ Plan (HBP)
The Home Buyers’ Plan allows eligible buyers to withdraw funds from their RRSP to help purchase a home, without immediate tax consequences.
As of current federal rules, individuals can withdraw up to $60,000 per person, with repayment spread over up to 15 years.
Full eligibility details are outlined by the Government of Canada: Home Buyers’ Plan (Canada.ca)
First-Time Home Buyer Incentives
Some federal incentives are restricted strictly to first-time buyers, based on ownership history and income thresholds. These programs change periodically and should always be confirmed directly with official sources before planning around them.
Programs that can help beyond first-time buyers
Purchase Plus Improvements
Purchase Plus Improvements allows buyers to include approved renovation costs in their mortgage, spreading improvement expenses over the life of the loan.
This option is especially useful when buying a home that needs updates but is otherwise well-located or competitively priced.
CMHC provides an overview of how this option works: Purchase Plus Improvements (CMHC) .
Municipal home buyer programs in Ontario
Some Ontario municipalities offer down payment assistance or homeownership support programs. These are usually income-based and subject to annual funding.
Eligibility varies by region, and prior ownership does not always disqualify applicants. Availability can change year to year, so buyers should confirm current intake periods directly with their municipality.
How to use buyer programs effectively
Home buyer programs work best when they are part of a broader strategy, not the sole reason for purchasing.
- Confirm eligibility before relying on a program
- Understand repayment terms and restrictions
- Coordinate programs with your financing strategy
- Avoid stretching affordability just to qualify
For a full overview of the buying process, see the First-Time Home Buyer Guide Ontario .
You can also use the Ontario First-Time Home Buyer Checklist to stay organized as you explore your options.
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Book a Buyer CallFrequently Asked Questions
No. While some programs are limited to first-time buyers, others are based on income, location, or how long it has been since you last owned a home.
In some cases, yes. Buyers who have not owned or lived in an owned home within the last four years may qualify again under federal rules.
Most programs do not lower the purchase price. Instead, they help with down payments, financing flexibility, or upfront costs.
No. Municipal programs depend on annual funding and intake periods. Availability can change without notice, so buyers should confirm details directly.
Buyer programs should support affordability, not replace it. Buyers should ensure the home fits their long-term budget even without incentives.