How to save for a down payment while renting in Canada 2026. Use FHSA, RRSP HBP, and TFSA to build up to $100,000 per person — even while paying Toronto or Vancouver rent.
The RRSP Home Buyers' Plan (HBP) lets first-time buyers withdraw up to $60,000 tax-free for a down payment in Canada. Complete 2026 guide with rules, steps, and FHSA comparison.