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The 2026 Guide to Buying a Home in Ontario

Down payment, the stress test, closing costs, and the 2026 rule changes — in one clear guide, no jargon.

• What you actually need for a down payment (and where the money can come from)
• How the mortgage stress test works, in plain language
• Closing costs to budget for, beyond your down payment
• What changed for 2026 — and what it means for you