City overlay · Buying your first home in Canada

First-time home buyer programs in Montréal

Montreal's Home Purchase Assistance Program is the largest municipal first-home grant in Canada. New-build buyers can receive up to $15,000 in non-repayable assistance, and families with children can add a welcome tax refund of up to $7,000.

Reviewed by Ben Stevenson, Managing Editor, Canadian Money Help Updated April 20, 2026 Methodology

Up to $15,000 HPAP new build (family)

Up to $5,000 HPAP single/couple (new build)

Up to $7,000 Welcome tax refund (family, existing home)

Municipal programs

Home Purchase Assistance Program (HPAP), new builds

Lump-sum financial assistance for first-time buyers purchasing new homes in Montreal. Amount depends on household type, home price, location, and environmental certification.

Eligibility

First-time buyer in Montreal
Purchase a new or recently built home
Home price within program ceiling for household type

Form: Apply via Ville de Montréal

HPAP, existing homes (families)

Welcome tax refund for families with at least one child under 18 purchasing an existing home priced up to $725,000.

Eligibility

Family with at least one child under 18
First-time buyer
Existing home in Montreal
Purchase price up to $725,000

Form: Apply via Ville de Montréal

What else to know

HPAP assistance is available in addition to the federal FHSA, HBP, and HBTC, and the Quebec provincial Home Buyers' Tax Credit of up to $1,400.
New-build assistance increases by $2,500 for environmentally certified homes and by $5,000 for downtown locations.
Program caps and eligibility bands are reviewed periodically. Confirm current thresholds before making an offer.