Down Payment Assistance Program

The Down Payment Assistance Program (DPAP) assists Nova Scotians with modest incomes who pre-qualify for an insured mortgage to purchase their first home. Eligible participants can apply to receive an interest-free repayable loan of up to five per cent of the purchase price of a home.


  • The purchase price of the home may not exceed $300,000 in the Halifax Regional Municipality (HRM) and $200,000 in the rest of the province.
  • Participants must have good credit and be pre-approved for an insured mortgage by a recognized financial institution.
  • For an applicant to be eligible for the assistance, the following criteria must be met:
    • The property is in Nova Scotia
    • The applicant is a first-time home buyer
    • The applicant does not have the financial ability to pay 5% of the purchase price of the property without assistance of the program.
    • The applicant is pre-approved for an insured mortgage by a recognized financial institution
    • The applicant has a satisfactory credit rating
    • The applicant has reviewed the educational material for first-time home buyers provided by Housing Nova Scotia (see below)
    • The applicant’s total household income is less than $75,000
    • The applicant is a Canadian citizen or has permanent resident status
    • The applicant has resided in Nova Scotia for at least 12 months
  • The purchased property must be the applicant’s principal residence; rental properties, seasonal and recreational properties are not eligible. 
  • Mobile homes are eligible ONLY if they are permanently affixed to a property owned by the applicant.


  • The loans are interest-free and are repayable over ten years. Participants may waive their payments in the first year.
  • The loan must go toward the down payment and cannot be used for financing, closing or other costs.
  • The down payment assistance loans can range between up to $10,000 and up to $15,000.

Additional Information:

  • The program is based on a first come, first served basis. Unused monies in any area may be redistributed if take up is not on target in any of the four regions.


Download your application form here:


The following supporting documentation is required to process your application:

  • 2020 Income Tax slips (T-slips) and associated 2020 Notice of Assessment from the Canada Revenue Agency (CRA). Your T-slips should equal the total ($) Amount found on Line 15000 (formely 150) of your Notice of Assessment. Consideration will be given to 2019 Assessments where receipt of 2020 Assessments from Canada Revenue Agency has been delayed.​
  • A copy of your Option "C" Report available by calling the Canada Revenue Agency at 1-800-959-8281.
  • A copy of your most recent pay stub.
  • A copy of your Pre-Approval for first mortgage financing.
  • A signed affidavit showing no previous home ownership.The affidavit can be signed by a Commissioner of Oaths, including a barrister of the Supreme Court of Nova Scotia, Canadian Armed Forces officers on active duty, Members of the Legislative Assembly of Nova Scotia, municipal chiefs of police, commissioned officers of the RCMP on active service, non-commissioned officers of the RCMP head of a detachment on active service in Nova Scotia, and funeral directors.
  • A copy of your Agreement of Purchase and Sale
  • A written verification of employment confirming your date of hire, position, annual income for 2020, employment status: Full Time, Part Time, Casual, Seasonal, Term and the probability for future or continued employment.

Your application cannot be processed if proper verification of income, as noted above, is not provided.

HNS requires five business days to process an application, applicants are encouraged to submit an application at least five business days from the designated financing deadline typically found under “Buyer’s Conditions” on the purchase and sale agreement. HNS is not responsible for late submissions that result in missed deadlines; Applicants are advised to please call toll free 1-844-424-5110 to set up an appointment if they wish to visit our office to submit an application or require assistance from one of our staff members.


Educational Material:

Loans under DPAP will only be disbursed to eligible applicants who confirm they have reviewed the educational material listed below.  For your convenience, the material is available below.  Please note that the Educational Material Confirmation Form must be signed and submitted only following receipt of provisional loan approval.


    Homebuying Step by Step: Your guide to buying a home in Canada




    DPAP Educational Material for first time homebuyers



    DPAP Declaration Form