Down Payment Assistance Program



The First Time Home Buyers Down Payment Assistance Program provides low to moderate income families with their first home.  The Pas CDC has been granted funding to place eight (8) families in their first home. The Pas CDC has prepared a program for prospective home buyers to complete, and upon completion of the program, the prospective home-buyers will be placed in their first home.

Qualifying Criteria:

  1. Applicants annual household income not to exceed the limit of $75,592

    • Total income includes wages and salaries, net income from self-employment, investment income, retirement pensions, and miscellaneous income such as alimony or government transfer payments of all household members 18 years of age and older

  2. Applicants must not currently own a home or have any vested interest in a residential property within the past 5 years

  3. Applicants must be a household with dependents

  4. The home-buyers should qualify for a mortgage from a National Housing Act approved lender and the initial mortgage term should not be less than five (5) years

  5. Applicants must be a Canadian citizen

First Step – Mortgage Pre-Approval

When you schedule an appointment with your financial institution to discuss a mortgage pre-approval, ask what documents you will be required to bring with you to the appointment. Below are some commonly requested items:

  • Confirmation of your income and/or employment earnings (last three pay stubs, one- or two-years Income Tax “Notice of Assessment” papers from CRA, letter of employment, T1 General

  • Name and address of employers for last 3 years

  • Your banking information (if at a different bank)

  • Proof that you have a down payment plan to get the down payment (mention that you plan to apply for The Pas Down Payment Assistance Program which can get you up to $14,625 for a down payment + $1,500 to go towards legal costs)

  • A list of assets and liabilities

  • Estimates for your monthly housing expenses, including utilities, car payments, loans, etc.


Once you have a mortgage pre-approval, please send the pre-approval to or contact 204-627-1118. Once we receive the pre-approval, we will send the application for the program.


Please contact The Pas Community Development Corporation if you have any questions!