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Buying your first home in Manitoba

What Manitoba’s own government pages say about buying a first home, with the federal accounts and credits that apply in every province. Each item shows the sentence we read and a link to it.

Published October 15, 2026. Last checked October 14, 2026.

Deadlines and time limits

Land Transfer Tax: Planned changes to the tax avoidance rules take effect January 1, 2027

The federal FHSA and Home Buyers’ Plan have time limits too. See the federal programs.

Land Transfer Tax

First-time buyers: Not stated on the land transfer tax page. The Manitoba Housing page for the Affordable Homes Program says Manitoba Housing pays the land transfer tax and fees for qualified applicants in that program (see programs).
Deadlines: Planned changes to the tax avoidance rules take effect January 1, 2027
Source: “Transferees are required to pay land transfer tax, with some exceptions, and a registration fee upon registration of transfer of title at the nearest land titles office.”
Manitoba Finance: Land Transfer Tax

What Manitoba lists for first-time buyers

OpenLoan

Affordable Homes Program

10 per cent
of the purchase price, forgiven over five years
15 or 25 per cent
of the purchase price, forgivable after 15 years of continuous ownership and occupancy

Manitoba Housing offers down payment assistance, paid land transfer tax and fees, and two grants to qualified buyers of homes owned by Manitoba Housing in select rural communities. Only properties sold directly by Manitoba Housing qualify, and urban centres with rental demand are excluded.

Source: “The down payment assistance has two components - one is 10 per cent of the purchase price and the other is 15 or 25 per cent of the purchase price.”
Manitoba Housing: Affordable Homes Program

Amount in full

Down payment assistance in two parts, with land transfer tax and fees paid and two grants.

What the program provides
Item	What the page states
Down payment, part one	10 per cent of the purchase price, forgiven pro rata over five years
Down payment, part two	15 or 25 per cent of the purchase price, forgivable after 15 years of continuous ownership and occupancy. The 25 per cent amount requires household income not above $48,500 (effective January 2026)
Land transfer tax and fees	Paid by Manitoba Housing
Legal fees and other costs	A $1,500 non-repayable grant
Moving costs	A $1,000 non-repayable grant, only for qualified applicants who purchase a vacant home owned by Manitoba Housing

Who qualifies (5)

Currently rent a home owned by Manitoba Housing in selected rural communities, or want to purchase a vacant home owned by Manitoba Housing in selected rural communities, subject to approval for tenants buying the home they rent
Do not currently own a home or other property
Qualify for a mortgage from a financial institution
Household income not above $70,000 for a household without children, or $93,500 for a household with children or dependants (effective January 2026)
The home is the buyer's principal residence

How to claim or apply

The page links an Affordable Homes Program application form and evaluation form (PDF).

Contact Manitoba Housing at mbrealestateinquiries@gov.mb.ca or 204-451-3960 (1-855-201-4624 toll-free outside Winnipeg).

OpenProgram

Mino'Ayaawag Ikwewag Housing Program

A program delivered through Manitoba Tipi Mitawa that helps First Nations women buy a first home in Winnipeg, with education and support for down payments and closing costs. The province announced $1.125 million in funding on December 17, 2025. The page gives no per-buyer amount.

Source: “The program is open to First Nations women who are single or have children, have lived in Manitoba for at least 10 years and have total household incomes below $106,212.”
Manitoba news release: Manitoba Government Invests in First Nations Women's Homeownership Through Mino'ayaawag Ikwewag

Who qualifies (3)

First Nations women who are single or have children
Have lived in Manitoba for at least 10 years
Total household income below $106,212

How to claim or apply

The news release points to the Manitoba Tipi Mitawa First Nations Housing Program (Manitoba Real Estate Association) for more information.

Federal items that apply in every province

The FHSA, the Home Buyers’ Plan and the home buyers’ amount apply wherever you live. Amounts, conditions, time limits and sources are on one federal page.

First Home Savings Account (FHSA)
- $8,000
  participation room in the year you open your first FHSA
- $40,000
  lifetime limit on what you can deduct
Time limits
The Home Buyers' Plan
- $60,000
  total you can withdraw from your RRSPs
- 15 years
  at most to repay
Time limits
Home buyers' amount
- $10,000
  you can claim on line 31270
Time limits

What we looked for and did not find

Not listed in the pages we checked:

a land transfer tax exemption, rebate or refund for first-time buyers in general. The land transfer tax page lists no such relief, and the exemptions in sections 113 and 114 of The Tax Administration and Miscellaneous Taxes Act do not include one.
the current dollar amount of the registration fee charged at the land titles office. The Land Titles Fees Regulation (M.R. 71/2014) gives a base amount of $81.76 for a transfer of land and adjusts it each year.
any municipal land transfer tax in Manitoba.
a Manitoba government down payment assistance program open to first-time buyers in Winnipeg or Brandon outside the Affordable Homes Program and the Mino'Ayaawag Ikwewag Housing Program.
how Manitoba treats the FHSA or the RRSP Home Buyers' Plan for provincial purposes.

Common questions

What tax or fees apply when you buy a home in Manitoba?

Manitoba charges a land transfer tax, with some exceptions, plus a registration fee, when a transfer of title is registered at a land titles office. The tax is worked out on the fair market value of the property on the registration date, in bands from 0% to 2.0%. The 2026 budget bulletin announced planned amendments to prevent avoidance of the tax, planned to take effect on January 1, 2027. For first-time buyers: Not stated on the land transfer tax page. The Manitoba Housing page for the Affordable Homes Program says Manitoba Housing pays the land transfer tax and fees for qualified applicants in that program (see programs).

What first-time home buyer programs does Manitoba list?

Manitoba's own pages list Affordable Homes Program and Mino'Ayaawag Ikwewag Housing Program. Each one is covered further down the page, with its amount, its conditions and a link to the source.

Can I use the FHSA and the Home Buyers' Plan together?

The CRA says you can withdraw amounts from your RRSPs under the Home Buyers' Plan and make a qualifying withdrawal from your FHSAs for the same qualifying home, as long as you meet all of the conditions at the time of each withdrawal.

See where you stand before you save

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Other provinces and territories

Sources we read

This page is information, not advice. We read these pages on October 14, 2026. Programs, amounts and deadlines change, so confirm with the source before you act.

Manitoba

The federal sources are listed on the federal programs page.