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Buying your first home in Nunavut

What Nunavut’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 . Last checked .

Deadlines and time limits

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

Land Titles registration fees

Nunavut sets Land Titles fees by regulation. The published fee regulation is marked as not up to date, so we do not state a current rate here. We did not find a land transfer tax or property transfer tax on the pages we checked.

Source

“Note: This consolidation is not up to date.”

Nunavut Legislation: Land Titles Tariff of Fees Regulations, Consolidation of

What Nunavut lists for first-time buyers

OpenLoan Closes October 30, 2026

Homeownership Assistance Program

  • $250,000

    forgivable loan toward a building material package, over ten years

The Nunavut Housing Corporation (NHC) provides a forgivable loan toward an NHC-approved building material package for a home the applicant builds, along with education, counselling and project support. The 2026 intake is open until October 30th, 2026. The guide says applications are scored with a points system, the number of approved projects depends on available funding, and NHC may limit a year's intake to specific communities. The page does not limit it to first-time buyers, and it is a program to build a home, not to buy one.

Deadlines
  • Intake closes October 30, 2026
Source

“The new NHAP provides a $250,000 forgivable loan over ten (10) years towards the purchase of a material package.”

Nunavut Housing Corporation: Homeownership

Amount in full

$250,000 forgivable loan over ten (10) years towards the purchase of a material package.

The guide describes it as covering the cost of materials and shipping of an NHC-approved housing material package.

The guide states the 10-year period begins when the occupancy permit is issued, no forgiveness is earned in the first 5 years, and 20 per cent is forgiven on each anniversary in the last 5 years.

Who qualifies (7)
  • At least 19 years old and living in Nunavut for at least one year
  • Does not own the home they live in (principal residence)
  • Has not received NHC assistance to buy or build a home within the last 10 years
  • Able to get bank financing for the balance of the project cost not covered by the NHC loan
  • Prepared to contribute sweat equity, or provide skilled labour through other means
  • Must live in the home as a principal residence to receive loan forgiveness
  • Pay any rental or mortgage arrears owed to a Local Housing Organization or NHC before applying. NHC may waive this under a written Repayment of Arrears Schedule.
How to claim or apply

Applications for the 2026 program year are open until October 30th, 2026.

NHC says to download an application form from its website or email homeownership@nunavuthousing.ca.

The guide asks applicants to arrange mortgage pre-approval for the estimated cost of the Build Plan plus 10 per cent.

OpenLoan Closes when funding runs out

Nunavut Downpayment Assistance Program

  • $80,000

    the most you can get, set by income, as a forgivable loan

NHC provides a forgivable loan toward the down payment on a new or existing home bought with a personal mortgage. The amount depends on income as verified by the lender. The page does not limit it to first-time buyers.

Deadlines
  • Applications are processed in the order received until the year’s funds are allocated
Source

“The Nunavut Downpayment Assistance Program (NDAP) provides eligible Nunavummiut up to $80,000 in down payment assistance, with the total amount graduated based on income.”

Nunavut Housing Corporation: Homeownership

Amount in full

Up to $80,000 in down payment assistance, with the total amount graduated based on income.

The guide states between $15,000 and $80,000 as a forgivable loan, forgiven over a 10-year period if the home stays the principal residence and the borrower stays in good standing with NHC and the bank.

The guide states the 10-year period begins when the occupancy permit is issued, no forgiveness is earned in the first 5 years, and 20 per cent is forgiven on each anniversary in the last 5 years.

Who qualifies (6)
  • At least 19 years old and living in Nunavut for at least one year
  • Does not own residential property in their community at the time of application or within the previous 5 years
  • Has not previously received NDAP assistance
  • Pre-approved for a personal mortgage through a CMHC-approved lender, or alternate financing approved by NHC
  • Rental or mortgage arrears with a Local Housing Organization or NHC paid before applying, unless NHC waives this in writing under a repayment schedule
  • NHC may restrict NDAP funding or apply different eligibility criteria in certain communities, and may waive eligibility rules in extenuating circumstances.
How to claim or apply

The guide says to obtain mortgage pre-approval and submit an application to NHC, and that applications are processed in the order received until the annual NDAP funds are allocated.

Contact NHC at homeownership@nunavuthousing.ca or 844-413-9355.

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.

What we looked for and did not find

Not listed in the pages we checked:

  • a Nunavut land transfer tax or property transfer tax
  • a first-time buyer exemption or refund on Land Titles registration fees
  • a current Land Titles transfer fee rate (the published regulation is marked not up to date)
  • a municipal land transfer tax in any Nunavut community
  • a territorial first-time buyer tax credit, rebate or savings account
  • any territorial tax treatment of the FHSA or the RRSP Home Buyers' Plan
  • application dates or an intake deadline for the Nunavut Downpayment Assistance Program or the Interim Financing Program
  • whether the programs combine with the FHSA or the Home Buyers' Plan
  • a Nunavut program limited to first-time buyers. The Homeownership Assistance Program and the Nunavut Downpayment Assistance Program are shown because they help with building or buying a home. The Interim Financing Program is a short-term construction loan and is not shown.

Common questions

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

Nunavut sets Land Titles fees by regulation. The published fee regulation is marked as not up to date, so we do not state a current rate here. We did not find a land transfer tax or property transfer tax on the pages we checked.

What first-time home buyer programs does Nunavut list?

Nunavut's own pages list Homeownership Assistance Program and Nunavut Downpayment Assistance 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.

The federal sources are listed on the federal programs page.