Calm Money Coach
Where Your Down Payment Should Come From First
10:32
FHSA, cash, family money, a regular investment account, RRSP, TFSA, a corporation. Every dollar you pull out has a price tag, and the price is different in every account.
The order I'd use, cheapest first:
FHSA, topped up, then all of it. No later than 30 days after you get the keys.
Cash, but keep 3 to 6 months of expenses. A home needs a cushion.
Family money as a real gift, with your…