Ron Zeitlin - Professional Real Estate Sales Representative

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24/02/2026
10/11/2025
11/03/2025

📢 Breaking Down Real Estate Lingo

đź’° Term: Down Payment
A down payment is the first payment you make when buying a home. It shows the lender that you’re committed to repaying the mortgage and makes it safer for them to lend you money. It also shows the seller in a real estate deal that you are financially prepared and serious about the purchase, which can strengthen your offer — especially in a competitive market.

âś… In Canada, the minimum down payment is:
➡️ 5% for homes under $500,000
➡️ 10% for the portion of homes priced between $500,000 and $999,999
➡️ 20% for homes priced at $1 million or more

👉 A larger down payment can lower your monthly payments and help you avoid mortgage loan insurance.

💡 Tip: Always consult a mortgage specialist before buying a home. They’ll help you understand what you can afford and set realistic expectations before you start looking at higher-priced homes.

🏡 With years of experience in the real estate industry, we’ve worked with many mortgage brokers, bankers, and specialists. We can help connect you with a trustworthy one — we’ve done the hard work of finding reliable providers so you don’t have to!

Thinking of buying a home? Let’s talk about your next move!




Ron Zeitlin - Professional Real Estate Sales Representative Eric Burgin - Ottawa Real Estate

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