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Municipality of the District of Argyle

Down Payment Assistance Program (DPAP)

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Housing Nova Scotia offers The Down Payment Assistance Program (DPAP). It assists Nova Scotians with modest incomes who pre-qualify for an insured mortgage to purchase their first home.

For an applicant to be eligible for the assistance, the following criteria must be met:

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  • The property is in Nova Scotia
  • The applicant is a first-time home buyer
  • The applicant does not have the financial ability to pay 5% of the purchase price of the property without assistance of the program.
  • The applicant is pre-approved for an insured mortgage by a recognized financial institution
  • The applicant has a satisfactory credit rating
  • The applicant has reviewed the educational material for first-time home buyers provided by Housing Nova Scotia (see below)
  • The applicant’s total household income is less than $75,000
  • The applicant is a Canadian citizen or has permanent resident status
  • The applicant has resided in Nova Scotia for at least 12 months
  • The purchased property must be the applicant’s principal residence; rental properties, seasonal and recreational properties are not eligible.
  • Mobile homes are eligible ONLY if they are permanently affixed to a property owned by the applicant.


  • The loans are interest-free and are repayable over ten years. Participants may waive their payments in the first year.
  • The loan must go toward the down payment and cannot be used for financing, closing or other costs.
  • The down payment assistance loans can range between up to $7,500 and up to $14,000.

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