Free download · Calgary

Your first home in Calgary, mapped before you make an offer.

Real down payment numbers, a neighbourhood-by-budget breakdown, and why today's softer Calgary condo market is actually working in first-time buyers' favour — no jargon, no steps skipped.

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Ryan Sceviour REALTOR® · CIR Realty

What's inside

The Calgary First-Time Buyer Guide

Real down payment math

The 5% minimum, plus how the FHSA (up to $40K, tax-free) and the RRSP Home Buyers' Plan (up to $60K) stack together.

Rent vs. buy, run head to head

An actual Calgary comparison for a starter condo — monthly cost, what you keep, and the 3–5 year breakeven point.

Neighbourhoods by budget

From Beltline and Mission under $320K to family-ready Auburn Bay and Evanston — matched to what you can actually afford.

What things really cost

Upfront cash and monthly ownership laid out line by line: CMHC premium, condo fees, insurance, property tax.

Alberta's tax advantage

No provincial sales tax, no percentage-based land transfer tax — often thousands back in your pocket at closing.

A step-by-step readiness checklist

The credit score to aim for, the mortgage stress test explained, and the mistakes that cost first-time buyers money.

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