{"id":22388,"date":"2025-10-16T13:00:29","date_gmt":"2025-10-16T17:00:29","guid":{"rendered":"https:\/\/www.batirente.com\/?p=22388"},"modified":"2025-10-16T14:50:07","modified_gmt":"2025-10-16T18:50:07","slug":"fhsa-your-questions-our-answers","status":"publish","type":"post","link":"https:\/\/www.batirente.com\/en\/fhsa-your-questions-our-answers\/","title":{"rendered":"FHSA: Your questions, our answers"},"content":{"rendered":"<p><strong>Wondering if you&#8217;re eligible for the FHSA? How much you can contribute? And most importantly, whether you can combine it with the HBP to maximize your down payment? Good news\u2014we\u2019ve got all the answers!<\/strong><\/p>\n<p><strong>Find out the most frequently asked questions to make the most of your FHSA.<\/strong><\/p>\n<h3><strong>ELIGIBILITY<\/strong><\/h3>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>What are the FHSA eligibility requirements?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><p>You can open a <a href=\"https:\/\/www.batirente.com\/en\/my-fhsa\/\" target=\"_blank\" rel=\"noopener\">First Home Savings Account (FHSA)<\/a> if:<\/p>\n<ul>\n<li>You are 18 or older (not more than 71 on December 31)<\/li>\n<li>You are a Canadian resident<\/li>\n<li>You or your spouse or common-law partner didn\u2019t own a primary residence you were living in the year before the account was opened or during the previous 4 calendar years<\/li>\n<\/ul><\/div>\n\t\t\t\t<\/div>\n<h3><strong>CONTRIBUTION<\/strong><\/h3>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>What are the FHSA eligibility requirements?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><p>Your contribution room is $8,000 per year, up to a lifetime limit of $40,000.<\/p>\n<p>If you contribute less than the annual limit, you can carry forward the unused room (maximum $8,000) to the following year.<\/p>\n<p>So each year, you can use up to $8,000 of the unused portion, up to a maximum annual contribution of $16,000.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>What is the FHSA contribution deadline?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>The deadline is December 31 of the tax year. You can deduct your contributions on your tax return the year you make them, or later on to take advantage of the tax deduction in a future year.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Is there a penalty if I exceed my FHSA contribution limit?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>Yes. A 1% tax on excess contributions to an FHSA would apply each month. You can remove this penalty by withdrawing the excess amount. Otherwise, the excess amount is deducted from your contribution limit for the following year.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Can I contribute to my child\u2019s or spouse\u2019s or common-law partner\u2019s FHSA?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>No. You can\u2019t directly contribute to another person\u2019s FHSA. However, you can personally give money to your child or spouse or common-law partner so they can contribute to their FHSA.<\/p>\n<p>In all cases, only the FHSA\u2019s holder can make contributions and claim tax deductions for those contributions. In addition, investment income generated in the FHSA will not go to the person who gave money to the account holder.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Do I have to deduct my contributions on my tax return the same year they are made?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>No. You don\u2019t have to deduct contributions for the year that you make them. This means that contributions you make during a year you are earning a lower income could be used to reduce your taxable income for a year you\u2019re earning a higher income.<\/p>\n<p>For example, a student with a part-time job can contribute $1,000 to their FHSA but wait until they have a higher salary after they graduate before applying the corresponding deduction. They could then get better tax savings.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Can I combine my FHSA with my spouse\u2019s or common-law partner\u2019s FHSA to buy a qualifying home?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>Yes, you can combine your FHSA funds to buy a first qualifying home.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Can I withdraw more than $40,000 from my FHSA?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>Yes, you can withdraw more than $40,000 from your FHSA. Depending on your investment strategy and resulting gains, you may be able to withdraw more than your total contribution amount if your investment does well. Also, any investment income generated in your FHSA is tax-free.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Do I have to pay back the FHSA?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>Unlike RRSP withdrawals under the HBP, you don\u2019t have to pay back the money you withdraw from your FHSA.<\/div>\n\t\t\t\t<\/div>\n<h3><strong>FHSA VERSUS HBP<\/strong><\/h3>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>What is the difference between the FHSA and HBP?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>While both the First Home Savings Account (FHSA) and Home Buyers&#8217; Plan (HBP) can help first-timer homebuyers achieve homeownership, there are a few key differences.<\/p>\n<p>One of the biggest differences is that you will have to pay back the money you withdraw from your <a href=\"https:\/\/www.batirente.com\/en\/my-rrsp-my-retirement\/\" target=\"_blank\" rel=\"noopener\">Registered Retirement Savings Plan (RRSP)<\/a> for the HBP. When you think about it, you are essentially borrowing money from your RRSP (which typically is reserved for your retirement), so you are required to make repayments. But you will have time to do this gradually. You have up to 15 years to top up your account.<\/p>\n<p>On the other hand, with the FHSA, the money you contribute is tax-deductible and the withdrawals are tax-free when you use it towards your qualifying home. Basically, you are not borrowing money so there is nothing you have to pay back.<\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Can I use both the FHSA and the HBP to buy a first home?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>If eligible, you can combine funds from the FHSA and HBP for the same qualifying home purchase. Taking advantage of both can help you save for a down payment.<\/div>\n\t\t\t\t<\/div>\n<h3><strong>CLOSING THE FHSA ACCOUNT<\/strong><\/h3>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Is there a deadline for closing my FHSA account?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>You must close your FHSA by one of the following dates, whichever comes first:<\/p>\n<ul>\n<li>December 31 of the year you turn 71<\/li>\n<li>December 31 of the year of the 15th anniversary of opening your FHSA<\/li>\n<li>December 31 of the year following your first qualifying withdrawal<\/li>\n<\/ul><\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>What happens to my FHSA if I don\u2019t use it?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>If you don\u2019t use the funds in your FHSA, you can choose to:<\/p>\n<ul>\n<li>Transfer the money to a Registered Retirement Savings Plan (RRSP) or a Registered Retirement Income Fund \u202f(RRIF), without affecting your RRSP contribution room and without paying tax the year of the transfer<\/li>\n<li>Withdraw the money and pay the tax on that amount<\/li>\n<\/ul><\/div>\n\t\t\t\t<\/div>\n<div class='et-learn-more clearfix'>\n\t\t\t\t\t<h3 class='heading-more'>Will transfers from my FHSA to my RRSP affect my RRSP contribution room?<span class='et_learnmore_arrow'><span><\/span><\/span><\/h3>\n\t\t\t\t\t<div class='learn-more-content'><strong>\n<\/strong>No, such transfers will not affect your RRSP contribution room, but you will not get back any FHSA contribution room corresponding to the funds withdrawn.<\/div>\n\t\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Wondering if you&#8217;re eligible for the FHSA? How much you can contribute? And most importantly, whether you can combine it with the HBP to maximize your down payment? Good news\u2014we\u2019ve got all the answers!<br \/>\nFind out the most frequently asked questions to make the most of your FHSA.<\/p>\n","protected":false},"author":3,"featured_media":22390,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[174,34],"class_list":["post-22388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-your-goals","tag-fhsa","tag-save"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FHSA: Your questions, our answers - B\u00e2tirente<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.batirente.com\/en\/fhsa-your-questions-our-answers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHSA: Your questions, our answers - B\u00e2tirente\" \/>\n<meta property=\"og:description\" content=\"Wondering if you&#039;re eligible for the FHSA? 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