{"id":128,"date":"2026-10-22T10:00:00","date_gmt":"2026-10-22T10:00:00","guid":{"rendered":"https:\/\/www.donnamalonehomes.com\/blog\/?p=128"},"modified":"2026-10-22T10:00:00","modified_gmt":"2026-10-22T10:00:00","slug":"nova-scotia-offers-two-paths-for-first-time-buyers","status":"publish","type":"post","link":"https:\/\/www.donnamalonehomes.com\/blog\/2026\/10\/22\/nova-scotia-offers-two-paths-for-first-time-buyers\/","title":{"rendered":"Nova Scotia Offers Two Paths for First-Time Buyers"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/donna-malone\/first-time-home-buyers-incentives-in-nova-scotia-remotion-videos-e668\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Nova Scotia offers two main paths: an interest-free 5% down payment loan, or a credit union mortgage needing only 2% to 4% down.<br \/>\nThe provincial loan is interest-free and repaid over 10 yr, with household income below $145K and regional purchase caps of $570K, $375K, or $300K.<br \/>\nThe credit union mortgage allows 2% to 4% down, skips default insurance, and fits households with income below $200K or credit between 630 and 650.<br \/>\nNew builds may unlock a provincial HST rebate up to $3K, but buyers still owe municipal deed transfer tax, usually 0.5% to 1.5%.<br \/>\nThe two provincial routes are alternatives, but federal savings, retirement withdrawals, tax credits, and the federal HST rebate can generally be layered on.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nova Scotia offers two main paths: an interest-free 5% down payment loan, or a credit union mortgage needing only 2% to 4% down. The provincial loan is interest-free and repaid over 10 yr, with household income below $145K and regional purchase caps of $570K, $375K, or $300K. The credit union mortgage allows 2% to 4% [&hellip;]<\/p>\n","protected":false},"author":115,"featured_media":129,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/posts\/128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/users\/115"}],"replies":[{"embeddable":true,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/comments?post=128"}],"version-history":[{"count":1,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/posts\/128\/revisions"}],"predecessor-version":[{"id":130,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/posts\/128\/revisions\/130"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/media\/129"}],"wp:attachment":[{"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/media?parent=128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/categories?post=128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.donnamalonehomes.com\/blog\/wp-json\/wp\/v2\/tags?post=128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}