Home Buyers' Plan (Disability)
HBP (Disability)
Allows Canadians with disabilities (or those buying for a related person with a disability) to withdraw up to $60,000 from their RRSP tax-free to purchase a more accessible or functional home, even if they previously owned a home.
Useful Tips for Applying
You must repay the withdrawn amount over 15 years or it is added to your taxable income. Temporary repayment relief applies to first HBP withdrawals made between January 1, 2026 and December 31, 2028: the 15-year repayment period does not start until the fifth year after your first withdrawal, so a first withdrawal in 2026 means your first repayment year is 2031. For a couple, each partner can withdraw their own limit. You can also make a qualifying FHSA withdrawal for the same home if you meet both sets of conditions.
Who May Qualify
You may qualify if: • You have an approved Disability Tax Credit (T2201) certificate • You are buying a home that is more accessible or better suited to your disability needs • You have funds in an RRSP • The home must be acquired before October 1 of the year after the withdrawal year. Note: Unlike the standard HBP, you do NOT need to be a first-time home buyer if you have a disability.
Required Documents
• Approved T2201 Disability Tax Credit certificate • RRSP account information • Purchase agreement or builder's contract for the home • Completed RC96 form (RRSP Home Buyers' Plan application)
How to Apply
1. Confirm your DTC is approved 2. Complete Form RC96 (Lifelong Learning Plan / Home Buyers' Plan withdrawal) 3. Submit RC96 to your RRSP issuer to process the withdrawal 4. Use the funds toward an eligible home purchase 5. Repayments begin 2 years after withdrawal and are spread over 15 years
Common Mistakes to Avoid
• Withdrawing funds that haven't been in the RRSP for 90 days (they won't qualify) • Not starting repayments on time (missed repayments become taxable income) • Assuming you need to be a first-time buyer — disability exempts you from this • Not filing the RC96 form before withdrawing
Preparing an application?
The Application Helper walks you through each question on this benefit's form in plain language.
You may also be eligible for…
Multigenerational Home Renovation Tax Credit
A refundable federal tax credit for renovating a home to create a self-contained secondary unit so a senior aged 65 or older, or an adult eligible for the Disability Tax Credit, can live with a qualifying relative. CRA's page for the 2025 tax year allows up to $50,000 in qualifying expenditures for each qualifying renovation that is completed, and calculates the credit at 14.5% of eligible costs to a maximum of $7,250 for each claim. Those are CRA's 2025 tax-year figures — check the current-year page before you rely on an amount.
View detailsSevere Permanent Disability Benefit
May cancel the repayment of federal and provincial student loans for borrowers whose severe permanent disability prevents them from studying and working.
View detailsRepayment Assistance Plan for Borrowers with Disabilities
Helps student loan borrowers with disabilities who are struggling to repay by reducing or pausing monthly payments based on income and family size, with an extended eligibility period.
View detailsApplication denied?
If your application is turned down, the Appeals Guide explains filing deadlines, escalation levels, and where to find free legal and advocate help.
National resources
HealStroke: Stroke Recovery — Stroke Technology, Inc.
HealStroke is a mobile app for adults after stroke and adult caregivers. Publisher-described features include daily recovery organization, reminders, guided practice and progress records. Free download with in-app purchases. It supports education and self-management alongside professional care; no independent clinical-effectiveness or accessibility certification is claimed.
View detailsStepSafe Technologies Inc.
StepSafe makes a matchbox-sized cellular GPS tracker for children with autism, ADHD or Down syndrome who are prone to wandering (elopement). Parents see live location in an app, get alerts when a child leaves a safe zone, and the microphone is permanently disabled for privacy. Locking wristband and waistband wearables are in development. Devices ship to families in Canada and the US starting February 2027. We also offer a free wandering Safety Kit for parents (printable ID card, safety plan and checklists) at stepsafetech.com/resources.
View detailsFind A Doctor Canada
Find A Doctor Canada is a free, independent online search tool for exploring family-doctor, walk-in clinic and other primary-care options across Canada. Searching for a family doctor can add another burden for people already managing a disability or supporting a loved one — this tool lets users search by location and care type, review reported availability and source notes, and contact clinics directly. It is a navigation tool, not a clinic or medical service; current intake, eligibility and accessibility arrangements must be confirmed with each provider, and acceptance is not guaranteed.
View detailsAccessible Compass is an independent guide — we are not a government agency and do not process applications or approve benefits. We provide general information only, not legal, medical, or financial advice. Program rules may change. Always confirm with official government sources.
