John, I'd love to help you but buying a home in Canada is different then in the USA.
That being said, is there mortgage insurance available? I was able to buy my first home with 10% down, to avoid mortgage insurance, buyers need 25% down on the purchase price. Also, first time home buyers have the ability to buy with as low as 5% down. In Canada you can also use $20 000 of your RRSP (retirement savings program) to finance your downpayment. However 2 years after, you need to pay yourself back over a 15 year span.
*sigh* but thats here, investigate what the options are in the US.
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