Buy smarter. Start stronger.

Buying your first home is exciting. Guessing at deposits, closing costs and approvals? Less fun. Start with the numbers and a clear order.

Build a comfortable budget—not just a lender maximum
Know the documents, down payment and cash-to-close
Protect your approval from pre-approval to final key

Plain language · Ontario-focused · Updated August 2026

What’s inside

The money. The paperwork. The order.

Know your numbers

Separate your approval ceiling, comfortable payment and cash-to-close.

Prepare your file

Gather the income, down-payment, debt and identity records lenders expect.

Protect the plan

Understand deposits, closing costs and the financial moves to avoid before closing.

Know your numbers before you fall in love.

A good first purchase starts before the first showing—with a budget, a prepared file and a strategy.

DEOGRACIAS REAL ESTATE GROUP INC.

DEOGRACIAS REAL ESTATE GROUP

Marlon Deogracias & Emmy Ha

(416) 888-9222

marlon@dreg.ca

CENTURY 21 Signature Service Brokerage

CENTURY 21 SIGNATURE SERVICE

186 Robert Speck Pkway, Mississauga, ON L4Z3G1

(905) 896-4622

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