The Canada Revenue Agency administers the tax credits and the registered accounts. The Home Buyers' Plan lets a buyer withdraw up to $60,000 from an RRSP toward a down payment, repaid over 15 years, while a First Home Savings Account allows contributions up to $8,000 a year to a lifetime limit of $40,000, with the contribution deductible and the eventual withdrawal tax free.
None of these programs are grants in the sense of free cash handed over at closing. The tax credits arrive as a refund the following spring, and the savings accounts require you to have set money aside in advance, so the real benefit comes from planning a year or more ahead of a purchase, not from applying the week you find a home.
Stacking the Home Buyers' Plan withdrawal with an FHSA contribution gives many first-time buyers in Saskatoon a meaningfully larger down payment than either program alone. Get your hand-reviewed valuation from Joel Dyck.