On a home near the citywide benchmark of $444,700, the federal minimum down payment rule sets 5 percent on the first $500,000 and 10 percent above that as your floor, but the Saskatchewan REALTORS Association's figures describe the purchase price only, not the full cash-needed-at-closing number a lender and your lawyer will actually ask for. Property tax adjustments, a mortgage discharge if you are also selling, and moving costs round out the real total.
First-time buyers can offset part of this using the Home Buyers' Plan, up to $60,000 from an RRSP, or a First Home Savings Account, up to $8,000 a year to a $40,000 lifetime limit, both of which reduce the cash you need to find elsewhere.
Joel Dyck builds a full closing-cost worksheet with buyers before they offer, so the real number is known upfront, not discovered at the lawyer's office. Get your hand-reviewed valuation from Joel Dyck.