The Canada Revenue Agency administers all three, and Saskatchewan adds its own First-Time Homebuyers' Tax Credit on top. None of these arrive as cash in hand at your offer; the RRSP and FHSA withdrawals fund your down payment directly, while the tax credits reduce what you owe when you file, which means a first-time buyer still needs enough liquid savings to close before some of the benefit shows up.
Combined, a couple who are both first-time buyers can access up to $120,000 through the Home Buyers' Plan alone, plus their combined FHSA contributions, which meaningfully changes what down payment is realistic on a Saskatoon purchase.
Joel Dyck connects first-time buyers with a lender who maps out exactly which programs apply and in what order before you make an offer. Get your hand-reviewed valuation from Joel Dyck.