canada-first-home SKILL.md skillA
canada-first-home from ronitgupta43-ops/country-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add ronitgupta43-ops/country-skills/canada-first-home@git:20261102.5fb2a3dPins git:20261102.5fb2a3d in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- ronitgupta43-ops/country-skills
- Path
plugins/canada-finance/skills/canada-first-home/SKILL.md- Versions recorded
- 2
- Latest version
- git:20261102.5fb2a3d, committed Nov 2, 2026
- First version recorded
- Nov 2, 2026
- Size
- 9,566 bytes
- Repository stars
- 6
- License
- MIT
Plan a first home purchase in Canada - minimum down payment, CMHC insurance, monthly payment, the mortgage stress test, Ontario and Toronto land transfer tax with first-time rebates, and how to use the FHSA and RRSP Home Buyers' Plan. Use when the user asks "can I afford this house", "how much down payment", "will I pass the stress test", "land transfer tax", "closing costs", "FHSA or HBP", or is buying a first home or condo in Canada.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# First home in Canada ## Rules (2026, update every January) | | | |---|---| | Minimum down payment | 5% of the first $500,000 + 10% of the part from $500,000 to $1.5M | | Price $1.5M or more | 20% down, no mortgage insurance | | Mortgage insurance (CMHC, Sagen, Canada Guaranty) | under 20% down: 4.00% (5-9.99% down), 3.10% (10-14.99%), 2.80% (15-19.99%) of the loan, added to the mortgage | | 30-year amortization | insured mortgages only for first-time buyers or new builds; adds 0.20% to the premium | | Stress test | qualify at the higher of 5.25% or your rate + 2% | | Debt limits (insured) | housing costs (GDS) up to 39% of gross income, all debts (TDS) up to 44% | | Ontario land transfer tax | 0.5% to $55k, 1% to $250k, 1.5% to $400k, 2% to $2M, 2.5% above; first-time rebate up to $4,000 | | Toronto adds its own land transfer tax | same rates up to $2M; first-time rebate up to $4,475 | | FHSA | $8,000 a year, $40,000 lifetime, deductible going in, tax-free out for a first home | | RRSP Home Buyers' Plan | withdraw up to $60,000 tax-free, repay over 15 years | ## Run the numbers Don't do mortgage maths by hand (Canadian fixed rates compound semi-annually). Run: ``` …
Read the whole file at its exact version.
How to install
mdr add ronitgupta43-ops/country-skills/canada-first-home@sha256:ea2ef27300909a82The line at the top of this page pins the label git:20261102.5fb2a3d, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_s6vzxcfdouztaqwc)
1 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 2 versions of this file, all committed on Nov 2, 2026.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261102.5fb2a3d latest | 2026-11-02 | 5fb2a3d | 9,566 B | A | view · diff |
| git:20261102.265e067 | 2026-11-02 | 265e067 | 9,560 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (9566 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
ronitgupta43-ops/country-skills · 6 stars · license MIT · pushed 2026-11-06 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_s6vzxcfdouztaqwc GET https://markdownregistry.com/api/v1/resolve?ref=ronitgupta43-ops/country-skills/canada-first-home GET https://markdownregistry.com/api/v1/blob/ea2ef27300909a8225bcdf3b032838700060aad71ad136aba481d3e7780dc617
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.