Canada Revenue Agency (CRA) Edition T1036 E (25) 2 pages

Form T1036 — Home Buyers' Plan (HBP) Request to Withdraw Funds from an RRSP

The form you give your bank or other RRSP issuer to take up to $60,000 out of your RRSP under the Home Buyers' Plan to buy or build a qualifying home.

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Form T1036 · Home Buyers' Plan (HBP) Request to Withdraw Funds from an RRSP
The official Canada Revenue Agency (CRA) form, edition T1036 E (25) — blank
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Form T1036 (2025) Home Buyers' Plan (HBP) Request to Withdraw Funds from an RRSP — page 1 of 2
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Form T1036 (2025) Home Buyers' Plan (HBP) Request to Withdraw Funds from an RRSP — page 2 of 2
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Fill this form online Blank PDF from Canada Revenue Agency (CRA)

What is Form T1036?

Form T1036 is the Canada Revenue Agency (CRA) form for withdrawing money from your registered retirement savings plan (RRSP) under the Home Buyers' Plan (HBP). Part A is a questionnaire that works out whether you can make an HBP withdrawal: residency, a written agreement to buy or build a qualifying home, earlier HBP participation, whether you'll live in the home, first-time home buyer status, and the special rules for specified disabled persons and for people whose marriage or common-law partnership has broken down. Part B gives the home's details, and Part C the amount and your certification.

The form states that the most you can withdraw is $60,000, and that generally you must receive all your HBP withdrawals in the same calendar year. It doesn't go to the CRA: you give it to your financial institution, which must fill out Area 2 and keep it. You can also make a qualifying withdrawal from your first home savings account (FHSA) for the same home, as long as you meet all the conditions each time.

FileIt asks Part A in order and only shows the questions that apply to your answers, flags any answer that means you can't make an HBP withdrawal, and prints everything into the CRA's own fillable PDF (edition T1036 E (25)). Your name can be pre-filled from People records in your vault, and the completed form is saved in the person's vault folder so it sits next to the purchase agreement. You sign it and hand it to your RRSP issuer; FileIt never sends it. Filling forms is free on every FileIt plan.

Who fills it
The RRSP annuitant (the participant); the RRSP issuer fills Area 2
Given to
Your financial institution (RRSP issuer), not the CRA
Maximum
$60,000, as printed on the form
Timing
Generally all HBP withdrawals in the same calendar year
Signatures
The participant signs Part C
Edition
T1036 E (25)

Who needs to fill out Form T1036?

  • First-time home buyers who want to use RRSP savings toward buying or building a home in Canada.
  • People who have had a breakdown of their marriage or common-law partnership and qualify under questions 8a to 8e, even if they're not first-time buyers.
  • Specified disabled persons buying or building a home, and relatives helping a specified disabled person buy or build one.
  • Anyone who used the HBP before and has brought their previous HBP balance to zero by January 1 of this year.

When to use Form T1036

  • After you or the person buying or building the home has entered into a written agreement to do so; the form says the agreement must include the date it was signed, the address of the home and the closing date.
  • Before the home has been owned for more than 30 days (question 5), except in the separated-spouse case the form describes.
  • In January, if you're continuing the participation you began last year (question 3b).
  • For each withdrawal, generally all in the same calendar year.

What you need before you start

  • Your written agreement to buy or build the qualifying home, including its address and closing date.
  • Your name, social insurance number (SIN) and phone number.
  • The address, city, province or territory and postal code of the home being bought or built.
  • If you're helping a specified disabled person: their name, relationship to you and SIN.
  • The amount you want to withdraw, the date you need it, and the contract number of your RRSP.
  • If you've used the HBP before: when you last participated and whether your repayable balance was zero on January 1.

What’s on Form T1036

The 2025 edition has 2 pages. FileIt asks for it in 5 parts, and it is signed by Participant:

  1. Area 1, Part A – Can you make an HBP withdrawal?Participant
  2. Part A – Questions 8a to 8e (breakdown of a marriage or common-law partnership)Participant
  3. Part B – Your withdrawal under the HBPParticipant
  4. Part C – CertificationParticipant
  5. Area 2 – To be filled out by the RRSP issuerRrsp issuer

How to fill out Form T1036, step by step

1 Questions 1 to 4 – Residency, agreement, earlier participation, occupancy

You must be a resident of Canada, and the person buying or building the home must have a written agreement to do so. If you've made an HBP withdrawal before, you can continue only if this is a January request for the participation you began last year, or your previous HBP balance was zero on January 1.

Question 4 asks whether you intend to occupy the home as your principal place of residence no later than one year after acquiring it (or, for a specified disabled person, whether they do).

2 Questions 5 to 7 – Ownership and first-time buyer status

If the buyer or their spouse or common-law partner owned the home more than 30 days before the withdrawal, you can't make one, unless you're acquiring your separated spouse's or partner's interest (then go to question 8a). Specified disabled persons, and people helping one buy or build a home, are eligible at questions 6a and 6b.

Question 7 is the first-time home buyer test: whether, from January 1 of the fourth year before the withdrawal to 31 days before it, you or your spouse or partner owned a home you occupied. If yes, you're not a first-time buyer, unless the breakdown rules in 8a to 8e apply.

3 Questions 8a to 8e – Breakdown of a marriage or common-law partnership

These questions confirm eligibility after a breakdown: living separate and apart for at least 90 days, having begun in the year of the withdrawal or the four years before; whether a new spouse or partner owns and occupies your home; whether you own and occupy a home; whether the new home is different from it; and whether you'll acquire your separated spouse's or partner's interest no earlier than 30 days before the withdrawal. FileIt only asks them after a Yes to question 5 or 7.

4 Part B – Your details and the home

Give your name, SIN and phone number, and the full address of the qualifying home being bought or built. Tick the box if you're a specified disabled person. If you answered Yes to question 6b, give the name, relationship and SIN of the person you're helping.

5 Part C – Amount and certification

Enter the amount of the requested withdrawal (up to $60,000), the date you need it, and the contract number of the RRSP it comes from. Sign and date the certification. Your financial institution then fills out Area 2 with its details, the amount and the date it paid you.

Common mistakes to avoid

  • Sending the form to the CRA; Area 2 says not to send it, and the issuer keeps it.
  • Asking for more than $60,000.
  • Missing question 5: a home owned for more than 30 days before the withdrawal doesn't qualify except in the separated-spouse case.
  • Answering question 7 without checking the full four-year window described in note 4.
  • Skipping questions 8a to 8e after a Yes to question 5 or 7.
  • Forgetting the specified disabled person's details when you answered Yes to question 6b.

After you fill it out

Print the completed PDF from your FileIt vault, sign Part C, and give it to your financial institution. It must fill out Area 2 and keeps the form; keep a copy for your records, as the form says. FileIt doesn't send anything for you.

Store your copy with the purchase agreement in the same vault folder. You'll need the HBP amounts when you file your return and when you start repaying.

For the full rules, including repayments and the FHSA, see canada.ca/home-buyers-plan.

Fill out Form T1036 online with FileIt

  1. Pick the person. Choose someone from People and FileIt fills in their name, date of birth, address and other details it already knows.
  2. Answer plain-language questions. One part of the form at a time, with the official help text beside each question — 36 fields in all. Your answers save as you go.
  3. Check the live preview. Watch your answers land on the real Canada Revenue Agency (CRA) form, and let FileIt do any worksheet arithmetic.
  4. Generate the official PDF. FileIt prints your answers into the agency’s own PDF and files it in that person’s folder in your vault. Sign it, or send it for e-signature.

FileIt fills the form — it never files or submits anything for you. Deliver the finished form to whoever asked for it, the way the form’s instructions say.

Start Form T1036 now — it’s free

Form T1036: frequently asked questions

How much can I withdraw under the Home Buyers' Plan?

The T1036 states that the maximum you can withdraw is $60,000, and that generally you must receive all your HBP withdrawals in the same calendar year.

Where do I send Form T1036?

To your financial institution (your RRSP issuer), not the CRA. It must fill out Area 2, and the form tells it not to send the form to the CRA.

Can I use the HBP and my FHSA for the same home?

Yes. The form's note says you can withdraw under the HBP and make a qualifying FHSA withdrawal for the same qualifying home, as long as you meet all the conditions at the time of each withdrawal.

I'm not a first-time buyer. Can I still use the HBP?

Possibly. If you've had a breakdown of your marriage or common-law partnership, questions 8a to 8e may make you eligible. Specified disabled persons and people helping one are eligible at questions 6a and 6b.

What counts as a qualifying home?

A housing unit located in Canada, existing or being built: single-family homes, semi-detached homes, townhouses, mobile homes, condominium units, and apartments in duplexes, triplexes, fourplexes or apartment buildings. A co-op share that gives you an equity interest also qualifies; one that only gives you a right to tenancy doesn't.

Can I fill out Form T1036 online?

Yes. FileIt guides you through Part A, B and C, prints your answers into the CRA's official fillable T1036 PDF and saves it in your vault, free on every plan. You then sign it and give it to your RRSP issuer.

Official sources

FileIt is not affiliated with or endorsed by Canada Revenue Agency (CRA) or any government. This page explains the form in general terms and is not legal, tax or immigration advice. Always read the official instructions, and check that you are using the edition the recipient accepts. Page last reviewed 2026-09-28.

Fill out Form T1036 online