Ijara Community Development Gifted Down Payment Program is a nationwide Canada ijara path where the down payment can come as a gift from an immediate relative: parent, sibling, grandparent, legal guardian, legal dependent, or spouse. The standard 5 percent minimum can be covered entirely by the gift. Three months of documented provenance are required. The structure is still ijara wa iqtina. Manzil is a purchase lender (musharaka in Ontario, British Columbia, Alberta, and Saskatchewan; murabaha in Ontario only). This page does not claim Manzil runs a gifted-down-payment desk. Start on the home financing hub.
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What the Gift File Is
| Fact | Ijara CDC Gifted Down Payment | Manzil |
|---|---|---|
| Job | Gift from an immediate relative covers the down payment, including the 5 percent minimum | Purchase financing. Not this gift product on this page |
| Who can gift | Parent, sibling, grandparent, legal guardian, legal dependent, or spouse | Not this desk |
| Paper | Three months of documented provenance | Not this desk |
| Canada map | Nationwide | Musharaka ON, BC, AB, SK. Murabaha Ontario only |
A conventional bank will take a gifted down payment and still attach an interest mortgage. That is the riba product this page is trying to replace. You still qualify on income. The gift does not replace underwriting.
Frequently Asked Questions
Can my parents gift the whole down payment?
On the Ijara CDC record, the standard 5 percent minimum can be covered entirely by the gift from an immediate relative, with three months of provenance. Confirm the gift letter with Ijara CDC. This is not a Manzil product on this page.
Can a cousin gift the down payment?
The listed donors are parent, sibling, grandparent, legal guardian, legal dependent, or spouse. A cousin is not on that list. Do not invent a wider family circle.
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Is this available in Quebec?
The program is published as nationwide in Canada. Do not confirm whether Ijara CDC serves Quebec. Confirm the gift paperwork for this purchase.
Does Manzil accept gifted down payments?
This page does not claim a Manzil gifted-down-payment product. Manzil is a purchase lender in the provinces listed above. Ask Manzil in writing if you want their policy. Do not assume this Ijara desk.
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Ijara CDC can take an immediate-relative gift for the down payment nationwide, with provenance. You still qualify. Manzil is not this desk on our data.
