Two builders can offer the same dollar figure and be worth completely different amounts.
Published offers are scoped to the named community and eligible homes. Unconfirmed savings are not used in the payment comparison.
Sources reviewed October 29, 2026 · availability requires builder confirmation
Worked examples use a $700,000 home, 10% down, 4.89% base rate, 30-year amortization.
Federal GST rebate for first-time buyers
Removes up to the full 5% GST on new homes up to $1M for first-time buyers, phasing out to $1.5M.
Ontario HST (provincial portion) relief
Provincial new-home tax relief depends on the applicable program, eligibility and purchase dates. Confirm with your lawyer; advertised builder prices may already include rebate assumptions.
Activa
Trussler West · Vista Hills · other Activa communities
Request current home-specific promotions
Not confirmed
Not confirmed
The promotions page includes August 2025 offers. Those historical amounts are not treated as current savings here. Ask Activa for a current written offer for the specific home.
SourceMattamy Homes
Wildflowers, Kitchener · Laurel Creek, Waterloo
No current community-specific builder incentive confirmed
Not confirmed
Not confirmed
Government rebates are separate from builder incentives. Request current pricing, deposit terms and included features directly from Mattamy; no unverified discount or upgrade allowance is included here.
SourceFusion Homes
Wallaceton, Kitchener (offer scope) · Cadence, Cambridge
Up to $40,000 included upgrades on select Wallaceton Urban Towns
Not confirmed
Up to $40,000 · eligible homes only
- Select Wallaceton homes: $0 development charges and $0 utility hookup fee
- Listed homes include appliances and one parking space
- $25,000 deposit on eligible 60-day closings; confirm the full purchase terms
October 6, 2026 Wallaceton move-in-ready price sheet. Upgrade values vary by home. The $25,000 figure is a builder deposit for eligible 60-day closings, not necessarily your mortgage down payment. This offer is not confirmed for Cadence.
SourceStarward Homes
Maple Grove at River Mill, Cambridge
$20,000 design dollars + price guarantee at Maple Grove
Not confirmed
Up to $20,000 · eligible homes only
- Maple Grove: $20,000 design dollars
- Price guarantee subject to builder terms
Published on the Maple Grove community page. Design dollars are not cash savings. The price guarantee and any HST-rebate pricing are subject to the builder's full written terms.
SourceFreure Homes
Black Oaks, Cambridge
Request current Black Oaks pricing and purchase terms
Not confirmed
Not confirmed
The builder confirms Black Oaks, but current cash credits, upgrade allowances and deposit incentives have not been substantiated by a current official offer sheet.
SourceWhat each confirmed incentive does to your payment.
Only offers with a confirmed, sourced figure are included. Builders marked “Not confirmed” above are left out — we do not estimate on unverified numbers.
Assumptions: 4.89% base rate, 30-year amortization — the same as the payment calculators. Estimates only, not a quote.
Fusion Homes
Wallaceton, Kitchener (offer scope) · Cadence, Cambridge
None — value is in included upgrades, not cash
Up to $40,000 · eligible homes only
October 6, 2026 Wallaceton move-in-ready price sheet. Upgrade values vary by home. The $25,000 figure is a builder deposit for eligible 60-day closings, not necessarily your mortgage down payment. This offer is not confirmed for Cadence.
Starward Homes
Maple Grove at River Mill, Cambridge
None — value is in included upgrades, not cash
Up to $20,000 · eligible homes only
Published on the Maple Grove community page. Design dollars are not cash savings. The price guarantee and any HST-rebate pricing are subject to the builder's full written terms.
How to read an incentive sheet.
A rate buydown beats a price cut
A $20,000 price cut on a $700,000 home (10% down, 4.89% over 30 years) lowers the payment by roughly $95 a month. A permanent 1% buydown on the same home lowers it by roughly $370. Same builder, same house, very different math.
Temporary buydowns expire
A 2-1 buydown lowers your rate for two years, then it snaps back. Qualify on the real rate, not the teaser rate, or year three becomes a problem.
Closing credits are cash, not savings
A $20,000 closing credit is genuinely useful if cash is your constraint. It does almost nothing to your monthly payment. Know which problem you are solving.
Design upgrades rarely return their cost
A $25,000 upgrade allowance is priced at retail, not cost. Spend it on structural items you cannot change later, not on finishes you could buy cheaper after closing.
Incentive terms change frequently and vary by home, phase and closing date. Figures shown are illustrative estimates for planning only. Confirm all terms directly with the builder.