As a mortgage agent in Thornhill working with GTA first-time buyers every week, I can tell you that down payments are the topic that causes the most confusion before the conversation even starts. Nobody warned you that saving a down payment in the GTA would feel like trying to hit a moving target. You finally hit $50,000 in savings, feel good about it for about a week, and then someone mentions the average detached home in Toronto just crossed a million dollars again. And you