Proceed with closing the individual First-Time Homebuyers (FTHB) account, then open a joint FTHB account and transfer the funds into the new joint account. Do not change the original open date.

Please advise the member that this change does not reset the 10-year eligibility window.

It is ultimately the member’s responsibility to retain documentation showing that the individual account was closed, the new joint account was opened, and how the funds were transferred between the accounts.

As we typically recommend, the member should consult a tax professional if they have any detailed tax-related questions.

Last updated 3/11/2026