Well Anthony, I am 20 yrs old from Virginia, I am putting 3,000 down and financing the rest on a 5 year loan at 9.9 APR. I found financing is a better option since it will allow for a better payment than waiting and saving. If you can put 15k down then you should be in good shape, but then again i am not to familiar with Toronto's financial options. Sounds like you have a solid plan.
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