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​​​Buying a house

Members often ask if they can withdraw their CSS funds to buy a home.

While you're working for a participating employer and actively contributing to the CSS Pension Plan, you cannot withdraw or transfer your funds out.

Even after you're no longer working for a participating employer, you cannot withdraw any locked-in funds​ as a cash lump sum. Locked-in pension funds must be used to provide a retirement income.

Home Buyers' Plan

The Home Buyers' Plan is a program put in place by the federal government.

Your funds in the CSS Pension Plan are not eligible for the Home Buyers' Plan. Only personal RRSPs are eligible for this program.

Find out more about the Home Buyers' Plan on the Canada Revenue Agency website​.​