What will you need to buy your next home?

Estimate your down payment, Ontario and Toronto land transfer taxes and the cash still needed at closing. Free to use, with no registration.

Your purchase estimate

Purchase price (CAD)Resale home with one or two residences.

Down payment (CAD)Your deposit is part of this amount.

Property locationToronto adds municipal land transfer tax.

Legal / title costs, incl. taxIllustrative allowance. Replace with your quote.

Other closing / adjustment costsIllustrative allowance for adjustments and fees.

Deposit already paid (CAD)Subtracted once from remaining cash.

Apply full Ontario first-time buyer rebate (only if all eligibility rules are met).

Eligibility includes age, prior worldwide ownership, spouse and citizenship/residency rules. Shared ownership can reduce the refund. Confirm with your lawyer; unchecked means no rebate.

Values update as you type. All amounts are in Canadian dollars.

What this estimate includes

For an Ontario resale home with one or two residences, Canadian citizen/permanent-resident buyers, traditional down-payment funds and an insured mortgage amortization of 25 years or less. Rates checked October 30, 2026; Toronto high-value rates apply from April 1, 2026.

Minimum down payment follows the federal price bands. A down payment below 20% uses standard CMHC premium rates; the premium is added to the loan and its 8% Ontario tax is included in the cash budget. Lender requirements can differ.
Toronto municipal tax is additional to Ontario tax. The estimate includes Toronto’s $102.56 administration fee plus HST where applicable. First-time buyer rebates are optional estimates, not eligibility approvals.
Not included: new-build HST/rebates, development charges, non-resident taxes, 30-year insured premium surcharges, non-traditional down payments, moving costs, inspection, appraisal or buyer-representation fees unless you add them to other costs.
Legal and other-cost defaults are illustrative allowances. Confirm taxes, adjustments and financing with your lawyer and lender. This is not mortgage approval or a closing statement.

Turn the numbers into your buying plan.

Talk through your target neighbourhood, property type and timing with Harry Siu and Anjia Realty. Your calculator use does not submit an enquiry.

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