Canadian home-buying costs · 2026 rules
Know the real number before you offer.
42 free calculators and in-depth guides covering every dollar of buying, selling, and owning a home in Canada — verified against 2026 rules. Private: your numbers never leave your browser.
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90+guides & explainers
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Calculators
Every cost, calculated live.
Type your numbers and watch the answer update instantly. Estimates are labelled as estimates; rules are cited to sources.
I'm buying
Everything between an accepted offer and the keys.
CalculatorClosing CostsClosing costs are everything you pay on top of the down payment. This calculator adds up land transfer tax…Open
CalculatorLand Transfer TaxLand transfer tax is usually the biggest closing cost after the down payment, and it is paid in cash on closing day. Every province taxes it differently.Open
CalculatorMortgage PaymentCanadian mortgages compound semi-annually, not monthly — so the payment math differs from US calculators. This one uses the real Canadian formula.Open
CalculatorWhat Can I Afford?Lenders qualify you at a stress-test rate that is higher than the rate you will actually pay. This calculator runs both, so your budget survives the test.Open
CalculatorIncome Needed for a HomeEnter a price instead of an income. See the minimum household income a lender needs to see to qualify you for it, at the stress-tested rate.Open
CalculatorMinimum Down PaymentCanada’s down payment rules are tiered: 5% on the first $500,000, 10% on the slice up to $1.5 million, and 20% beyond that. Here is your number.Open
CalculatorMortgage InsurancePut down less than 20% and you need mortgage default insurance. The premium is a percentage of your mortgage…Open
CalculatorStress TestLenders must qualify you at a rate higher than the one you will actually pay. This shows your qualifying rate and what it does to your payment.Open
CalculatorRent vs BuyBuying is not just the mortgage payment, and renting is not just "throwing money away." This compares both paths dollar-for-dollar over your time horizon.Open
CalculatorHST on New BuildsNew construction is taxed; resale is not. Ottawa now rebates the full federal GST to first-time buyers of new homes up to $1 million — here is your net tax.Open
CalculatorNon-Resident TaxSeveral provinces add a second, much larger transfer tax for foreign buyers. It applies to the full purchase…Open
CalculatorCondition DeadlineConditions give you a way out of the deal if the financing, inspection or condo documents do not work out — but only until the deadline. Here is yours.Open
CalculatorFixed vs VariableFixed buys certainty; variable buys a usually-lower starting rate with no guarantees. Pick your term, set…Open
CalculatorSelf-Employed Mortgage QualifierSelf-employed income isn’t qualified the way a paycheque is. See your maximum home price under three real lender methods…Open
I'm selling
What you walk away with once everyone is paid.
CalculatorNet ProceedsSale price in, costs out. This estimates your net proceeds after commission, sales tax on the commission, legal fees, staging and paying out your mortgage.Open
CalculatorCapital GainsSelling a property that was not your principal residence? This estimates the capital gain, the taxable half, and the tax owing at your marginal rate.Open
CalculatorBreaking Your MortgageFixed mortgages charge the greater of three months’ interest and the interest rate differential (IRD). This estimates both so you know which one bites.Open
CalculatorBridge FinancingBuying before you sell? A bridge loan covers the gap. This estimates the interest for the days you need it, plus the lender’s fee.Open
I'm investing
Whether the numbers work before you commit.
CalculatorRental Cash FlowRent in, costs out. This estimates the monthly cash flow of a rental property after every carrying cost — before income tax.Open
CalculatorCap Rate & ReturnThree ratios tell you whether a rental is worth it: cap rate (the property), cash-on-cash (your money), and the debt coverage ratio (the lender’s view).Open
CalculatorBreak-Even RentCharge less than this and the property costs you money every month. This finds the rent that exactly covers all carrying costs.Open
CalculatorFlip or RenovateBuy, renovate, sell. This totals your all-in cost including carrying charges, subtracts selling costs, and shows the profit and return on your cash.Open
CalculatorTotal Return on a RentalCap rate and cash flow only show one year. This adds up cash flow, equity paydown and appreciation over your whole hold to show the annualized return that actually pays for the down payment.Open
I already own
Renewals, taxes and the equity sitting in the walls.
CalculatorRenewal ShockRenewing off a low rate into a higher one? This compares your old and new payments and totals the extra interest over a five-year term.Open
CalculatorProperty TaxProperty tax is set by your city as a share of assessed value — and it varies about fourfold across Canada. Pick your city to estimate the bill.Open
CalculatorVacant Home TaxLeft empty, a home can attract a second tax bill worth tens of thousands. Pick your city and see what vacancy would cost.Open
CalculatorHome EquityYour equity is what you own free and clear. This shows the equity, your loan-to-value, and how much a lender would let you borrow against it.Open
CalculatorReverse MortgageProject a Canadian reverse mortgage balance forward. No monthly payments — interest compounds onto what you owe. See the growing balance…Open
CalculatorExtra Payment SavingsAn extra $300 a month on a $500,000 mortgage at 4.49% pays it off about 4 years early and saves over $60,000 in interest. Run your own numbers below.Open
CalculatorMortgage RefinanceBreaking your mortgage mid-term for a lower rate costs a penalty first. See the penalty, the new payment, and how many months until the switch pays for itself.Open
What nobody else shows you
The things people currently discover by getting hurt.
CalculatorCash CalendarYour down payment doesn’t leave your account in one lump sum. This calendar spreads every cash payment — from…Open
CalculatorTrigger RateWith a fixed-payment variable mortgage, rising rates quietly eat your principal repayment first. This finds…Open
CalculatorAppraisal ShortfallLenders fund the lower of the purchase price and the appraised value. If the appraisal comes in low, the…Open
CalculatorPre-Construction RealityThe contract price is only the start. Deposits, months of occupancy fees (phantom rent), and closing costs…Open
CalculatorAssignment SaleAn assignment sale flips your purchase contract to a new buyer before final closing. This prices the profit…Open
CalculatorClosing Date CollisionWhen your sale and purchase close on different days, the gap has a daily price tag — and sometimes a bridge…Open
CalculatorResilience TestAffordability at today’s rate is only half the question. This shocks your mortgage payment 2 points higher…Open
CalculatorBuying With Someone ElseCo-buying works until it doesn’t — usually at the exit. This lays out who puts in what, who owns what, and exactly what a buyout costs at today’s value.Open
CalculatorFHSA and HBP RepaymentRRSP Home Buyers’ Plan withdrawals must be repaid over 15 years; FHSA contributions never are. This tracks…Open
CalculatorBig Repairs AheadEvery older home has a roof and a furnace with a countdown on them. This turns their remaining life into…Open
CalculatorCost of WaitingWaiting isn’t free: prices move, rates move, and rent keeps leaving your account. This prices a wait in three…Open
CalculatorSpecial Assessment PlannerA condo special assessment can land with almost no warning. See whether your savings and monthly budget…Open
Verified 2026 rules
Tax brackets, rebates, and program limits checked against official sources every September.
Estimates labelled honestly
Anything that depends on your specific deal is marked as a planning estimate you can edit.
Private by design
Calculators run entirely in your browser. Nothing is uploaded, tracked, or sold.
Plain language
No jargon walls. Every guide is written to be read by a first-time buyer, not a lawyer.
Guides
Start with the essentials.
Long-form guides with worked examples, sources, and review dates.
GuideHow Much Are Closing Costs in Canada? — CostToCloseClosing costs in Canada run about 1.5% to 4% of the purchase price on top of your down payment. Every line item, three worked examples, and what moves it.Open
GuideLand Transfer Tax by Province in Canada — CostToCloseLand transfer tax ranges from about $1,200 in Alberta to $16,950 in Toronto on a $600,000 home. Every province’s full 2026 rates and rebates.Open
GuideMortgage Stress Test in Canada Explained — CostToCloseThe mortgage stress test uses your contract rate plus 2% or 5.25%, whichever is higher. At 4.49% that means 6.49%. What it does to your maximum mortgage.Open
GuideEvery First-Time Home Buyer Program in Canada — CostToCloseFHSA ($40,000 tax-free), the RRSP Home Buyers’ Plan ($60,000), the GST new-homes rebate, 30-year insured mortgages, and land transfer rebates across Canada.Open
Why CostToClose
The biggest purchase of your life deserves better than guesswork.
Every tax, fee, rebate, and rule — calculated live against 2026 Canadian rules. Free, private, no account needed.