buying · Free to use

How much cash will I need to buy?

Plan your down payment, transfer taxes and closing expenses before you make an offer.

Your numbers stay in this page and are not sent to analytics or saved to an account. All amounts are Canadian dollars. Missing costs are clearly marked. Enter 0 when an expense is included or does not apply.

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Your purchase

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Enter down payment as

Down payment * ($)

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Amortization

Enter a price to see the minimum down payment.

Location and possible refunds

Where is the home?

Assume all purchasers meet Ontario's requirements for the full first-time buyer refund.

Unchecked means no refund is deducted. Partial ownership, spouse rules and other eligibility details need your lawyer's review. These definitions are separate from mortgage insurance eligibility.

Ontario refund requirements

Other closing expenses

Legal fees and title insurance ($)