Buying a home in Ontario, made clear.
Free calculators and plain-language guidance to help you understand the numbers and the steps — from saving your down payment to closing day.
Calculators for every step.
Estimate your costs before you commit. Everything runs in your browser — nothing is stored or sent anywhere.
FHSA Stacker
Project tax-free down-payment savings.
Open →Land Transfer Tax
Provincial + Toronto LTT, with first-time buyer rebates.
Open →Mortgage Payment
Payments with default insurance folded in.
Open →What you can afford
Maximum price under the federal stress test.
Open →HST new-home rebate
The New Housing Rebate on a new build.
Open →Closing costs
Cash to close, or net proceeds on a sale.
Open →First-time buyer check
See if you qualify for the LTT refund.
Open →Deposit planner
How long to reach your down-payment goal.
Open →Understand the process.
General information about how an Ontario home purchase works. This is not legal advice about your situation.
Before you buy
Save a down payment (5% on the first $500k, more above), get pre-approved, and understand the mortgage stress test.
Making an offer
An Agreement of Purchase and Sale sets price, deposit and conditions (financing, inspection, status certificate). Have it reviewed before you sign.
Rebates & programs
Land transfer tax refund, HST/GST new-home rebates, the FHSA and the RRSP Home Buyers' Plan. Use the finder to see what may apply.
Open the finder →Closing day
Your lawyer registers the transfer, sends the balance of funds, and keys are released once the deal closes — timing can vary through the day.
Stay organized through closing.
Have questions about your purchase?
These tools are educational. For advice on your specific transaction, speak with a lawyer.