Buyer Decision Tool
How Much Cash Do I Actually Need to Buy?
See the upfront money beyond the offer price: down payment, land transfer taxes, insured-mortgage costs and practical closing/setup expenses.
Cash-to-Close Calculator
Estimate how much cash may be needed before you get the keys: down payment, land transfer taxes, mortgage-insurance sales tax, legal and practical moving costs.
Estimated cash required—Does not include your ongoing mortgage payments.
Down payment—
Estimated LTT after selected rebate—
Mortgage default insurance premium—
Ontario sales tax on insurance premium—
Toronto MLTT administration fee + HST—
Other selected closing/setup costs—
Estimated mortgage principal after financed insurance premium—
Private Strategy Handoff
Review My Cash-to-Close Plan →Know the cheque before you write the offer.
Bring the estimate into a private planning conversation so the deposit, closing cash and timing can be mapped around your actual move.
Ready to Start Your Real Estate Journey?
Professional guidance for buyers, sellers and investors across the Greater Toronto Area.