Monthly Home Cost Calculator

A useful starting point for your next conversation. No sign-up required.

Purchase price ($)Down payment ($)Interest rate (%)Amortization (years)Monthly property tax ($)Monthly condo fees ($)Monthly home insurance ($)Monthly utilities ($)Monthly maintenance allowance ($)Legal cost incl. tax ($)Home inspection ($)Title insurance ($)Closing adjustments ($)Other closing expenses ($)

Property is within the City of TorontoApply full eligible first-time buyer rebates (eligibility must be confirmed)

Residential estimates for one or two single-family residences. Toronto rates effective April 1, 2026. Excludes non-resident speculation taxes, new-build HST and special cases. Full rebates assume all purchasers qualify; joint ownership can reduce eligibility. Sources: Ontario rates, Toronto rates, Ontario rebate eligibility, down payment requirements, CMHC premiums.

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A useful starting point. A personal conversation when you’re ready.

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Estimates and general education only. Market data changes. Confirm mortgage, tax, legal and property-specific information with appropriate professionals before making commitments.