Canadian mortgage planning
Mortgage calculator
See your estimated payment, mortgage amount, closing costs and first-time buyer savings in one clear plan.
Ontario & Toronto taxesCMHC insurance included2026 buyer incentives
01
All amounts in CADBuild your mortgage
Enter the basics. Your estimate updates automatically.
Quick price:
%$200,000 · 20.0% of purchase price
02Monthly home costsAdd taxes, condo fees, insurance and utilities+
03Closing-cost estimatesCustomize legal and inspection costs+
04
Eligibility rules differ by program. The federal amount is claimed on a tax return and does not reduce cash needed on closing.First-time home buyer?
Select the savings programs that apply to you.
Calculation notes
Built for Canadian home buyers.
Rules reviewed October 5, 2026. Calculations use Canadian semi-annual compounding, the current insured-mortgage price cap and minimum down payment, CMHC’s owner-occupied premium schedule, the eligible 30-year surcharge, the federal stress-test floor, Ontario and Toronto land-transfer-tax schedules, and the federal Home Buyers’ Amount.
Planning illustration only—not a lending decision or financial, legal or mortgage advice. Confirm figures and eligibility with a qualified mortgage professional and lawyer.