Transparent method
How this calculator works
- Net proceeds reuse the same cost calculation as the specialized calculator.
- Equity and savings fund purchase costs, the cash buffer and down payment.
- Land transfer duty and mortgage payment use the same dated shared rules.
Limits and amounts to confirm
Amounts are rounded and depend only on the information entered. Confirm transaction-specific figures with the relevant lender, notary, municipality or professional.
Official sources and dates
- Gouvernement du Québec — Droits sur les mutations immobilièresEffective/source date: 2026-01-01 · verified: 2026-08-23
- Ville de Montréal — Calcul des droits de mutationEffective/source date: 2026-01-01 · verified: 2026-08-23
- Banque du Canada — nouveaux prêts hypothécaires résidentiels non assurés (V122667781)Effective/source date: 2026-06-01 · verified: 2026-08-23