The calculation explained
How this calculator works
- If you have a purchase price in mind, the calculation first sets aside buying costs and the cash you want to keep. The rest goes toward your down payment.
- Land transfer duty uses the 2026 provincial schedule or Montréal’s schedule when selected.
- The buying-budget estimate uses your income, debts, down payment and entered rate. Your lender must confirm what you can borrow.
What to check next
Amounts are rounded. Replace examples with your figures and check costs with your lender, notary or municipality. Costs you have not entered are not included.