New Home Buyer Calculators
Free calculators for buying a new or pre-construction home in Ontario: HST rebates, land transfer tax, closing costs, deposit schedules and mortgage payments, all on the October 2026 rules.
New Home HST Rebate Calculator
Every HST rebate on a new Ontario home, including the 2026 relief of up to $130,000.
Open calculatorOntario & Toronto Land Transfer Tax
Provincial and Toronto land transfer tax with the 2026 rates and first-time buyer refunds.
Open calculatorNew Build Closing Costs
What you pay on closing a new home or condo: tax, levies, Tarion, legal fees and more.
Open calculatorPre-Construction Deposit Calculator
Builder deposit schedules in dollars and dates, and what's left to finance at closing.
Open calculatorMortgage Payment Calculator
Canadian semi-annual compounding, CMHC insurance and 30-year amortizations.
Open calculatorWhere to start
- Check the HST relief you qualify for: in 2026 it can be worth more than any builder incentive.
- Map the builder's deposit schedule against your savings.
- Budget the closing costs, led by land transfer tax.
- Test the mortgage payment at today's rate and a point or two higher.
Buyer math, explained
What does it cost to buy a new home in Ontario, beyond the price?
Land transfer tax (provincial, plus Toronto's in the city), closing costs specific to new homes such as levies, the Tarion enrolment fee and, for condos, a reserve-fund contribution, plus legal fees. HST is usually included in a builder's price, and in 2026 most buyers can get a large part of it back.
How much HST relief is available on a new home in 2026?
For agreements signed between April 1, 2026 and March 31, 2027, a home bought as a primary residence can get all 13% HST back up to $1 million and a flat $130,000 between $1 million and $1.5 million. First-time buyers have their own rebates for agreements signed from March 2025 to the end of 2030.
Are these calculators accurate?
They use the federal, Ontario and Toronto rules in effect in October 2026, and each page lists its sources. Your agreement of purchase and sale, lender and lawyer have the final numbers, and rules change, so check before you sign.