Buying and selling a home

Closing costs and cash to close, seller net proceeds, tax proration at closing, equity and loan-to-value.

• Closing Costs Calculator

  Total the closing costs from your Loan Estimate and see the cash you bring.

• Seller Net Proceeds Calculator

  What is left after the mortgage, the commission and the costs of selling.

• Property Tax Proration Calculator

  Split the property tax year between seller and buyer at the closing date.

• Home Equity and LTV Calculator

  Equity, loan-to-value, and the principal that reaches a target you name.

• Mortgage Recast Calculator

  What the payment becomes after a lump sum, with the term left unchanged.

• Rent vs Buy Calculator

  The year buying overtakes renting, on assumptions you enter and can see.

• Interest-Only Mortgage Calculator

  The payment during an interest-only period, the higher payment after it, and what the interest-only years add to the total interest.

• Canadian Mortgage Calculator

  Mortgage payments on a rate compounded half-yearly, as Canadian contracts state it, with accelerated payments and the balance left at renewal.

• Mortgage Points Calculator

  What discount points cost, how much they lower the payment, how many months they take to pay back, and where you stand after the years you keep the loan.

• LTV Calculator

  Loan-to-value, combined LTV and HCLTV on a purchase or a refinance, on the value a lender uses, with the rounded LTV the Fannie Mae Selling Guide reports.

• Rent-Back Cost Calculator

  What a seller pays to stay in a home after closing: the buyer’s daily carrying cost, the charge for the stay, and any holdover against the holdback.

• UK Stamp Duty Calculator

  Stamp Duty Land Tax on a home in England or Northern Ireland, for home movers, first-time buyers, additional properties and non-UK residents.

• LBTT Calculator

  Land and Buildings Transaction Tax on a home in Scotland, with first-time buyer relief and the 8% Additional Dwelling Supplement.

• LTT Calculator

  Land Transaction Tax on a home in Wales at the main rates or the higher rates for additional properties.

• Ontario Land Transfer Tax Calculator

  Ontario land transfer tax and, in Toronto, the municipal land transfer tax on a home, with first-time buyer refunds and Toronto’s 2026 luxury rates.

• BC Property Transfer Tax Calculator

  British Columbia property transfer tax on a home, with the first-time home buyers’ exemption and the newly built home exemption.

• CMHC Mortgage Insurance Calculator

  The mortgage default insurance premium on a home bought with less than 20% down, with the 30-year surcharge and the provincial sales tax due at closing.

• FHSA Contribution Room Calculator 2026

  How much you can put in a First Home Savings Account in 2026, with carry-forward of unused room and the $40,000 lifetime limit.

• NSW Stamp Duty Calculator 2026–27

  Transfer duty on a home in New South Wales for 2026–27, with the First Home Buyers Assistance Scheme and the foreign purchaser surcharge.

• Victoria Stamp Duty Calculator

  Land transfer duty on a property in Victoria, with the home concession, first home buyer exemption and concession, and foreign purchaser additional duty.

• First Home Super Saver Calculator

  How much of your voluntary super contributions you can release for a first home deposit under the FHSS scheme, and the tax on it.

• Stamp Duty Calculator India

  Stamp duty and registration on buying a home in Maharashtra, Karnataka, Delhi, Tamil Nadu, Telangana or West Bengal, with each state’s cess and surcharge.