Home Happy Calculators
Smart tools to plan your perfect home purchase
Your Mortgage Details
$
$100K
$2M
$
0%
100%
20.00% of purchase price
%
0.5%
15%
Payment Summary
๐ณ
Enter your details on the left and hit Calculate to see your payment breakdown.
Your Mortgage Payment
—
per month
Mortgage Amount
—
Total Paid
—
Total Interest
—
Balance at Term End
—
—
Interest
Principal
—
Interest
—
Term Interest
—
Your Financial Profile
$
$
$
%
$
$
$
Affordability Results
๐
Enter your income and expenses to discover how much home you can afford.
Maximum Purchase Price
—
based on your income & existing debts
Max Mortgage
—
Monthly Payment
—
Qualifying Rate
—
Monthly Income
—
GDS Ratio
—
TDS Ratio
—
Property & Purchase Details
$
$
20.00%
$
$
$
Cost Breakdown
๐
Fill in your purchase details to get a full closing cost estimate.
Estimated Closing Costs
—
in addition to your down payment
Down Payment
—
Total Cash Needed
—
๐ก Tip:
Budget an extra 1.5–4% of your purchase price for closing costs — separate from your down payment.
Property Transfer Tax
$
$100K
$3M
โน๏ธ Did you know?
First-time home buyers in Ontario and BC can receive a full or partial land transfer tax rebate — up to $8,000 in BC and $4,000 in Ontario.
Tax Breakdown
๐๏ธ
Select your province and purchase price to see your land transfer tax.
Total Transfer Tax
—
after applicable rebates
Provincial Tax
—
Municipal Tax
—
Rebate Applied
—
% of Purchase Price
—
๐ First-Time Buyer rebate of $0
applied
Calculations are estimates for informational purposes only. Canadian mortgage calculations use semi-annual compounding per the Interest Act of Canada. Tax rates based on current provincial schedules and are subject to change. Always consult a licensed mortgage professional or legal advisor.
