Tell us about your property
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Approximate is fine — you can update later
Affects rebates in BC, ON, MB, PEI
Mortgage Calculator
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Your lender's offered rate
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Closing Cost Estimate
All costs due at or before closing. Exact amounts provided by your notary or lawyer. Figures based on June 2026 market rates.
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RRSP / FHSA Funds
How much you can withdraw from each account and whether you have enough for closing.
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Current market value$
Full balance withdrawable tax-free$
Available withdrawals
FHSA (tax-free, no repayment)$0
RRSP via HBP (max $60,000)$0
Other savings$0
Down payment$0
Total funds$0
Federal Home Buyers' Amount: As a first-time buyer, claim $10,000 on your tax return (Schedule 1) for a $1,500 federal tax credit. File in the year of purchase — this reduces your tax bill, not your down payment.
New Construction? GST/HST Rebate
If you are buying a newly built or substantially renovated home, you may be eligible for a GST/HST New Housing Rebate.
Federal GST rebate (new builds ≤ $450K)Up to $6,300
Rebate phases out$350K – $450K purchase price
This only applies to new construction or substantially renovated homes. For resale properties, no GST/HST applies. Confirm eligibility with your builder or real estate lawyer — the rebate is often assigned to the builder in exchange for a lower purchase price.