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Ontario Mortgage Pro

Smart Closing Cost & Scenario Planner

Property & Location Details

Enter purchase details to instantly calculate Ontario Land Transfer Tax (LTT) & required minimums.

$

Legal Minimum Down Payment: $0 (0%)

Toronto includes Municipal Land Transfer Tax (MLTT).

Estimated Net LTT Rebate Applied
$0
Provincial LTT:$0
Toronto Municipal LTT:$0
First-Time Rebate:-$0

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Compare 4 Down Payment Scenarios

Customize parameters side-by-side to find your optimal monthly payment and upfront cash needs.

Other Monthly Household Expenses

Add non-mortgage obligations to estimate your true total monthly cost of living.

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Non-Mortgage Monthly Obligations

$1,320 / month

These expenses are added to each scenario's mortgage payment below.

Amortization Schedule & Balance Visualizer

Select an active scenario to inspect loan payoff dynamics over time.

Yearly Payment Breakdown

Year Principal Paid Interest Paid Total Paid Year Ending Balance
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Ontario Mortgage & Closing Cost Calculator

© All Rights Reserved. Designed for Educational & Planning Purposes.

* Disclaimers: Calculations are estimates based on standard Canadian semi-annual compounding mortgage rules. Land Transfer Tax calculations reflect current Ontario provincial rates and Toronto municipal tiers (where applicable). Actual mortgage premiums, interest rates, and closing costs are subject to lender approval, credit qualification, and legal verification.

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