Adeife Soetan, REALTOR®, CPA
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Beyond the Down Payment
The true cost of buying a home in Ontario.

Buying a home costs more than just the down payment. That's why I created this free tool to help you understand the true cost of homeownership before you make an offer. In just a few minutes, you'll discover:

Because buying a home shouldn't leave you wondering if you can afford your life after.

The Home & Your Mortgage

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Monthly Carrying Costs

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Auto ~1% of price per year. Edit to override.

One-Time Costs (estimates you can adjust)

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Auto-set to ~1% of price. Edit to override.

Your Monthly Budget

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Combined, after tax.
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Food, car, debts, travel, entertainment.
Your Reality Check
The numbers a mortgage pre-approval won't show you.
💰 Cash you'll need before closing
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🏠 Estimated monthly cost of owning
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💵 Monthly disposable income left
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📈 Recommended emergency fund after moving: $0
A cushion of about 3 months of ownership costs.

Cash Needed Before Closing

Monthly Cost of Owning

Estimates only, for planning purposes, based on Ontario rules as of 2026 (land transfer tax brackets, first-time buyer rebate up to $4,000, and mortgage default insurance premiums with 8% Ontario PST payable in cash when your down payment is under 20%). Actual costs vary by lender, lawyer, home, and closing date. This is not financial, legal, or tax advice. Please confirm the numbers with your mortgage professional, lawyer, and me before making decisions.