1The purchase
2Selling your current home?
Optional. Leave the sale price at 0 if you are not selling.
3Financing
One-time closing costs
Monthly carrying costs
Estimates only, for budgeting and discussion. Land transfer tax uses City of Toronto graduated MLTT rates effective April 1, 2026 and Ontario provincial rates, applied as a single-family residence; condo, multi-unit, commercial and non-resident purchases differ. CMHC insurance applies only to homes under $1.5M with less than 20% down. Confirm every figure with your lawyer, lender, the tax authorities and your Seymour Real Estate broker. Tax rates current as of June 2026. Sources: City of Toronto MLTT schedule and the Ontario Ministry of Finance.
Want the full picture beyond the numbers?
Read our guide to what it really costs to move up in Toronto:
land transfer tax, bridge financing, capital gains and the costs people forget.
For the tax on a home over $3 million, see Toronto land transfer tax in 2026.
