Tools
Do the maths before the sales centre does.
Free, no sign-up, nothing stored. Built on Ontario’s 2026 rules for new-construction homes.
01Cost to closeEvery line on a new-build statement of adjustments — land transfer tax, development charges, Tarion, HST on adjustments, insurance PST — and the 2026 HST relief that can offset them.AnswersHow much cash do I need on closing day?Do I qualify for the first-time buyer HST rebate?What does an uncapped development charge cost me?
02Deposit ledgerTurn any deposit schedule into cash by date. See how much Tarion protects, and whether your savings cover each cheque on time.AnswersHow much of my deposit is protected?Can I keep up with the schedule?How do two schedules compare?
03Affordability & stress testWhat the federal stress test lets you borrow today, and what happens if the home appraises below your price at closing.AnswersWhat price can I qualify for?What if values drop 10% before I close?Will 30-year amortization help?
04Compare projectsPut up to three projects side by side — prices, deposits, occupancy, distances and the trade-offs we’ve flagged.AnswersWhich project has the gentler deposit?Which is closer to GO?Which closes first?