Home Buying Calculators & Tools
Mortgage, closing costs, stress test, and province tools — 2026 rules, no signup.
Buyer tools
what counts
- Affordability Calculator · GDS
See how much house you can afford using GDS/TDS ratios and the mortgage stress test.
- City Comparison · City
Compare home prices and buying costs across Canadian cities for first-time buyers.
- Closing Cost Calculator · Close
Estimate land transfer tax, legal fees, and total cash needed at closing by province.
- CMHC Insurance Calculator · CMHC
Calculate CMHC premium, PST on premium, and total insured mortgage by down payment.
- Comparison Tools · vs
Compare rent vs buy, FHSA vs RRSP HBP, and fixed vs variable rates side by side.
- Cost of Waiting · Wait
See how appreciation, rent, and interest add up for every month you delay buying.
- Document Checklist · Docs
Track every document needed for your mortgage application and home purchase.
- Land Transfer Tax Calculator · LTT
Estimate land transfer tax by province with first-time buyer rebates and Toronto MLTT.
- Mortgage Calculator · Pay
Estimate monthly payments, CMHC insurance, and stress-test qualification for 2026 Canadian mortgages.
- Province Selector · Map
Find federal and provincial first-time buyer programs for your province or territory.
- Readiness Assessment · Ready
A 2-minute check on credit, savings, stress-test readiness, and your next steps.
- Stress Test Calculator · OSFI
Compare contract vs qualifying rate and see how the stress test cuts borrowing power.
- Timeline Planner · Time
Map month-by-month milestones from saving through closing for your purchase timeline.
Continue learning
Pair these calculators with our free guide modules for the full picture.
Module 1
Are You Ready? — Credit scores, the stress test & affordability
Module 2
Saving Smart — FHSA, RRSP HBP & stacking strategies
Module 3
Down Payments & Mortgages — CMHC insurance, fixed vs. variable
Module 4
Government Programs — Federal & provincial incentives by province
Module 5
Finding a Home — Building your team & the search process
Module 6
Making an Offer — Purchase agreements, conditions & negotiation
Module 7
Closing the Deal — Closing costs, land transfer tax & your lawyer
Module 8
Life After Closing — Emergency fund, maintenance & building equity
Done running the numbers?
FirstHomeGuide tools are free and educational. When you want personalized next steps, book a call with a licensed professional.
1-226-783-1640