What are my payments?
Type in your numbers. We'll show your monthly cost, the cash you need on closing day, and a few real homes near that price in your city.
I want to buy a $ in , and I have a $ down payment.
I'll pay % interest. I'll pay back the loan over years. I a first-time home buyer.
These numbers are estimates — not promises.
They come from real Ontario sold and leased data that's a few months old. Your actual numbers depend on the specific home, your finances, and what the market is doing on the day you transact. Don't make a decision based only on this calculator.
For a real answer, talk to a professional.
This calculator uses the rate you enter. Real lender offers vary by credit, income, and product. A broker shops dozens of lenders to find the actual best rate for your situation. Speak to a licensed mortgage broker. Don't know who to call? Message Ayo — he works with trusted pros and can introduce you.
What I can help with directly.
Neighbourhoods, specific homes, condo bylaws, verifying rent numbers, negotiating, and every step between “I'm interested” and keys in hand — that's a conversation, not a calculator. WhatsApp me or book a 15-minute call.
By Ayo Macaulay, Salesperson, eXp Realty, Brokerage. Licence #5037859. Independently owned and operated. Not intended to solicit buyers or sellers currently under contract. Regulated by the Real Estate Council of Ontario (RECO).
This content is for informational purposes only and does not constitute financial, legal, or tax advice. Projections are based on historical averages and are not guarantees of future performance.