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Everyday mortgage calculators.

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My situation

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Where
Home price$

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What you'll walk away with when you sell

After commission, penalty, legal fees and your mortgage payoff: what actually lands in your account, and how big a down payment that is.

Expected sale priceSample number — change to yours$Mortgage leftUse your lender's payout statementSample number — change to yours$Agent commissionUsually 3–7%, negotiable; some use tiers%Tax on commissionHST 13–15% in Ontario / Atlantic, GST 5% elsewhere%Prepayment penaltyOnly if you can't port the mortgage; $0 if you port$Not sure? Estimate your penalty →Legal + discharge feesUsually $1,000–2,500$Moving, repairs, staging, cleaningEnter 0 if none$

You walk away with about

$489,000

Selling costs total $61,000, about 6.1% of the price

Commission (incl. tax)$45,200
Penalty$9,000
Legal and other$6,800
Mortgage payoff$450,000

Use this as your next down payment:

Most you could buyHomes $1.5M+ need 20% down, so no CMHC premium; income check still applies$2,445,000

Buying before you sell needs bridge money; if you want to keep your mortgage, check the porting window first: Bridge loan · Port or break

Rough estimate only. Gains on your own home are usually tax-free (principal residence exemption); rentals and non-resident sellers have other rules. Your lawyer's and lender's statements are final.