Sell-and-buy planner

Move-up home calculator for Canada

Connect expected sale proceeds to the region-specific closing cash, mortgage, monthly cost, and timing of your next home purchase.

Start calculating

See the whole move as one decision.

Recommended selling path

Example numbers

All 10 tools

STEP 1 OF 2

Where is the property?

Choose a province or territory so taxes, transfer fees, and regional assumptions are tailored before you start.

NEXT STEPS

What to do next

Continue your plan, verify the official rule, and know who can confirm details specific to your situation.

Continue your planHome-sale net proceeds calculator for Canada

Choose a province or territory, then estimate what may be left after mortgage payout, commission and regional sales tax, legal fees, preparation, and moving costs.

Verify at the sourceFCAC guide to selling costs

Open the published source to confirm the rule and its effective date.

Who to consultA mortgage professional and real estate lawyer or notary

Confirm financing, bridge timing, available sale funds, and both closing requirements.

Understand the result

Why selling and buying cannot be planned separately

Your available equity depends on selling costs and the lender payout, not just market value.
Closing dates can create temporary overlap or bridge-financing needs.
The monthly change matters after the move, even when the down payment works.

Formula and assumptions

Calculations are reproducible and use the published rules linked below. Service-cost amounts are planning allowances, not quotes.

Read the calculation methodology

FAQ

Common questions

How much equity can I use for my next house?

Usable equity is the sale proceeds remaining after the mortgage payout and selling costs. Your lender and lawyer determine how and when it is available.

What if I buy before I sell?

You may need liquid funds or bridge financing and must qualify under lender rules. This tool makes the timing gap visible but does not approve financing.

Compare Canadian buyer- and seller-agent fee quotes, taxes, contributions, rebates, service scope, agreement terms, and unanswered questions without assuming a standard commission.

Read the guide