Total property-purchase cost calculator
Price, down payment, fees, registration, tax, insurance, and moving to total cash required.
Enter the price, down payment, and cost assumptions to see the contract cash, closing cash, later tax cash, total cash required, and remaining liquidity — so you plan for far more than the down payment.
Key points
- Splits cash into contract, closing, and later-tax stages.
- Includes brokerage, mortgage fee, registration, tax, insurance, and moving.
- Shows total cash required and remaining liquidity.
- Reminds you closing costs run ~6–10% of the price.
Inputs and outputs
Inputs: property price, new/used, seller/developer/broker, down payment, loan, fee model, assessed land and building values, location, registration relief, inspection, insurance, renovation, moving, furniture, and acquisition tax.
Outputs: contract cash, closing cash, later tax cash, total cash required, remaining liquidity, and all-in acquisition basis.
How to interpret the result
Do not use all your savings for the down payment; the tool shows the 6–10% closing costs and later acquisition tax you must reserve on top of it.
What the tool shows — and what it doesn’t
In short: Splits cash into contract, closing, and later-tax stages; Includes brokerage, mortgage fee, registration, tax, insurance, and moving; Shows total cash required and remaining liquidity; Reminds you closing costs run ~6–10% of the price.
A calculator is only as good as its inputs and the scenarios you test, and it models arithmetic, not approval: it cannot tell you whether a lender will lend, what rate underwriting will actually offer, or how your circumstances will change. Use it to compare options and to stress-test — run a mortgage at the offered rate plus one, two, and three points, and a purchase at pessimistic as well as central assumptions — rather than to produce a single answer. Advertised rates are execution-month or example figures, not guaranteed offers, so treat any result as a planning estimate and confirm the real numbers with a dated written quotation before you commit.
Who this is for
- Buyers and borrowers modeling a decision
- Anyone stress-testing affordability
What this is not
- A guaranteed quote or approval
- Do not use all your savings for the down payment; the tool shows the 6–10% closing costs and later acquisition tax you must reserve on top of it.
Frequently asked questions
What cash do I need beyond the price?
The down payment plus roughly 6–10% of the price in closing costs, plus an emergency and repair reserve.
What fees are outside the property price?
Brokerage, loan, registration, tax, insurance, inspection, renovation, moving, and reserves.