Home Selling Cost Calculator Ontario

Estimate typical selling costs and your approximate net proceeds from a home sale.

Property & Mortgage

Expected Sale Price

Enter the approximate price you expect your property to sell for. Mortgage Balance

Approximate mortgage balance remaining at closing.

Mortgage Type

Mortgage Rate

Editable. Default estimate: 4.25%.

Variable mortgage penalty is estimated using 3 months of interest.

Estimated Selling Costs

Real Estate Commission Adjust the listing-side and buyer-side commission rates to reflect the actual agreement for your transaction.

Listing Agent Commission Default: 1%. Editable.

Buyer Agent Commission Default: 2.5%. Editable.

Total Real Estate Commission 1% listing + 2.5% buyer = 3.5% total.

HST on Commission 13% Ontario HST applied to real estate commission.

Legal Fees Approximate lawyer and closing-related legal costs.

Mortgage Discharge / Penalty Estimated 3 months’ interest for a variable mortgage.

Professional Staging / Preparation* Actual cost may vary based on property size, furniture, décor and staging level.

Repairs / Improvements Example: painting, minor repairs, light fixtures and small improvements.

Moving Costs Approximate moving truck plus two movers.

Other Costs Add any other expected selling expenses.

Estimated Total Selling Costs $0

Estimated Net Proceeds Before Staging Reimbursement $0

Estimated Eligible Staging Reimbursement* $0

Estimated Net Proceeds After Eligible Staging Reimbursement $0

*Staging reimbursement: Up to $1,500 of eligible professional staging costs is reimbursed by Sergey Luhavy after the successful sale and closing of the property, subject to the agreed listing plan. The client pays the staging cost upfront. Any staging costs above the included amount remain the client’s responsibility.

Important: This calculator provides estimates for planning purposes only. Actual commissions, legal fees, mortgage penalties, taxes and other selling costs may vary. Confirm final amounts with your lawyer, lender and real estate representative.

What Costs Should Home Sellers Plan For?

Typical home-selling costs may include real estate commission, HST on commission, legal fees, mortgage discharge or payout charges, staging, repairs, improvements, moving expenses and other transaction-specific costs. The calculator lets you adjust the main inputs so you can estimate approximate net proceeds before listing.

Home Selling Cost Calculator FAQ

How are net proceeds estimated?

Estimated net proceeds are calculated by subtracting the mortgage balance and selected selling costs from the expected sale price. The result is a planning estimate, not a closing statement.

Are the default costs guaranteed?

No. Actual commission, legal costs, mortgage penalties, staging expenses and other charges depend on your agreements and transaction. Confirm final amounts with the appropriate professionals.

Why calculate selling costs before listing?

Understanding potential selling costs can help you compare pricing, preparation and timing decisions before putting your home on the market.

This calculator is for planning purposes only. Actual costs vary by transaction and should be confirmed with the appropriate professionals before making financial decisions.