First — which path applies to you?
Calculate what you’ll actually take home from selling your Ontario home.
No sign-up. No pitch. The exact line items between an accepted offer and the cheque at closing — itemized, with HST included.
Applies if you are a non-resident of Canada for tax purposes.
Closed mortgages often charge 3 months interest if discharged early.
Estimate only. Final figures vary by lender, lawyer, and adjustment items at closing. Updated for Ontario 2026.
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Book a 20-minute walkthrough with Alex. No pitch — just clarity on your number.
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How the seller net sheet works
When you sell a home in Ontario, the listed price is not what lands in your bank account. The closing process subtracts a real estate commission (typically 4-5% split between listing and co-op brokerages, plus 13% HST on top), legal fees (typically $1,500-$2,500 for a standard residential closing), title insurance, mortgage payout charges, and a number of smaller adjustments. The net sheet calculator handles all of these inputs and gives you a precise dollar figure for what you’ll actually take home. The math runs against real Ontario closing cost averages updated for 2026.
What inputs you need
To get an accurate net, you’ll need four numbers: your expected sale price, your current mortgage balance (call your lender for the exact payout figure including any prepayment penalty), whether you have a buyer’s agent commission to pay (almost always yes in the GTA), and your legal fees if you’ve already engaged a real estate lawyer. The calculator will estimate the rest — land transfer tax doesn’t apply to sellers, only buyers, so that’s not in the form. If you’re a non-resident seller, there’s an additional 25% withholding by CRA that the calculator flags separately.
Why your realtor’s net sheet might not match
Some agents present a net sheet that omits HST on commission, or rounds legal fees down to make the take-home number look better. This calculator does not. Every line item is itemized so you can see exactly where your gross sale price goes. If you want a more detailed walkthrough of your specific situation — including non-standard scenarios like power of sale, estate sale, or assignment closings — book a 20-minute conversation with Alex below. No pitch, just clarity on the numbers.
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