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Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash/rental damming involve risk—consult a qualified tax professional.

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Cash needed to close

Waterfall down payment, taxes, credits, and adjustments to see cash due on closing day.

Purchase price

Purchase price currency$

Total down payment

Total down payment currency$

Deposit already paid

Deposit already paid currency$

Credits applied against the down payment

Legal & title estimate

Legal & title estimate currency$

Include legal fees, title insurance, courier, etc.

Property transfer tax

Property transfer tax currency$

Ontario LTT, BC PTT, or other land transfer taxes

Insurance due at closing

Insurance due at closing currency$

PST on default insurance or other premiums payable at closing

Prepaid adjustments

Prepaid adjustments currency$

Property tax adjustments, prepaid condo fees, utilities, etc.

Additional charges

Add adjustments or levies that increase the borrower's cash requirement.

No extra charges yet.

Credits & rebates

Capture offsets such as builder credits, repair holdbacks, or gifts applied at closing.

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Amount

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