{"country":"CA","region":"ON","currency":"CAD","inputs":{"price":700000,"downPayment":70000,"downPct":10,"aprPct":4.24,"termMonths":300,"firstTimeBuyer":null,"newBuild":false,"homeStartEligible":null,"propertyTaxMonthly":437.5,"homeInsuranceMonthly":100,"hoaOrCondoMonthly":0,"utilitiesMonthly":0,"extraMonthly":0},"monthly":{"principalAndInterest":3501.69,"propertyTax":437.5,"homeInsurance":100,"mortgageInsurance":0,"hoaOrCondo":0,"utilities":0,"total":4039.19,"totalWithExtra":4039.19},"loan":{"baseLoan":630000,"cmhcPremium":19530,"cmhcRatePct":3.1,"mortgageAmount":649530,"pmiAnnualRatePct":0,"pmiTerminationMonth":null,"compounding":"semi-annual","monthlyRate":0.0035025206044432267},"closing":{"downPayment":70000,"minimumDownPayment":45000,"minimumDownRule":"ca","transferTaxOrRegistration":10647.84,"buyerTransferTaxes":0,"pstOnCmhc":1562.4,"items":[{"item":"Land transfer tax","amount":10475},{"item":"Transfer registration","amount":86.42},{"item":"Mortgage registration","amount":86.42},{"item":"pstOnCmhc","amount":1562.4},{"item":"legal","amount":2000},{"item":"titleInsurance","amount":300},{"item":"inspection","amount":500},{"item":"adjustments","amount":875}],"closingCosts":15885.24,"cashNeeded":85885.24},"lifetime":{"months":300,"totalInterest":400976.75,"totalPaid":1211756.75,"mortgageInsurancePaid":0,"withExtra":null},"warnings":[],"presets":{"region":"Ontario","propertyTaxRatePct":0.75,"note":"Provincial land transfer tax; first-time buyers get up to $4,000 back. In Toronto pick “Ontario — Toronto” for the municipal tax. Property-tax preset: Toronto rate."},"disclaimer":"Estimates only; presets are regional averages. Not financial advice.","aprSource":"average: 5-year fixed, high-ratio mortgage (Bank of Canada) (2026-08-25)","regionsAvailable":["AB","BC","MB","NB","NL","NS","NT","NU","ON","TOR","PE","QC","MTL","SK","YT"]}