FHO
First Home Ontario
NEW BUILD & NEW HOME BUYER CENTRE
The Complete Toolkit

Institutional-Grade Tools
For Everyday Buyers.

Stop guessing. Use our 11 interactive engines to model your exact mortgage, rebate eligibility, deposit schedule, and closing costs in Ontario.

HST Rebate CalculatorCalculate your refund under 2026 legislation.Mortgage AffordabilityCMHC stress test & GDS/TDS limits.Closing Cost EstimatorTrue cash needed on closing day.Land Transfer TaxCalculate provincial & municipal LTT rebates.FHSA Savings StackerCombine FHSA & HBP tax effectively.Development Levies EstimatorCalculate your hidden municipal tax exposure.Pre-Con vs. Resale BuilderCompare sunk costs & equity of both paths over 5 years.Pre-Con Timeline BuilderVisualize your 4-year closing journey milestones.Rebate Eligibility QuizFind which of the 6 programs you qualify for.Buyer Readiness ScoreGet your personalized score out of 100.Deposit Timeline PlannerPre-construction schedule visualizer.