The Precon Closing Calculator is an essential tool for Ontario real estate investors and homebuyers who need to know their true cash requirement at closing with accurate financing risk assessment. Most calculators ignore the biggest variable which is Current Market Value. If the market value of your unit is lower than your original purchase price on closing day the bank will only lend 80 percent of the lower value leaving you with a massive unexpected shortfall. This calculator instantly calculates your Excess Amount for Down Payment required due to a drop in the Current Market Value versus your Purchase Price. It provides accurate Land Transfer Tax figures for both Toronto and other Ontario cities including Municipal Land Transfer Tax and Provincial Land Transfer Tax. The calculator aggregates all costs including Land Transfer Tax Builder Capped Levies Uncapped Fees and Estimated GST HST and adds the calculated financing shortfall for a single reliable total. This comprehensive financial planning tool helps you secure your investment by knowing exactly how much cash you need on closing day preventing market shifts from derailing your real estate investment.