BC Offer Budget Calculator
What cash target should a BC buyer protect before making an offer?
A useful offer budget separates the purchase price from the cash needed to complete: down payment, net property transfer tax, transaction costs, adjustments, immediate work, and a reserve after closing.
Know the cash target before you offer.
Model the purchase separately from the cash needed at and after completion.
Method, sources, and limits
Rules version: bc-property-rules-2026-08-11. Reviewed 2026-08-11. Results are deterministic estimates in Canadian dollars.
- BC property transfer tax ↗
- First-time buyer exemption ↗
- Financial Consumer Agency of Canada — Buying a home ↗
This tool does not determine eligibility, approval, coverage, legal responsibility, engineering condition, or future cost. Confirm time-sensitive or property-specific results with the professional responsible for that work.
The estimate is a question list, not a filing decision.
This tool applies only your entered planning amounts and one selected tax-exemption scenario. It does not decide mortgage approval, GST, tax-exemption eligibility, contract adjustments, additional tax, acceptable source of funds, or final completion funds.
Read the source-backed guide →Use the result with the right boundary.
Is a down payment the same as cash to close?
No. A buyer normally needs to account separately for the down payment and transaction cash such as tax, conveyancing, adjustments, inspection, insurance, and any immediate work.
Does this confirm what a lender will approve?
No. Lender underwriting uses its own income, debt, property, product, insurance, appraisal, and source-of-funds requirements.