No mystery math.

Coverage is not the same as eligibility.

This is a prototype, not a complete Canadian housing-law or benefit calculator. Passing calculation tests does not establish that every applicable law, exception or program has been included.

• BC and Ontario: selected base transfer-tax rules are implemented; personal exemptions and program eligibility are not automatically decided.
• Quebec, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia, PEI, Newfoundland and Labrador, Yukon, Northwest Territories and Nunavut: a complete jurisdiction-by-jurisdiction review has not been completed. Purchase-tax totals must be entered from verified figures. A province appearing in the menu does not mean all its rules are covered.
• Montréal: its assessment-based transfer-duty calculation, exemptions and Quebec homeownership credits are not yet automated.
• Indigenous and reserve-land housing: the standard ownership model does not represent community-specific land tenure, taxation, financing or program arrangements. Indigenous identity alone is not a tax-exemption rule.
• Disability, veterans, students and retirement: entered income and costs can be budgeted, but eligibility, program amounts, asset/income tests and interactions are not calculated.

A future program estimate must distinguish cash available at closing, a later tax credit or reimbursement, a grant, and a loan or tax deferral. These cannot safely be combined into an immediate discount.