Closing Cost Estimator

Full breakdown of what you'll owe on closing day in Ottawa — beyond just the down payment.

Not financial advice. This closing cost estimator is for educational and illustrative purposes only. Results are estimates and do not account for all individual circumstances. Always consult a licensed mortgage professional, financial advisor, or real estate lawyer before making any financial decisions.

Purchase Price

Down Payment (%)

Property Type

Buyer Type

Legal Fees (est.)

Moving Costs (est.)

Estimated Closing Costs

$17,704

On top of your down payment

Land Transfer Tax

$9,475

Legal Fees

Real estate lawyer, title search, registration

$1,800

Home Inspection

Full home inspection

$550

Title Insurance

One-time lender + owner policy

$475

Home Insurance (yr 1)

Ottawa average first-year premium

$1,800

Mortgage Appraisal

May be waived by some lenders

$450

Property Tax Adjustment

Prorated to close date (~2 months)

$1,354

Utility Deposits / Setup

Hydro, gas, water transfers

$300

Moving Costs

Estimate — varies by distance

$1,500

Total closing costs$17,704

Budget 1.5–4% of purchase price for closing costs. On a $650,000 home that's $9,750–$26,000.