Calculator

Closing costs estimator

We calculate the land transfer tax exactly; you enter your own quotes for the rest — no invented figures.

Last verified: July 23, 2026

Purchase price ($)

First-time buyer (applies the LTT refund)

Legal fees + disbursements ($ — from your lawyer's quote)

Title insurance ($ — usually via your lawyer)

Home inspection ($ — from your inspector)

Adjustments ($ — prepaid taxes/utilities, lawyer estimates)

Moving and immediate costs ($)

Ontario land transfer tax (computed): —
Estimated cash needed at closing (beyond your down payment): —

Runs entirely on your device — nothing you type is sent or stored.

Why we don't pre-fill the other lines

Legal fees, title insurance and inspections vary by provider and property, and a made-up default would quietly become "the number" in your planning. Get real quotes — they're free — and this page adds them honestly. What belongs on the list, what each covers and roughly when it's payable is explained in Ottawa closing costs explained. Buying a new build? Budget separately for its extra closing items (development charge caps, Tarion enrolment, utility connections) — covered in the new-build guide.

Ottawa Property Guide is an independent information publication — not a brokerage, real-estate agent, or financial advisor. Content is general educational information, not professional advice. Full disclaimer.