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Bo YuOttawa Real Estate
House keys and mortgage paperwork on a desk

Ottawa buyer tools

Ottawa mortgage & closing cost calculator

A working estimate of your monthly mortgage payment, plus the usual costs of buying in Ottawa: land transfer tax, CMHC insurance, legal fees, inspection, title insurance, and more.

Your numbers
Monthly payment

$2,962.48

Principal & interest on $520,000 at 4.79% over 25 yrs

Mortgage (P&I)
$2,962.48
Property tax
$433.33
Heat / utilities
$120.00
Home insurance
$85.00
Total monthly$3,600.82
One-time closing costs

Every line links to a page explaining who charges it and when it's due.

Total closing costs$14,358

Rates and thresholds verified August 2026. See all buyer costs.

Cash needed at closing
Down payment
$130,000
Closing costs
$14,358
Total cash$144,358

These are planning estimates only. Actual costs depend on your lender, lawyer, insurer, and the specific property. For a closer look at your situation, talk to Bo.

Calculator results are estimates for general information only, based on the assumptions shown, and are not legal, tax, mortgage or financial advice or an offer of credit. Actual rates, payments, taxes, fees and values vary — confirm the numbers with your lender, lawyer or accountant before relying on them. Full disclosures.

Ottawa in focus

What the city actually looks like

Laptop with real estate listings and mortgage paperwork on a kitchen table
Planning a purchase, mortgage and closing from the kitchen table.
Young family at the front door of their new Ottawa home
First-time buyers stepping into their Ottawa home.
Row of modern detached suburban homes in west Ottawa
Family-friendly suburbs like Kanata, Barrhaven and Stittsville.