Ottawa buyer tools
Mortgage & closing cost calculator
A realistic estimate of your monthly mortgage payment plus every standard cost 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
Ontario land transfer tax
$9,475
Legal fees & disbursements
$1,800
Title insurance
$400
Home inspection
$550
Appraisal
$400
Property tax adjustment
$433
Moving (estimate)
$1,200
Total closing costs$14,258
Cash needed at closing
Down payment
$130,000
Closing costs
$14,258
Total cash$144,258
Estimates for planning only. Actual costs vary based on your lender, lawyer, insurer, and the specific property. For a personalized review, talk to Bo.
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