Type your own purchase price — every figure below updates as you type. Estimates only, built on the rates in the guide.
$
%
Ontario land transfer taxGraduated brackets: 0.5% / 1% / 1.5% / 2% / 2.5% — collected by the Province, through your lawyer, at registration.
$0
First-time buyer land transfer tax refundUp to $4,000, applied against the tax at closing, through your lawyer.
−$0
Mortgage default insurance premiumAdded to the mortgage — not cash at closing, so it is not in the total.
$0
Ontario sales tax (PST) on the premium — 8%Cannot be added to the mortgage. Due in cash at closing — the classic closing-day surprise.
$0
Legal fees + disbursementsTypical all-in figure; most Ottawa purchases land in the $1,500–$3,000 range.
$2,000
Title insurance premium (one-time)Typical figure; most owner policies land in the $250–$500 range.
$400
Registration fees2 documents × $85 — the transfer and the mortgage charge, registered electronically.
$170
AppraisalTypical figure; most appraisals land in the $300–$600 range.
$350
TOTAL ESTIMATED CLOSING COSTS
$0
Resale home — no HST owing. HST applies to new and substantially renovated homes only; a resale home is exempt.
HST ON A NEW HOME — SHOWN SEPARATELY
HST is a tax on the home itself, paid to the builder on closing — it is not a closing cost, so it is not in the total above. Here is what you actually pay after the rebates that apply to you, and what they save you.
Sold from a sales office? Enter the builder's sticker price instead and the panel works backwards — the way one builder's sales office presents the rebate.
In the window, Ontario's enhanced rebate plus the Ontario affordability payment can return most — or all — of the HST on homes under $1,850,000.
HST with no rebates — 13%5% federal + 8% provincial. Charged on new and substantially renovated homes only; resale homes are exempt.
$0
Less: federal new housing rebate36% of the GST, up to $6,300 — full to $350,000, phased out by $450,000.
−$0
Less: Ontario new housing rebate75% of the provincial part, up to $24,000, at any price.
−$0
NET HST YOU PAY
$0
YOU SAVE
$0
One honest caution: when the enhanced rebate was announced, builders raised their base prices. The saving above is measured against today's asking price — part of the rebate is already absorbed in it, so no buyer captures the full 13% compared with prices from before the announcement.
If the builder raised the price by this much when the rebate was announced, here is what is left of the saving:
IF THE BUILDER RAISED THE PRICE BY…
SAVING YOU ACTUALLY KEEP
$0
$0
$0
$0
$0
$0
TOTAL COST OF THE HOMEThe price plus the net HST, payable to the builder.
$0
This total is net of HST — it assumes the rebate has been assigned to the builder, so the builder receives it from the government on your behalf. That is how builders advertise new-home prices: the sticker is the after-rebate price. If you claim the rebate yourself instead, you pay the full HST at closing and the government refunds you afterwards — the same destination, a different route.
How one builder works the rebate — an example. Some builders advertise a sticker price that already includes the HST, with a $24,000 rebate credit built in. The rest of the rebate is not deducted at the sales office — you pay the sticker, then claim the remainder after closing. Worked backwards, the sticker tells you the real price.
Builder sticker priceThe price on the sales-office sheet — the HST is already inside it.
$0
True net priceThe sticker with the HST backed out — what the home itself costs, before tax.
$0
HST buried in the sticker13% of the true net price — tax you pay without ever seeing it as its own line.
$0
Rebate already credited in the priceBuilt into the sticker by the builder — this slice is already in the number you were quoted.
−$24,000
Rebate you claim after closingNOT deducted at the sales office — you pay the full sticker, then file for this and wait for the refund.
$0
And if the builder raised the sticker when the enhanced rebate was announced, that increase lands on you — here is what it does to your true cost:
IF THE BUILDER RAISED THE STICKER BY…
EXTRA YOU PAY vs TODAY'S STICKER
$0
$0
$0
$0
$0
$0
TRUE NET COSTThe sticker minus the rebate you claim after closing — what the home really costs you.
$0
The sticker is itself a net-of-HST presentation: the price on the sheet already assumes the $24,000 rebate credit has been applied inside it. What it never assumes is the rest of the rebate — that money comes back only after closing, when you claim it.
Also budget for: a status certificate if you are buying a condo — $100, capped by regulation — and your first home-insurance premium, which is paid to your insurer on its own schedule.
Estimates only — not legal or tax advice, and your lawyer's statement of adjustments is the final word. Ottawa has no municipal land transfer tax — Toronto is the only Ontario city that charges one. Buying new construction? The panel above works the standard rebates, the first-time buyer rebates and the in-window enhanced relief — the full picture, including the rental route, the assignment paperwork and the deadlines, is in Buying New Construction in Ottawa and the One Mistake You Cannot Reverse. Rates checked October 2026.