Ontario new-build cash-to-close calculator

Know the cash you need before closing day.

Start with a few numbers you already know. See one closing-cash estimate for an Ontario new build, then refine it as your builder and lawyer paperwork gets clearer.

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Closing workflowGuided worksheet

Work through the few numbers you know now. Open the full assumptions only when you need them.

Step 1 of 5

Start with the home

Use the price and property details from the agreement of purchase and sale.

Purchase priceUse the APS or builder listed price unless the only number you have is base before HST.

Which price do you have?

LocationHome type

Keep planning while you estimate

Useful next checks stay visible before the final review step.

DocumentsCheck the numbers you will need next.

Use the APS, deposit receipts, builder worksheet, and lawyer's funds request to replace estimates as the file gets clearer.

Check documentsWhy it changesA rebate is only one line in the closing number.

Builder credit timing, land transfer tax, CMHC PST, deposits, legal/title costs, and adjustments can all move the wire amount.

See rebate timingSource-backed guides3 items still need confirmation.

When a line item looks off, use the guide cluster to check the rule behind the estimate before relying on it.

Open guides

Source-backed guides

Know the cash you need before closing day.

Start with the home

Useful next checks stay visible before the final review step.

Check the rule behind a line item