Tool
Closing Clarity Map
Estimate the total cash you need on closing day. The calculator below produces a line-by-line breakdown: downpayment balance, Ontario land transfer tax (bracket by bracket), Toronto municipal LTT where applicable, first-time buyer rebates, title insurance, registration fees, disbursements, and legal fees. The map rows underneath sequence the dates, documents, and risk points that control the rest.
Free instant calculator
Closing Cash-to-Close Calculator
How much cash do you actually need on closing day?
Six short inputs about the purchase. The result is a line-by-line estimate of every dollar you need at the closing table: downpayment balance, land transfer tax, title insurance, registration, disbursements, and legal fees.
- Result shown on the page
- Copy emailed to you
- Reviewed before next step
Step 1 of 6
Purchase price (CAD)
Map inputs
Closing clarity comes from sequencing, not optimism.
Purchase, sale, refinance, transfer, commercial lease, or property decision tied to business or family wealth.
Matter typeOffer date, condition waiver, mortgage instruction timing, closing date, lease deadline, and document signing window.
TimelineTitle, financing, funds, tax, occupancy, corporate authority, family consent, lender requirements, or counterparty delay.
RiskAgreement, mortgage instructions, title documents, closing statement, direction, corporate authorization, or commissioning step.
Output
Next step
Send the file before the closing date compresses the options.
DRG can review the matter only after conflict and fit checks. Send the dates, agreement, lender or title documents, and the decision you need to make.