New build cost calculator for Ottawa

HST relief, land transfer tax, mortgage insurance and closing costs on top of the builder price.

The home

Builder price (HST included)

Lot premium

Upgrades

You

When was (or will be) the agreement signed?

First-time home buyer?

Will you live in it?

Mortgage

Down payment

Minimum for this price: 7.11%Interest rate

Amortization

Closing costs

Paid on closing day, besides land transfer tax.

What the warranty covers: tarion.com/homeowners

Property tax adjustments and other charges in the builder’s agreement.

Getting the home set up

Mostly paid after you move in.

Regular curtains cost less.

Ask the builder when these can be installed.

Best done about six months after closing. Report anything before then through the builder and Tarion.

Estimated total cost$799,415Cash by closing$186,511

About these numbers

Estimates only, not legal, tax or financial advice. HST rebates use the CRA's current GST/HST New Housing Rebate guide (RC4028), including Ontario's enhanced new housing rebate for agreements signed April 1, 2026 to March 31, 2027. Land transfer tax uses Ontario's rates, and mortgage insurance uses CMHC's premium schedule. Eligibility depends on details this calculator can't check, so confirm with Ron and your real estate lawyer before you sign.

Want your exact numbers?

Send Ron the project and model you're looking at. He'll go through the builder's actual deposit schedule, closing adjustments and which HST rebates apply to you.

Or call Ron at (613) 890-0444