Free for Ontario Home Buyers

Stop guessing.
Start closing.

Closing Day Ontario walks first-time buyers through every step of the home buying process — from saving your down payment to getting the keys. With deeper tools for Ottawa buyers built right in.

Get the Free App See how it works

Free until it's not  ·  No credit card required

How It Works

Your whole journey,
in one place

Most first-time buyers are overwhelmed because the process is scattered across Google searches, spreadsheets, and advice from people who bought 15 years ago. We fixed that.

01
Create a free account

Sign up with Google or your email in under 30 seconds. No forms, no subscriptions, no credit card.

02
Choose your location

Tell us where you're buying. Ottawa buyers get a deeper, more local experience. Everyone else gets the full Ontario guide.

03
Run your numbers

Calculate your real mortgage payment, CMHC premium, land transfer tax, and closing costs — all in one place.

04
Track and ask anything

Follow your 8-step journey to closing day and get instant AI answers whenever a question comes up.

Built for Ontario

Built for Ontario.
Goes deeper
in Ottawa.

When you sign in for the first time, you pick where you're buying. Ottawa buyers unlock a more detailed experience — local inspection items, Hydro Ottawa setup, neighbourhood context, and winter-specific guidance. Buying somewhere else in Ontario? You still get the full toolkit with province-wide tips and Ontario land transfer tax calculations.

More great Ontario cities coming soon.

Where are you buying?
We'll tailor your experience to your market.
Ottawa, Ontario
Ottawa-specific pricing, winter inspection tips, Hydro Ottawa setup, and local neighbourhood insights
Somewhere else in Ontario
Full Ontario home buying guide with land transfer tax calculations and province-wide tips

More great Ontario cities coming soon.

Features

Buyer Budget
Planner

Know exactly what you can afford before you start house hunting. The Budget Planner runs the full picture — not just the mortgage payment, but everything that comes with it.

  • Mortgage calculator with stress test built in
  • CMHC insurance premium calculator
  • Ontario land transfer tax with first-time buyer rebate
  • Full monthly budget breakdown and scenario saving
Closing Day Ontario Budget Planner

AI Home Buying
Assistant

Have a question at 11pm and your agent isn't picking up? The AI Assistant gives you clear, conversational answers about anything related to buying a home in Ontario.

  • Powered by Claude AI for accurate, nuanced answers
  • Understands Ontario rules, processes, and timelines
  • Explains closing costs, conditions, title insurance, and more
  • Available any time, no waiting
Closing Day Ontario AI Assistant

Home Inspection
Checklist

Walk into your home inspection ready. Track every item, flag issues, and know what questions to ask. Ottawa buyers get additional local items built right in — clay soil foundations, winter considerations, and more.

  • 42-item checklist covering every room and system
  • Ottawa-specific items for local buyers
  • Red flags section for deal-breaker issues
  • Upload your inspection report for reference
Closing Day Ontario Inspection Checklist

Home Buying
Timeline

See your entire journey mapped out. Set your offer acceptance date, condition removal date, and target closing date — and track exactly where you are in the process.

  • 8-step journey from saving to move-in
  • Key dates tracked in one view
  • Never miss a deadline or condition removal date
  • Full reports and journey summary
Closing Day Ontario Timeline
Everything Included

Six tools.
One free app.

Everything you need to go from "thinking about buying" to handing over the keys — without paying for a single thing.

Budget Planner

Mortgage, CMHC, land transfer tax, closing costs, and your full monthly budget — calculated together.

Inspection Checklist

42-item checklist with seasonal and Ottawa-specific items. Track issues and flag red flags in real time.

Insurance Guide

Eight types of home insurance explained clearly — from title insurance to sewer backup riders.

Move-In Checklist

Utilities, address changes, keys, internet setup — everything you need before and after you move in.

AI Assistant

Ask anything about buying a home in Ontario. Get real, conversational answers powered by Claude AI.

Collaboration

Share your home buying journey with your partner, mortgage broker, or real estate agent.

Built for Ontario

One app. All of Ontario.
Ottawa goes deeper.

Closing Day Ontario works for buyers across the province. Ottawa buyers get a more detailed, local experience — because that's where it started.

Ontario Wide

Works for every
Ontario buyer

No matter where in Ontario you're buying, you get the full toolkit — budget planning, AI answers, inspection tracking, timeline management, and more.

  • CMHC insurance calculations built for Ontario buyers
  • Ontario land transfer tax with first-time buyer rebate
  • AI answers tailored to Ontario real estate rules
  • 30-year amortization calculations for first-time buyers
  • More great Ontario cities coming soon
Ottawa Specific

A deeper experience
for Ottawa buyers

Ottawa buyers unlock a more detailed layer of the app — local knowledge, neighbourhood context, and city-specific guidance built in from day one.

  • Ottawa inspection items — clay soil, older infrastructure, harsh winters
  • Hydro Ottawa and utility setup guidance
  • Local neighbourhood insights from the Ottawa market
  • AI that understands Ottawa-specific timelines and norms
  • Seasonal checklist items for Ottawa winters
$4K
First-time buyer land transfer tax rebate in Ontario
5%
Minimum down payment on homes under $500K
30yr
Max amortization now available for first-time buyers
~2%
Typical closing costs on top of purchase price
Why Free?

Completely free.
No strings attached.

Buying a home is already expensive. The tools to help you do it right shouldn't be.

No subscription

Every tool, every feature, every update. Free forever. No premium tier, no locked features.

No spam

Sign up with Google or email. We don't sell your data or flood your inbox.

Works on everything

Phone, tablet, laptop — Closing Day Ontario works on any device, any time.

Share with your team

Invite your partner, agent, or broker to collaborate. Everyone stays on the same page.

Your closing day
starts today.

Join Ontario home buyers using Closing Day Ontario to buy smarter, stress less, and get to the keys faster.

Get the Free App

Free until it's not  ·  No credit card required