Real estate · 6 min read · Published September 2026
Selling a home in Ontario: closing details to prepare
What sellers should organize about title, mortgages, closing adjustments, keys, vacant possession, and tax questions.
Short answer
A home sale closing requires the seller’s lawyer to transfer title, pay out registered debts, adjust taxes or utilities, and deliver the documents and possession required by the agreement. Provide accurate property information early and ask about unusual title, tenancy, renovation, or closing issues.
What should sellers gather?
The lawyer and lender need accurate information to prepare the transfer and discharge. Delays can occur when a mortgage, line of credit, estate issue, or name mismatch is discovered late.
- Purchase agreement and amendments
- Mortgage and line-of-credit lender details
- Tax bills, utility information, and condo contact details
- Keys, warranties, permits, leases, and renovation records
What can affect the closing statement?
Adjustments can include property taxes, condo fees, rent, fuel, and other agreed items. Ask for a statement of adjustments and identify any repair, holdback, or possession terms in the agreement.
- Confirm the payout amount for every registered debt
- Ask how sale proceeds will be delivered
- Disclose tenants, work orders, or disputes
- Do not promise vacant possession unless you can deliver it
Common questions
What if the seller cannot close on time?
A missed closing can create contractual and financial consequences. Contact the lawyer immediately rather than assuming an extension is automatic.
Can a seller hide a known defect?
Disclosure obligations can depend on the nature of the issue and the circumstances. Do not make a representation you cannot support; ask for legal advice about a known problem.
Official sources to check
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