If you are buying a condo in the GTA, you probably have the down payment number burned into your brain. But the down payment is not the moment where your bank account takes the biggest surprise hit. Closing is. And closing costs are the annoying part because they feel like a bunch of smaller line items, until you stack them together and realize you are suddenly paying five figures… before you even buy...
If you’re trying to buy a condo in Toronto (or anywhere in the GTA) in 2026, the down payment part hits first. Not the mortgage rate. Not the condo fees. Not the lawyer stuff. The down payment. Because it’s the piece you can’t “finance around” unless you want to get into risky borrowing, and because the rules are… weirdly simple, but only once someone explains them properly. So this is...
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