Closing costs

Your closing costs will be part of the Statement of Account provided by your lawyer on closing date.
Your downpayment will be due at the same time.
This must be paid before taking possession.

Your lawyer will give you the amount to submit prior to closing which will include the downpayment (minus the amount paid as deposit), and closing costs. If you want an estimate for budgetary reasons, you can use ratehub.ca calculators but generally falls within 2% of purchase price (closer to 1% if you're a first-time buyer who is buying out of Toronto area).

Normally all of your closing costs will be due to your lawyer by bank draft or certified cheque. It’s generally the day before closing.