On closing, you will need to provide your lawyer with a certified cheque to them “In trust” to cover the down payment, as well as the other closing costs. The exact closing costs depend on where you live, how much you are borrowing, etc., and your lawyer will advise you of the exact amount required a day or two in advance.

Don’t forget, in order to close you will have to provide proof to the lender that you have home (fire) insurance, and if a newly built home, the “new home warranty”.