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Closing Costs Estimator

Budget the one-time costs to finalize your home purchase. Includes land transfer tax, legal fees, title insurance, inspection, and tax adjustments — all editable.

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Total cash needed at closing

$166,375

Includes $150,000 down payment + $16,375 in closing costs

Land transfer taxOntario
$11,475
Legal / notary fees
$1,800
Title insurance
$300
Home inspection
$500
Appraisal (if required by lender)
$0
Property tax / utility adjustmentsReimbursing the seller for prepaid amounts
$800
Moving costs
$1,500
Closing costs subtotal$16,375

Defaults are typical Canadian ranges. Adjust each line based on quotes you receive. Realtor commission is paid by the seller and not included.

The information presented on HousingPortal.ca is intended for general illustrative purposes only. While the information is believed to be reliable, it cannot be guaranteed for accuracy, completeness, or currency. Neither HousingPortal.ca and its employees, nor any other party identified in this guide/report, assumes any liability for the information provided. The views and opinions expressed by the analysts at HousingPortal.ca are their own and should not be considered as investment advice. It is recommended that you seek the advice of a licensed real estate professional before making any decisions regarding real estate investments.