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Closing Costs Calculator
Estimate how much cash you may need to complete your home purchase beyond your down payment.
- 1Enter detailsAdd your numbers
- 2Review costsSee the breakdown
- 3See resultsYour estimate updates live
Your details
Change any number — results update instantly.
First-time buyer?
New construction?New builds can involve HST and rebate situations — flagged for professional review.
Insured mortgage? (less than 20% down)
Estimated cash required at closing
$169,775
Recommended cash buffer: $16,978
- Purchase costs — $185,675
- Optional costs — $2,900
Purchase costs
Down payment$170,000
Land transfer taxes (net of rebates)$13,475
Legal fees$1,800
Title insurance$400
Optional costs
Inspection$500
Appraisal$400
Moving expenses$1,500
Other$500
Adjustments
Property taxes$1,000
Condo fees$0
Utilities$200
Deposit already paid−$20,000
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Sources & last updated
- Ontario land transfer tax rates0.5% – 2.5% marginal bracketsGovernment of Ontario — Land transfer tax In effect: January 1, 2017 · Last updated on this site: October 7, 2026
- Ontario first-time buyer rebateUp to $4,000Government of Ontario — Land transfer tax refunds for first-time homebuyers In effect: January 1, 2017 · Last updated on this site: October 7, 2026
- Toronto municipal land transfer tax & rebateUp to 7.5% luxury brackets; rebate up to $4,475City of Toronto — Municipal Land Transfer Tax (MLTT) In effect: April 1, 2026 · Last updated on this site: October 7, 2026
- HST in Ontario13%Canada Revenue Agency — GST/HST rates In effect: July 1, 2010 · Last updated on this site: October 7, 2026
Government figures change. Always confirm current rates with the official source, your lawyer or the municipality before relying on an estimate.