Closing Cost Calculator

See the full cash you'll need on closing day

Your down payment is only part of the cash you need to buy a home. Land transfer tax, legal fees, title insurance, inspections and adjustments all come due around closing day, and in Toronto you pay land transfer tax twice.

Use this calculator to see a realistic total, then adjust the estimates once you have quotes. Have questions about your budget? Book a free consultation and I'll walk you through every line.

Your purchase

Purchase price

Down payment

Where is the home?

City of Toronto Elsewhere in Ontario

I'm a first-time home buyer

It's a condo

Adds a status certificate fee and a typical move-in deposit.

Other costs (typical estimates, edit to match your quotes)

Legal fees and disbursements

Title insurance

Home inspection

Adjustments

Moving costs

Other

Adjustments reimburse the seller for property tax, utilities or condo fees they've prepaid past closing.

estimated cash needed on closing, including your down payment

Down payment	$0
Ontario land transfer tax	$0
Ontario first-time buyer refund	$0
Toronto land transfer tax	$0
Toronto first-time buyer rebate	$0
Sales tax on mortgage insurance	$0
Legal fees and disbursements	$0
Title insurance	$0
Home inspection	$0
Status certificate and move-in deposit	$0
Adjustments	$0
Moving and other	$0
Closing costs (excluding down payment)	$0

Book a free consultation Mortgage calculator

Estimate only. Land transfer tax uses current Ontario and City of Toronto rates and first-time buyer rebates (up to $4,000 and $4,475). With less than 20% down, mortgage default insurance is added to your mortgage, but Ontario's 8% sales tax on the premium is due at closing. Other amounts are typical estimates; your lawyer will give you the exact figures before closing. Rules current as of October 2026. Not legal, tax or financial advice.