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Closing Costs Calculator

Estimate closing costs on a Canadian home purchase: land transfer tax, legal fees, title insurance, inspection, appraisal, adjustments, and moving costs.

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  • Restores your last inputs

1. Enter your numbers

Start with the assumptions you know.

2. Adjust the scenario

Change one input to see what matters.

3. Review the result

Use the estimate to compare and prepare.

Purchase & costs
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8% in Ontario; 0% where not charged

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Cash needed on closing day

Closing costs

$17,425

2.32% of the purchase price

Total cash required

$167,425

Includes your down payment

Land transfer tax
$11,475
Legal fees & disbursements
$2,000
Title insurance
$400
Home inspection
$500
Appraisal
$350
Property tax / utility adjustments
$1,200
Moving costs
$1,500
Total closing costs
$17,425

Land transfer tax, first-time buyer rebates and sales tax on mortgage insurance are applied for Ontario.

Estimates only. Figures are for planning purposes and are not financial, tax, or legal advice. Confirm all numbers with your lender, lawyer, and accountant.

Rules last reviewed 2026-08-01.

Where the money goes

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About this closing costs calculator

Use this free Canadian real estate calculator to explore scenarios before speaking with a lender, REALTOR®, lawyer, accountant, or other qualified professional. Results are estimates and should not replace professional advice.