Calculators
Closing costs calculator
Estimate your closing costs and total cash needed at closing — including legal fees, title insurance, land transfer tax, and PST on your default-insurance premium where applicable. For a typical resale-home purchase from an A-lender.
Your purchase
Leave blank to use today's date. Only affects the provincial tax on your default-insurance premium where the rate changes over time.
Cost components
Most insured purchases waive the appraisal fee.
Total cash needed at closing
$35,595.00
$10,595.00 closing costs + $25,000.00 down payment.
Breakdown
| Legal fees | $1,800.00 |
| Title insurance | $300.00 |
| Home inspection | $500.00 |
| Appraisal fee Disabled — most insured purchases waive the appraisal fee. | — |
| Ontario RST on default-insurance premium | $1,520.00 |
| Land transfer tax | $6,475.00 |
| Closing costs total | $10,595.00 |
| + Down payment | $25,000.00 |
| Total cash needed | $35,595.00 |
New construction adds GST/HST; condos add a status certificate fee. Talk to a verified agent for your specific scenario.
Estimates only. Actual closing costs vary by lender, lawyer, property type, and provincial rules — verify with your lawyer or a verified agent before closing.