All-in closing costs
The price isn't the whole cost. Here's every line you pay to close in Ontario — land transfer tax, legal, title, adjustments and more — as a realistic low-to-high band.
Your purchase
Estimated cash to close (on top of your down payment)
$17,425 – $23,850
A realistic low–high band. Your lawyer confirms the exact figures on your statement of adjustments.
- Land transfer tax (net of rebates)
- $14,475
- Legal fees & disbursements
- $1,500 – $3,000
- Your lawyer's fee plus title registration and disbursements.
- Title insurance
- $250 – $675
- One-time policy protecting your ownership and lender against title defects.
- Home inspection
- $400 – $700
- Optional pre-purchase inspection (skip on many pre-construction deals).
- Appraisal
- $0 – $500
- Frequently waived or lender-covered on insured mortgages.
- Property-tax & utility adjustments
- $300 – $2,000
- Reimbursing the seller for prepaid property tax or utilities after closing.
- Moving & set-up
- $500 – $2,500
- Movers, connections and immediate set-up — budget to taste.
Ask for a lender introduction (optional)
Dan Angelopoulos, Broker of Record, introduces you to a mortgage professional by email; it is not an application, and nobody runs a credit check.
Land transfer tax
Ontario + Toronto LTT with rebates.
Rent vs buy
Should you buy at all, yet?
Mortgage + stress test
Payments and the qualifying rate.
About these figures
Land transfer tax (Ontario + Toronto, with first-time-buyer rebates) uses our LTT calculator. The other line items are typical Ontario ranges as of 2026-07 and vary by lawyer, insurer and property — your lawyer's statement of adjustments is the authority. Ontario charges 8% PST on the CMHC premium in cash at closing when you put less than 20% down. Estimates only, for general information — not legal, financial, or tax advice and not a quote. Ranges last reviewed 2026-07-24.
BroadBricks Realty Group Inc., Brokerage