Closing Costs Calculator
Estimate your land transfer tax, closing costs and the funds you'll need on closing for a home purchase in Ontario.
Funds needed on closing
$0
The closing costs
Our legal fee$1,300 + HST
Flat fee for a standard residential purchase: title search, mortgage and closing documents, and registration on closing. With HST, $1,469 is included in the total below.
Ontario land transfer tax
Paid to the province on a sliding scale by purchase price.
Toronto municipal land transfer tax
Charged on top of the provincial tax for purchases in the City of Toronto.
First-time buyer rebate
Title insurance
Estimated from TitlePLUS's published Ontario residential premiums, owner and lender coverage combined.
Disbursements$500
Amounts we pay to third parties on your behalf, such as government registration fees, title search, software and courier charges. Billed at cost.
Total closing costs
Your down payment
Purchase price
Less: deposit already paid
Less: mortgage advance
Balance of down payment
General information only, not legal advice. Estimates use Ontario and City of Toronto land transfer tax rates in effect April 1, 2026, and TitlePLUS's Ontario residential premiums (March 2025). Property tax, utility and condo fee adjustments, HST on new builds, and lender fees are not included. Your final figures will be confirmed in your statement of adjustments and our trust ledger before closing.