Land transfer tax & closing costs
Land transfer tax is usually the biggest closing-day cost, and it's paid in cash, not rolled into your mortgage.
What you'll owe at closing
Estimated land transfer tax
$0
Typical other closing costs
Legal fees (est.)$1,800
Title insurance (est.)$400
Home inspection (est.)$500
Total closing costs$0
Cash needed to close (+ down payment)$0
Estimates only, your lawyer or notary confirms the exact figures. Land transfer tax can't be financed into the mortgage; it's cash on closing day. Legal, title and inspection amounts are typical ballparks and vary. Rates verified for 2026; provincial rules and rebates can change.