Ontario closing costs calculator
Add up land transfer tax, legal fees, title insurance, and more to see the cash you need to close.
Every line item. Land transfer tax, legal, title, inspection, appraisal, and PST.
First-time buyer rebates. Applies the provincial and Toronto land transfer tax rebates for you.
Offset the cost. Get up to $25,000 back from our commission, toward your closing costs.
Editable estimates. Swap in your own quotes for a total you can trust.
What's the home price?
The purchase price of the property you are buying.
How much are you putting down?
Under 20% adds 8% PST on your CMHC insurance at closing.
In the City of Toronto
Adds the Toronto municipal land transfer tax.
First-time home buyer
Applies the land transfer tax rebates.
Buying a condo
Adds the condo status certificate cost.
Estimated closing costs
$26,296
About 3.8% of the purchase price, due at closing
Offset it with Zown
An estimate for Ontario purchases, not legal or tax advice.
Ontario
Closing costs in Ontario, explained
Every cost between an accepted offer and getting your keys, and how Zown helps you cover them.
Land transfer tax leads
It is the biggest closing cost by far. Toronto buyers pay both a provincial and a municipal tax, so a $700,000 home carries $20,950 before any first-time buyer rebate.
Legal fees
An Ontario real estate lawyer typically charges $1,500–$2,500 plus disbursements and HST to search title, register the transfer, and close the deal.
Title insurance
A one-time policy, usually $250–$500, that protects you and your lender from title fraud and defects. Most lenders require it.
PST on CMHC insurance
Put down under 20% and you owe 8% Ontario PST on your CMHC premium, in cash at closing. The premium goes on your mortgage, but the PST does not.
Inspection, appraisal & condos
Budget $300–$500 each for a home inspection and appraisal. Buying a condo adds a status certificate review, capped at $100 + HST in Ontario.
The Zown difference
Buy with Zown and get 1.25% of the price back (up to $25,000) at closing. Put it straight toward these closing costs so you need less cash to close.
Tax figures are current as of July 2026 (ontario.ca, toronto.ca). Service-fee ranges are typical Ontario estimates and vary by provider. This is general information, not legal or tax advice.
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Closing cost questions, answered
Common questions about Ontario closing costs, land transfer tax, and buying with Zown.
Still have questions?
Our team can help you understand your options and walk you through the numbers.