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Closing costs calculator
Buying a home costs more than the price. Estimate what you'll need on closing day, including Ontario land transfer tax.
Estimated closing costs
$0
- Ontario land transfer tax
- $0
- First-time buyer refund
- $0
- Legal, inspection, title insurance and other
- $0
An estimate only. The amounts in the boxes are placeholders, so replace them with real quotes. Brantford and the County of Brant do not charge a municipal land transfer tax. Does not include your down payment. Property tax and utility adjustments are settled by your lawyer on closing. Rates and rebates change, so confirm with your lawyer.
What's included
Typical buyer closing costs
Land transfer tax
Ontario charges it on the purchase price. Eligible first-time buyers can get a refund of up to $4,000.
Legal fees
Your lawyer handles title, mortgage documents and closing. Get a quote.
Title insurance
A one-time premium that protects against certain title problems.
Inspections
A home inspection is money well spent. Rural homes may also need well and septic tests.
Adjustments
Property tax and utilities paid by the seller are reimbursed on closing.
Moving and set-up
Movers, utility hookups, and any immediate repairs or updates.
Keep reading
Related guides
Next step
Questions about the costs?
Jon will go through every cost with you before you make an offer.