Closing-cost estimator
The cash a buyer needs beyond the down payment. Most buyers underestimate this; CMHC suggests budgeting 1.5–4% of the price.
Closing-cost estimator
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Land transfer tax
Property is in the City of Toronto
Property type
These three settings change the land transfer tax line only.
Other closing costs
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These are typical GTA figures, not quotes. Change any of them to match what your lawyer, inspector and mover have actually told you.
Estimated closing costs
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on top of the down payment
Rates and program rules are as of April 2026. Estimates only — your lender and lawyer confirm the final figures.