First-time buyer? Plan your cash.
Closing Costs Calculator
Land transfer tax, legal fees, title insurance, inspection, and CMHC — province by province. Know how much cash you need beyond the down payment.
Purchase details
10%
Tax rules and rebates change by municipality (e.g., Toronto adds a municipal LTT). This calculator uses provincial rules and common Toronto assumptions. Always confirm with your lawyer.
Total cash needed
$112,980
Down payment + closing costs
Closing cost breakdown
Down payment$70,000
Land transfer tax (gross)$21,550
Legal fees$1,000
Title insurance$400
Inspection$500
CMHC premium$19,530
Total closing costs$42,980