Free tool
Closing-Cost Estimator
See the true cash you need on closing day — down payment, land transfer tax, the Toronto municipal add-on, and your first-time-buyer rebate, all in one number.
$1,049,900
$500K$2.5M
20% · $209,980
5%50%
Estimated cash to close
$231,403
down payment + land transfer tax + professional costs
- Down payment
- $209,980
- Ontario land transfer tax
- $17,473
- Legal fees (est.)
- $2,000
- Title insurance (est.)
- $950
- Adjustments (est.)
- $1,000
- Closing costs
- $21,423
- Cash to close
- $231,403
Buying new construction? HST treatment can change this picture — run the HST Rebate Calculator alongside this one.
Estimates only, based on published Ontario and City of Toronto land transfer tax rates and typical professional costs. Your lawyer's statement of adjustments is the real number — not legal, tax, or lending advice.
Estimates today. Become a client and your concierge tracks every deposit, deadline and closing figure as your deal moves — a step ahead of you.
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