Your Closing Cost Checklist

Before you buy, we’ll make sure you’ve considered the costs that may apply to your purchase:

Before Making An Offer

• Down payment
• Deposit
• Mortgage-related costs
• Potential appraisal
• Home inspection

At Closing

• Ontario Land Transfer Tax
• Toronto Municipal Land Transfer Tax
• Legal fees and disbursements
• Status Certificate review, if purchasing a condominium
• Title insurance
• Mortgage registration and related costs
• Adjustments
• HST, if applicable
• New-construction costs, if applicable

After Closing

• Mortgage payments
• Property taxes
• Condo or maintenance fees
• Home insurance
• Utilities
• Repairs and maintenance