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Closing Costs Calculator (Canada)

Province & city aware land/property transfer tax. Toggle First-Time Home Buyer to apply eligible rebates/exemptions. Add optional typical items for a realistic total.

Purchase Price (CAD)

Province

City / Region

Options

First-Time Home Buyer Include Legal & Title (est.) Include Appraisal (est.) Include Home Inspection (est.)

FTHB coverage: ON (provincial rebate + Toronto municipal rebate), BC (exempt-first with threshold/phase-out). Others default to no LTT rebate in this tool (many use income-tax credits). You can extend any province/city in the FTHB_RULES below.

November 11, 2025

What First-Time Home Buyers Need to Know About Closing Costs and Land Transfer Tax in Ontario

Buying your first home is exciting—but it’s important to understand that your down payment isn’t the only upfront cost - especially if you are eyeing Toronto.

You might find our Mortgage Payment Calculator useful to help determine mortgage costs on your property.