Toolkit
Closing Cost Estimator
Buying a new build? HST and the 2026 rebate rules can change new-construction costs significantly, and the rebate is often substantial. This estimator covers resale closing costs. For new builds, read the 2026 HST guide or ask William for your exact number.
Note: HST applies to commissions (13%). As a buyer, you typically don't pay commission directly, your agent is paid by the seller.
| Ontario Land Transfer Tax | $10,475 |
| Legal feesEstimate | $1,500 |
| Title insurance~0.15% of price | $1,050 |
| Home inspectionOptional but recommended | $500 |
| Estimated total | $13,525 |
Estimates only, for resale purchases. Confirm final figures with your lawyer before closing. New-build HST and rebates are handled separately, ask William for your exact number.