Closing Costs Calculator
Land transfer tax & fees
Closing Cost Calculator
Adjustable Costs
Toronto buyers pay double land transfer tax — the Ontario provincial LTT plus the municipal MLTT. First-time buyers get rebates on both.
Results
Why Use This
Closing costs are the hidden expense that catches many buyers off guard — typically 1.5–4% of the purchase price on top of your down payment. This calculator breaks down land transfer tax, legal fees, inspections, and insurance by province, including Toronto's double tax.
Who Uses This
Buyers budgeting for a purchase, especially first-timers who may not realize closing costs exist, and anyone buying in Ontario where Toronto's MLTT doubles the tax.
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