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Closing Expenses & Up-Front Costs:

Although the purchase price is the biggest expense when buying a home, but there is more to owning a home than your monthly mortgage payments, below are some typical closing expenses and up-front costs:

Closing Expenses & Up-Front Costs:

  • Appraisal Fee (if applicable) $
  • Bridge Financing (if applicable) $
  • Deposit (to be paid when you sign the Agreement of Purchase & Sale) $
  • Down Payment (minus deposit already paid) $
  • Estoppel Certificate Fee (for condominium/strata units) $
  • Home Inspection Fee $
  • Interest Adjustment Costs $
  • Land Registration Fee $
  • Land Transfer Tax (1st time home buyer's get rebate) $
  • Legal Fees and Disbursements $
  • Mortgage Broker's Fee (if applicable) $
  • Mortgage Loan Insurance Premium (can be included in your mortgage) $
  • Adjustment for Prepaid Property Taxes and/or Utility Bills $
  • Home Insurance $
  • Survey (if applicable) $
  • Title Insurance $
  • Other Closing Costs $

Total Estimated Closing Expenses & Up-Front Costs $


While the following out-of pocket expenses are not part of the real estate transaction, but you will still need to budget for them. Plan your expenses as much as possible and if needed see what can be put off till later after you move in and get setlled:

  • New Appliances
  • Garden and/or Snow Clearing Equipment
  • Window Coverings
  • Renovations or Repairs
  • Moving Expenses
  • Utility Set Up Costs
  • Condominium Fees
  • Tools
  • Decorations
  • Furniture etc...