Take a look at the following potential costs to estimate the funds you could need to complete the purchase of your home at closing.

Click Here if you would like to download a PDF version of the Housing Cost Worksheet.

Home Buying Cost Worksheet PDF Version Available For Download

Down Payment/Deposit : 

  • Downpayment (Amount of savings you’re putting towards the purchase less your deposit)
  • Deposit (Amount paid when you present the Offer to Purchase)

Closing Costs

  • Appraisal fee (if applicable)
  • Estoppel certificate fee (condominiums only)
  • GST / HST
  • Home inspection fee
  • Land transfer taxes / property transfer taxes (if applicable)
  • Legal fees and disbursements
  • Prepaid property taxes and/or utility bills adjustment
  • Property insurance
  • Survey or Certificate of Location
  • Title Insurance fees
  • Other

Other Expenses

  • Appliances
  • Gardening equipment
  • Snow-clearing equipment
  • Window treatments
  • Decorating materials
  • Hand tools
  • Dehumidifier
  • Moving expenses
  • Renovations or repairs
  • Service hook-up fees (telephone, cable etc)