Wondering what it really costs to close on a home in Ontario? Get an instant, itemized estimate below — our flat legal fee, land transfer tax (including Toronto’s municipal tax and first-time buyer rebates), title insurance, and every disbursement, line by line. No “software fees,” no “admin charges,” no surprises at closing: the fee is the fee.
Ontario Closing Cost Calculator
Instant, itemized estimate — legal fees, land transfer tax, title insurance & disbursements. No hidden “software” or “admin” surprises: the fee is the fee.
Private or B-lender mortgage? Contact us for pricing.
Legal fees
Disbursements (estimates, no HST)
Land transfer tax
Estimate only — not a quote or retainer. Excludes Statement-of-Adjustments items (property tax, utilities, common expenses), lender/broker charges, NRST for non-residents, HST on new construction, and matters requiring extra work (quoted before we start). Final figures are confirmed in your engagement letter.
Turn this estimate into a firm quote — free 15-min callBook online 24/7 · or call 1-855-522-5290
Our flat legal fees — what’s included
Every standard residential transaction starts from one transparent base fee. HST and disbursements (third-party costs we pay on your behalf) are always shown separately — exactly as the Law Society requires — and we honour our advertised fees. Non-standard matters (estates on title, private lenders, litigation holds, multi-parcel deals) are quoted in writing before any work begins.
| Transaction | Flat professional fee | Includes |
|---|---|---|
| Purchase | $1,499 + HST (+ $500 with a new bank mortgage) | Title & off-title review, requisitions, closing funds handling in trust, registration, reporting |
| Sale | $1,499 + HST | Discharge of your first mortgage included; payout handling, closing, reporting |
| Refinance | $1,499 + HST | Discharge of your existing first mortgage included; new charge registration, lender reporting |
Additional mortgage discharges are $500 each (institutional; $800 private). Private or B-lender mortgages are quoted individually — contact us.
Ontario land transfer tax, explained
Ontario charges land transfer tax on every purchase, on a sliding scale (Land Transfer Tax Act, R.S.O. 1990, c. L.6):
| Portion of purchase price | Rate |
|---|---|
| First $55,000 | 0.5% |
| $55,000 – $250,000 | 1.0% |
| $250,000 – $400,000 | 1.5% |
| $400,000 – $2,000,000 | 2.0% |
| Over $2,000,000 (residential) | 2.5% |
Buying in Toronto? The City charges a second, municipal land transfer tax (MLTT) with the same brackets — effectively doubling the tax — plus higher rates on luxury homes over $3 million and a small administration fee.
First-time buyer? You may pay no land transfer tax at all
Qualifying first-time buyers get up to $4,000 back from Ontario (full refund on homes up to $368,000) and up to $4,475 from Toronto (full rebate on homes up to $400,000) — up to $8,475 combined. To qualify you must be 18+, a Canadian citizen or permanent resident, have never owned a home anywhere in the world, and move in within nine months. The calculator applies both rebates automatically — and if only some buyers qualify (say, a parent going on title with a first-time-buyer child), it prorates the refund to the qualifying buyers’ share. Married couples have a special rule: if the non-qualifying spouse sold their previous home before you became spouses, you can still claim the full refund. New to home buying? Start with our first-time home buyer guide for Filipino newcomers.
The other closing costs, honestly itemized
- Title insurance — protects you and your lender against title defects, fraud and survey issues. Premiums scale with price; the calculator estimates from published Ontario rates.
- Government registration fees — $85 per electronic registration (transfer, mortgage).
- Title & writ searches — Teranet parcel and execution searches, billed at cost.
- LawPRO transaction levy — a $65 Law Society insurance levy. It applies when we act on your sale; title-insured purchases and refinances are exempt, so we don’t charge it there.
- Conveyancing software fee — $0. Many Ontario firms pass through a per-file software charge (commonly $249 + HST), because third-party transaction fees get billed to the client. Our conveyancing software is built in-house, so that line will never appear on your bill.
- Status certificate — $100 for condos, paid to the condo corporation.
- Wire and bank fees, ID verification, office & digital communications — small flat amounts, all shown in your estimate.
Have your Agreement? Get a firm quote — free
The calculator above is an estimate. If you already have your Agreement of Purchase and Sale (or your mortgage instructions), upload it below and our team will review your actual deal and email you a written firm quote — no obligation.
Have your Agreement? Get a firm quote — free
Upload your Agreement of Purchase and Sale (or mortgage instructions) and our real estate team will review it and email you a written firm quote. No obligation, no account needed.
Frequently asked questions
Why do some firms advertise $799 or $999 closings?
The same closing can be quoted at wildly different "fees" depending on how much is moved into disbursements — conveyancing software charges (commonly $249 + HST per file), file-opening fees, "law office administration," per-mortgage surcharges. Compare the all-in total, not the headline fee. Our calculator shows you the whole number up front, and because our software is in-house, there is no software fee at all.
Is this estimate a quote?
It's a close estimate of a standard residential transaction. Your exact figures are confirmed in writing in our engagement letter before any work begins — and we honour our advertised fees.
What's NOT included?
Adjustments the seller is owed (prepaid property tax, utilities, condo fees), your lender's own charges, moving costs, Non-Resident Speculation Tax, and HST on new-construction homes. Complex matters (estates on title, private lenders, litigation holds) are quoted before we start.
Do you handle closings outside Toronto?
Yes — we close purchases, sales and refinances anywhere in Ontario. Everything can be handled remotely with secure digital signing and verified ID. Learn more about our real estate closing services or meet our closing lawyers.
Do you review the condo status certificate for free?
The status certificate itself costs $100 (a cap set by the Condominium Act), payable to the condo corporation. Our lawyer's review of the certificate is included in your retainer for every condo purchase — there is no separate review fee. We provide the review once you have retained us, so that the lawyer who reviews your certificate is the same lawyer responsible for your closing.
When should I involve a lawyer?
Ideally before you sign the Agreement of Purchase and Sale — and no later than the moment your deal goes firm. Refinancing instead? See our mortgage refinancing guide for Filipino homeowners.
This page provides general information, not legal advice. Figures current as of July 2026; land transfer tax and rebate rules are set by statute and may change.
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