Buying · July 2026
Ontario closing costs: a buyer’s planning list
The costs that deserve space in your budget before offer day.
The common items
Ontario land transfer tax, legal fees, title insurance, inspection, appraisal-related costs where applicable, moving, adjustments and a reserve all deserve attention.
Keep funds accessible
Closing costs are often due around closing, so they should not be assumed to come from an illiquid investment or a last-minute source.
Planning visual
Typical planning categories
Categories shown for planning—not a quote or a percentage of your purchase price.