What you actually need in cash — land transfer tax, closing costs, and your down payment.
Purchase price
$
Down payment · 20.0%
$
Down:or type any amount above
Legal fees
$
Title insurance
$
Home inspection
$
Ontario land transfer tax$1,715
Toronto municipal LTT$1,715
Legal · title · inspection$2,800
Closing costs$6,230
Down payment$39,800
Total cash to close$46,030
Estimates only, not legal or tax advice. Ontario LTT rates 2025; City of Toronto MLTT applies inside Toronto (incl. Scarborough, North York, Etobicoke, York, East York). Durham and Markham buyers pay no municipal LTT.
$199,000
Neighbourhood market
The North St. James Town market
How homes are selling here right now — sold data for June 2026.
Balanced marketAll home types in North St. James Town · 29 sales over 3 months
Buyer'sBalancedSeller's
Homes in North St. James Town are selling near asking in about 27 days. Neither side has the upper hand right now.
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