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
This price requires at least 5.8% down (5% on the first $500K, 10% above).
Legal fees
$
Title insurance
$
Home inspection
$
Ontario land transfer tax$8,473
Legal · title · inspection$2,800
Closing costs$11,273
Down payment$119,980
Total cash to close$131,253
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.
Neighbourhood market
The Sunderland market
How homes are selling here right now — sold data for June 2026.