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 7.6% down (5% on the first $500K, 10% above).
Legal fees
$
Title insurance
$
Home inspection
$
Ontario land transfer tax$17,675
Legal · title · inspection$2,800
Closing costs$20,475
Down payment$212,000
Total cash to close$232,475
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.
$1,060,000
Neighbourhood market
The Baldwin market
How homes are selling here right now — sold data for July 2025.
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