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 5.3% down (5% on the first $500K, 10% above).
Legal fees
$
Title insurance
$
Home inspection
$
Ontario land transfer tax$7,055
Legal · title · inspection$2,800
Closing costs$9,855
Down payment$105,800
Total cash to close$115,655
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.
$529,000
Neighbourhood market
The North Richvale market
How homes are selling here right now — sold data for August 2026.
Buyer's marketAll home types in North Richvale · 45 sales over 3 months
Buyer'sBalancedSeller's
Homes in North Richvale are taking around 41 days to sell, and going for about 97.1% of asking. There is usually room to negotiate.
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