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$4,475
Legal · title · inspection$2,800
Closing costs$7,275
Down payment$80,000
Total cash to close$87,275
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 Caledon East market
How homes are selling here right now — sold data for July 2026.