The closing costs nobody warns you about

Land transfer tax, legal fees, and the rest hit all at once on closing day, in cash, separate from your down payment. Here's what to set aside for a purchase in Milton or anywhere in Halton.

Purchase price $

First-time buyer?

First-time buyers in Ontario get up to $4,000 of land transfer tax refunded.

Down payment %

$170,000 down

Fine-tune the estimates

Legal fees

Title insurance

Home inspection

Appraisal

Buying a condo (adds a status certificate fee)

Cash needed at closing

On top of your down payment

Total cash to close (incl. down payment)$0

Plan your purchase → Buying in Milton soon? Let's map out your numbers.

For illustration only. Estimates based on current Ontario land transfer tax brackets and the first-time buyer rebate (up to $4,000). Legal, title, inspection, and appraisal figures are typical ranges you can edit; your actual costs vary. CMHC premium PST (8% in Ontario) applies only when your down payment is under 20% and is payable in cash at closing. This tool assumes a purchase outside the City of Toronto, which is the case in Milton and across Halton, so no municipal land transfer tax applies. This is not legal, tax, or financial advice. Your real estate lawyer calculates the final amounts on closing. Zak Abdelnour, Broker, Saigal Realty Inc., Brokerage.