Estimated Closing Costs Across Canada in 2025

Minimum down payments are calculated using the average home price data from the January 2025 CREA stats release, featuring a 5-year fixed rate of 4.04% and a 25-year amortization period. Land transfer tax estimates for Ontario and Quebec do not include Toronto and Montreal. Legal fees, title insurance, and miscellaneous expenses encompass a range of costs, including lawyer fees, home inspections, title insurance, and moving expenses. Land Transfer Tax estimates excludes any first-time buyer rebates.
Chart: ZoocasaSource: CREA, Surex, RatehubGet the dataCreated with Datawrapper