What Will Your First Home Really Cost?

Buying your first home in Toronto or anywhere in Ontario? See your closing costs, first-time buyer rebates and monthly payment. Adjust any estimate to fit your situation.

The home

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Toronto buyers pay both provincial and municipal land transfer tax.
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%

Closing cost estimates

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Condos only. Capped at $100 in Ontario. Enter 0 for a house.

Mortgage & monthly costs

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Estimated closing costs $0
Estimated monthly cost $0
Talk to Veronika about your purchase

Rates and rules current as of November 2026. Estimates only, for general information. Land transfer tax uses current Ontario and City of Toronto rates and first-time buyer rebates; mortgage default insurance uses CMHC premiums. Your actual costs will depend on your lender, lawyer and property. Not financial or legal advice.