Home Purchase Cost Estimator

When buying a home most Canadians only think about the homes selling price. In addition to the home’s purchase price, buying a home can entail dozens of additional costs and expenses. Expenses you should understand before you sign on the dotted line! Use this calculator to estimate the total cost of your home purchase.

Cost Of Home

Purchase Price
Add: GST/HST (if applicable)
Property Transfer Tax (if applicable)
Total Cost Of Home

Up-Front Costs

Appraisal Fee (if applicable)
Deposit (paid when you sign the Offer to Purchase) Down Payment
Estoppel Certificate Fee (for condominium/strata units)
Home Inspection Fee
Land Registration Fee
Legal Fees & Disbursements
Mortgage Broker’s Fee (if applicable)
Mortgage Loan Insurance Premium (can be included in your mortgage)
Interest Adjustment Amount (if applicable)
Prepaid Property Taxes & Utility Bill Adjustments
Property Insurance
Survey of Certificate of Location Costs
Title Insurance
Miscellaneous Costs
Total Up-Front Costs

Additional Costs

Mechanical Upgrades (furnace, air conditioning, dehumidifier, etc.)
Window Treatments
Flooring (carpeting, hardwood, etc.)
Moving Costs
Service Hook-Up Fees (TV, cable, Internet, telephone, electricity, etc.)
Decorating Costs
Condominium/Strata Fees
Renovation & Repair Costs
Gardening Equipment
Snow-Clearing Equipment
Hand Tools
Total Additional Costs
Total Cost of Home Purchase