Cash-to-Close Calculator
Add up the upfront cash you'll need to close — down payment, land transfer tax, legal fees and more.
Total cash to close
$175,175
Estimated upfront cash required
Down payment$160,000
Land transfer tax (Ontario)$12,475
Legal fees$1,800
Title insurance$400
Home inspection$500
Total cash to close$175,175
Legal, title and inspection figures are typical estimates — adjust to your quotes. Mortgage default insurance is included where a down payment is under 20%: the premium is added to the mortgage, and only the Ontario tax on it is cash. Insurance rules current as of August 2026.
Estimates only. Not financial, legal, tax, or mortgage advice. Confirm with your lawyer, lender, or mortgage professional.
Turn these numbers into a plan
Have a DistrictIQ agent walk you through what this means for your budget and your next move.