The Ultimate Interactive Closing Cost Ledger

See exactly how much cash you need on closing day. Move the sliders, flip the switches, and watch every line update — down payment, land transfer tax, CMHC, legal fees and your first-time buyer refunds.

Your purchase

Purchase price$800,000

Down payment5%

Toronto propertyAdds the City of Toronto municipal land transfer tax I'm a first-time buyerApplies the Ontario & Toronto LTT refunds and new-home rebates New constructionAdds 13% HST, less the new-home rebates Energy-efficient homeCMHC Eco Plus: 25% premium refund (insured mortgages)

Legal fees (est.)

Adjustments (est.)

Tax, utility & condo-fee prepaids

Total cash needed to close

Call Cheryl: (905) 442-4062

The full ledger

Item	Amount	How it's figured

Estimates for information only, not legal, tax or financial advice. Rates and rebates change, and your lawyer's final statement of adjustments will differ. Legal and adjustment figures are placeholders you can edit. New-home HST and GST rebates have eligibility rules, and many builders include HST in the price, so confirm with your builder and lawyer. Toronto's land transfer tax uses the residential schedule up to $3M+. Prepared by the Cheryl Devenney Real Estate Team, Right At Home Realty.