Assuming you are a first time buyer in Ontario, and the purchase price is say $800,000 closing costs are typically: 1) Legal fees, disbursements and title insurance                $2,500 to $3,000 2) Land Transfer Tax LTT (in Toronto)                                  $16,475      LTT outside Toronto is only $8,475 3) Interest Rate Adjustment                                                   $0 to $3,000 (depends on lender and your closing date) 4) Moving Expenses – up to you                                            $1,000 and upwards Those are the main costs required to close the purchase of a home with no CMHC insurance. If the DP is less than 20% you also have to pay the 8% PST on the insurance premium (roughly $1,500) If you choose to buy from a builder (or assignment of a pre construction property) there would be more closing costs for sure.