Closing costs are part of the purchase agreement between the buyer and the seller. The buyer typically pays the majority of the closing costs, although the seller may also be required to pay some fees.
To entice you to secure a house loan with them, lenders may occasionally cover a few of your closing costs. Under certain circumstances, some lenders will cover your legal fees and disbursements, and if your property is CMHC-insured, appraisal fees may not be charged.