1. Land Transfer Tax – Ontario & Toronto: Refer to link on the right.
2. Legal Fees & Disbursements: Legal fees vary according to the lawyer. Make sure you ask what the fee includes. There will be other costs which the lawyer will have to pay on your behalf, i.e. registration fees, photocopies, register transfer, register mortgage, building & zoning, sheriff’s certificate, tax certificate, utility certificates, etc.
3. Statement of Adjustments: Buyer and Seller are each responsible for their share of taxes, fuel & utilities as of the date of completion of the agreement of purchase and sale.
4. Title Insurance: Title insurance is a contract of insurance between the insured and the title insurance company. In return for payment of a one-time premium, the title insurance company agrees to defend the insured from future losses arising because of defects or events that occurred prior to the time the policy was issued. Premiums for residential purchases are as follows:
Less than $200,000 = $250
$200,001 to $500,000 = $299
$500,001 and over = $299 plus $1.00 per $1,000 over $500,000

Other costs associated with buying include, but are not limited to: mortgage appraisal (approx. $265), movers, home insurance, renovations/improvements, etc.
NOTE: All fees are subject to applicable taxes (PST or GST). The combined HST of 13% will be in effect as of July 1, 2010.