Tools › Closing costs & rebates
Land transfer tax
Buy inside the City of Toronto and you pay the tax twice — once to the province and once to the city, with luxury tiers above $2M. First-time buyers get up to $4,000 back from Ontario and $4,475 from Toronto.
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You get this page as a PDF. We get your figures, so if you want to talk, the conversation starts from your actual situation.
Estimates only, for information. Not mortgage, tax or legal advice. Rates, rules and rebates change; confirm every figure with your lender, lawyer and the CRA before you rely on it.
Related tools
Closing costs and cash to close
Every line on the statement of adjustments, including the ones a new build adds that a resale never has.
HST on a new build
The price under the sticker, both rebates, and exactly what a first-time buyer saves — with the 2026 rules.
Property tax across the GTA
The same home, taxed in every municipality. The gap is bigger than most people expect.