CostHonest
Free instant estimates · Ontario market ranges

How much cash do you need on closing day?

Set the purchase price, down payment and location, flag a first-time buyer or a new build, and add the real-world extras — inspection, movers, appraisal, a condo status certificate. The calculator stacks land transfer tax, legal fees at $1,800–2,600, title insurance and tax adjustments: on a $950,000 Toronto purchase with 20% down you need $35,050–39,100 beyond the down payment, about $225,050–229,100 in the bank.

Common questions

What closing costs come on top of the down payment?

On the $950,000 Toronto default: $30,950 of land transfer tax, legal fees and disbursements of $1,800–2,600, title insurance at $350–550, and property tax and utility adjustments of $600–1,600 — $35,050–39,100 before optional extras like the inspection and movers.

How much are legal fees on a home purchase?

The calculator carries lawyer's fees and disbursements at $1,800–2,600 and title insurance at $350–550. Buying a condo adds a status certificate review at $100–120 on top.

What else lands in the same week?

A home inspection at $450–800 before you firm up, an appraisal at $300–500 if the lender wants one, movers at $900–2,600, and utility hookups and lock changes at $150–400. Small beside the tax bill, but they all come due together.

Live demo — make it yours

Every calculator runs from one config: your name, your colours, your prices. Brand it below, open any tool from the catalogue, and finish a quote — the lead lands in the table here the moment the estimate unlocks. On your own site the widget works exactly like this.

Brand it — every surface updates live
Change these, then open any tool from the catalogue — it is already wearing your name. Set it up for real and this exact widget goes on your site.
Leads captured this session
CapturedNameContactToolJob value
No leads yet — run any tool in the catalogue and finish the quote.
What the portfolio is worth
Tenants signedAvg. rentMonthlyAnnual
Local trades don't compete across cities, so the same tool rents to one landscaper in Etobicoke, one in Scarborough, one in Ottawa. Rent figures are your asking price, not a market survey — set them where a single won job pays for the year.

Set up your quote widget

All 32 calculators — free, no signup

Home services

What does lawn care cost per visit — and per season? How much does a fence cost installed? What will your new deck really cost? How much does interior painting cost per room? What does a roof replacement cost? Driveway costs, from a sealcoat to full replacement What does an epoxy garage floor cost? What does junk removal cost? How much will your move cost? What should a seasonal snow contract cost? What does window cleaning cost? What does eavestrough cleaning cost? What should you budget for a kitchen or bath reno? What size furnace do you need — and what will it cost? What does duct and carpet cleaning cost together?

Events & personal

How much food — and how much money — does your event need? Where should your wedding budget actually go? What will entertainment cost for your event? What does house cleaning cost per visit? What does personal training really cost per session? How much will your tattoo cost? What does pet boarding cost?

B2B & trades

Instant print pricing with honest quantity breaks What does a run of printed shirts cost? What will your parts cost to print or cut? What size dumpster does your job need? What size storage unit do you actually need? What should this dish sell for? Markup is not margin — price the job properly

Ontario money tools

What land transfer tax will you owe on closing? How much cash do you need on closing day? Would the HST quick method save you money?