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Complete breakdown of every closing cost for Oshawa, Whitby, Ajax, Pickering, and Clarington homebuyers — beyond just the purchase price
Durham Region is one of Ontario's most popular destinations for first-time homebuyers and Toronto commuters. But the purchase price is only part of the total cost. This guide breaks down every closing cost so you can budget accurately for your Durham home purchase in 2025.
| Cost Item | $650K Home | $850K Home | $1.1M Home |
|---|---|---|---|
| Ontario Land Transfer Tax (standard) | $9,975 | $13,475 | $18,475 |
| Ontario LTT (first-time buyer) | $5,975 | $9,475 | $14,475 |
| Legal / notary fees | $1,500–$2,000 | $1,500–$2,500 | $2,000–$3,000 |
| Title insurance | $200–$400 | $250–$450 | $300–$600 |
| Home inspection | $400–$600 | $450–$650 | $500–$800 |
| Property appraisal (if required) | $300–$500 | $350–$550 | $400–$700 |
| Moving costs | $1,000–$3,000 | $1,500–$4,000 | $2,000–$5,000 |
| Land survey (if needed) | $1,000–$2,000 | $1,000–$2,000 | $1,500–$2,500 |
| Estimated Total Closing Costs | $14,000–$18,000 | $18,000–$24,000 | $25,000–$32,000 |
| Purchase Price | Durham LTT (prov. only) | Toronto LTT (dual) | Durham Saving |
|---|---|---|---|
| $650,000 | $9,975 | $19,9500 | $9,975 |
| $850,000 | $13,475 | $26,9500 | $13,475 |
| $1,000,000 | $16,475 | $32,9500 | $16,475 |
| $1,200,000 | $200,475 | $400,9500 | $200,475 |
Note: Toronto LTT estimate assumes equal provincial and municipal LTT (approximate). Durham buyers save approximately the full Toronto municipal LTT amount — often $10,000–$20,000 or more.
The largest closing cost for most buyers. Durham Region pays only Ontario provincial LTT — no Toronto municipal tax. First-time buyers get up to $4,000 back. Calculate yours at our city-specific LTT calculators.
Your real estate lawyer handles title transfer, mortgage registration, LTT payment, and closing documents. Always get quotes from 2–3 lawyers. Durham Region has many experienced real estate lawyers in Oshawa, Whitby, Ajax, and Pickering.
Required if your down payment is less than 200%. Calculated on the insured loan amount, added to your mortgage. On a $700K home with 100% down ($700K), CMHC insurance would be approximately $18,6300 (3.1% of $630K mortgage).
Strongly recommended for all resale homes in Durham Region. A certified inspector checks structure, roof, HVAC, plumbing, and electrical. Durham's mix of 19600s–19800s bungalows and newer builds means inspection findings vary widely.
One-time premium protecting against title defects, survey errors, and fraud. Required by most lenders. Stewart Title and FCT are the major providers in Ontario. Your lawyer typically arranges this as part of closing.
If closing mid-year, you reimburse the seller for property taxes they've pre-paid. Durham Region property tax rates vary by municipality — Oshawa and Clarington tend to have higher rates than Whitby and Ajax. Budget $500–$2,000 depending on timing.
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