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Cindie Carr-Harris
Sales Representative

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Purchasing a home involves one-time costs and monthly expenses.

The largest one-time cost is the down payment.  It usually represents between 5 – 25% of the total price of the property. 

In addition to the actual purchase price, there are a number of other expenses that you might be expected to pay for.  These are listed below:

Paid at Time of Application:

  • Mortgage Application and Appraisal Fee

Paid at Inspection:

  • Property Inspection Expense (optional)

Paid at Closing:

  • Legal Fees
  • Legal Disbursements
  • Property Survey (sometimes provided by seller)
  • Land Transfer Tax (and in Toronto, Municipal Tax)
  • Mortgage Interest Adjustment and Take Over Fee (if applicable)
  • Adjustments for Fuel, Taxes, Condo Maintenance Fees and Utilities, etc.
  • Mortgage Insurance (and Application Fee if applicable)

Paid at Closing and Ongoing:

  • Home and Property Insurance

Paid at Date of Move:

  • Moving Expenses


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