One-time expenses
Before moving in
Down payment
Closing costs (budget for 1.5% to 4% of the purchase price of the
home):
Legal fees (or notary in Quebec)
Land registration fees (also called land transfer taxes)
Township/municipal levies
Mortgage default insurance premium (if not included in
payments)
PST on mortgage default insurance premium
Estimated amount
Buying Your First Home
Appraisal fee
Home inspection fee
Title insurance fee
Property tax and utility adjustments
Interest adjustments
Survey or Certificate of Location
Water and septic tank tests (if applicable)
Deposits to builders (if applicable)
Moving expenses/storage expenses
Other expenses: ________________________
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