Estimate the total closing costs for your pre-construction purchase. Includes land transfer tax, HST on new builds, legal fees, and available rebates for first-time buyers.
Enter your purchase price, select your buyer type, and click estimate to see a full breakdown of closing costs.
This calculator provides estimates for informational purposes only and does not constitute financial or legal advice. Actual closing costs vary based on lender, municipality, and purchase agreement. Always confirm HST treatment and rebate eligibility with your builder and lawyer before signing.
Disclaimer: The estimates and calculations shown above are for illustrative purposes only and should not be relied upon as financial advice. Actual mortgage rates, terms, and eligibility depend on your personal financial situation, credit history, and current market conditions. Please consult a licensed mortgage broker, financial advisor, or your bank to determine your actual affordability and costs before making any purchasing decisions.
Pre-construction closing costs are different from resale. HST, new build levies, and development charges can add up. Here's what every buyer should understand.
Transfer tax is calculated from configured jurisdiction policy and can vary by property location:
Pre-construction homes may include jurisdiction-specific sales tax, with rebates depending on price, occupancy, and rule dates:
First-time home buyers may save on transfer taxes when configured jurisdiction rules allow it:
Every pre-construction project has unique cost structures. Our team can review the specific agreement and give you a detailed estimate of all costs — including development charges, utility connections, and adjustment fees.
Get in touch today for early access to upcoming projects. No obligation, no pressure — just expert guidance.