Email Me the Buyer Cost Checklist

Build a practical budget for the costs before your offer, at closing and after you receive the keys. Receive your free guide by email. Check Inbox, Promotions and Spam, and allow a few minutes for delivery.

Sold by Romona · Buyer planning

Your home-buying budget, added up.

Plan the cash you still need for your purchase and the monthly costs of owning your home. Enter your estimates in Canadian dollars; totals update as you type.

1. Down payment and purchase costs

Total planned down payment

Include the deposit in this amount. Use the down payment agreed with your lender.

Purchase deposit already paid

Enter only the deposit already paid toward this purchase. It is deducted below.

Down payment still needed$0.00

Purchase costs still payable

Enter unpaid costs only. Include applicable taxes in each estimate and count each expense once.

Ontario land transfer tax

Enter your lawyer’s estimated net amount after any confirmed refund.

Toronto land transfer tax, if applicable

For a property in the City of Toronto. Enter your confirmed net estimate; leave blank if not applicable.

Legal fees, title insurance and registration

Closing adjustments

For example, property taxes or condominium fees prepaid by the seller.

Other purchase costs still payable

Include unpaid inspections, appraisal or lender charges, and any property-specific taxes or costs your lawyer confirms.

Purchase costs still payable$0.00

2. Move-in funds and reserve

Moving, storage and setup

Immediate repairs and essentials

Emergency reserve after moving

Move-in funds + reserve$0.00Money still to set aside, separate from monthly costs.

3. Monthly ownership costs

Monthly mortgage payment

Use your lender’s estimate, including any financed mortgage insurance.

Monthly property tax

Enter only the portion not already included in your mortgage payment.

Monthly condominium or association fees

Monthly insurance, utilities and internet

Include only amounts not already covered by the other monthly entries.

Monthly maintenance reserve

Estimated monthly ownership budget$0.00This recurring total is separate from the cash needed below.

Estimated cash still needed$0.00Remaining down payment + unpaid purchase costs + move-in funds and reserve. Excludes the deposit already paid and your recurring monthly budget.

All amounts are CAD. Blank boxes count as zero, so incomplete entries understate the total. This planner adds your estimates; it does not calculate taxes, refunds, mortgage payments or loan eligibility. Confirm costs, credits and payment timing with your lawyer and lender.

Government of Canada buying guide ↗Ontario land transfer tax ↗Toronto land transfer tax calculator ↗

MEET ROMONA

Romona Okereke

REALTOR®

I’m Romona Okereke, a REALTOR® with eXp Realty, Brokerage, helping buyers, sellers, renters and investors across the Greater Toronto Area and Simcoe County.

My interest in real estate began with purchasing my first home and grew through investing in income-generating properties. With more than three decades of corporate finance experience, I bring careful analysis, attention to detail and a practical understanding of the numbers behind a move.

I hold the Real Estate Negotiation Expert (RENE®) and RESA® Certified Staging Advocate™ certifications. These complement my approach to helping clients prepare their homes, evaluate their options and negotiate with clear priorities.

Whether you’re buying your first home, preparing to sell, finding a rental or relocating from the GTA to Simcoe County, I take time to understand your goals and explain each step. You can expect honest advice, clear communication and personal attention.

Explore available properties here, then let’s talk about your next move.

416-342-3870
romona.okereke@exprealty.com