Closing-cost tools
Ontario’s provincial tax plus the City of Toronto municipal tax (MLTT) — the one most online calculators forget. Built for buyers across Cliffcrest, the Bluffs, Toronto and Durham Region.
Toronto is the only municipality in Ontario that charges a second, municipal land transfer tax on top of the provincial one — so the same home costs more to close inside the city than in Durham.
Estimates only, based on Ontario and City of Toronto rates current as of June 2026 for resale homes with one or two single-family residences. Land transfer tax is one of several closing costs (legal fees, title insurance, adjustments). Rebate amounts assume full first-time-buyer eligibility. Confirm final figures with your real estate lawyer before closing.
Yes — and twice. Scarborough, Cliffcrest, Cliffside and the Bluffs are all inside the City of Toronto, so you pay both the Ontario provincial land transfer tax and the Toronto municipal land transfer tax (MLTT). On a typical Bluffs-area home that roughly doubles the tax compared with an identical price in Durham.
Durham Region is outside Toronto, so only the provincial tax applies — no municipal MLTT. That difference can mean several thousand dollars less at closing on the same purchase price, which is worth weighing when you’re comparing a move east.
Up to $4,000 off the provincial tax everywhere in Ontario, plus up to $4,475 off the Toronto municipal tax if you buy inside the city — a combined maximum of $8,475. You generally need to have never owned a home anywhere, be at least 18, and move in within nine months. Your lawyer applies the rebate at closing.
In full, in cash, on closing day. It can’t be rolled into your mortgage, so it needs to be sitting in your closing budget from the start. That’s exactly why it’s worth running the number early.
Scott William Duvall, Salesperson · International Realty Firm Inc., Brokerage
This tool is for general information and is not legal, tax or financial advice.
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