Costs of a Move

Avoid Surprise Expenses

Prior to your Move:
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. Here are the normal expenses listed below:

EXPENSE PAID	Sequence
Mortgage Application and Appraisal Fee	At time of application
Appraisal Fee	At inspection
Property Inspection (Highly Recommended)	Closing
Legal Fees	Closing
Legal Disbursements	Closing
Deed and/or mortgage registration	Closing
Property Survey (sometimes provided by seller)	Closing
Land Transfer, Deed Tax or Property Purchase Tax (in Quebec within 3 months following signing)	Closing
Mortgage Interest Adjustment and Take Over Fee (if applicable)	Closing
Adjustments for Fuel, Taxes, etc.	Closing
Mortgage Insurance (and application fee if applicable)	Closing
Home and Property Insurance	Closing
Connection charges for utilities such as gas, water and electricity	Date of move
Moving Expenses	Date of move