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In Canada, closing costs are in addition to the principal payment on a home. These can include things like legal fees or property taxes

Understanding the different costs. They can include property assessment and home inspection fees. And legal costs, title insurance, land transfer tax, and more. They may be paid to either the seller or a lawyer or the municipal government.

Budgeting. They typically range from 2 to 5 percent of your home’s purchase price.

Negotiating. You may be able to negotiate some closing costs with the seller in a buyer’s market.

Reducing closing costs. Not all costs are fixed. You can shop around. Ask legal firms or home inspection companies for quotes during your search.

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