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Buy Lower/Sell Higher www.MoreForMyHouse.com Calculate your buying costs

Bill Rinehart, Realtor®/Salesperson HomeLife/Kempenfelt-Kelly Realty Ltd, Brokerage  Local 705.436.5111 Toll-free 1.877.436.5111

This is one part of the No-Mystery Home Buyer's System that I use to guide buyers through the process of buying their next home. To print this page for your personal use, first set your text size to 'smallest'.

Total Available Cash	.	$
Subtract the following costs where applicable:	.	.
Condominium/Estoppel certificate fee	$....100	$
Home Inspection	$....325	$
Phase I Environmental Site Assessment - recreational, rural and farm	$ 2,000	$
Legal fees and disbursements including mortgage setup	$.1,200	$
Title Insurance	$....350	$
Mortgage - Bank application fee	$....100	$
Mortgage - Appraisal fee	$....300	$
Existing mortgage paydown penalty - (consult with your lender)	$	$
Service hook-up fees and security deposits: PUC $10/ $400 SD Cable TV $25/ $40 SD Nat Gas $25 / no SD Telephone $ 55 / no SD	$	$
New Construction: Water meter fee	$....150	$
New Construction: Tarion/Ontario New Home Warranty Program application fee $100,000-$150,000 $550 $350,000-$400,000 $800 $150,000-$200,000 $600 $400,000-$450,000 $850 $200,000-$250,000 $650 $450,000-$500,000 $900 $250,000-$300,000 $700 $500,000+ $950 $300,000-$350,000 $750 . .	$	$
Home Services Warranty	$....350	$
Property Insurance	$	$
Decorating/Small repairs	$	$
Moving expenses, Local $180 per room	$	$
Canada Post mail redirection for 1 year	$ 65	$
CMHC mortgage insurance fees can be paid at closing but are usually lumped into the mortgage: House price 5% down 20% down $ 100,000 $ 2,612 $ 950 $ 150,000 $ 3,919 $ 1,200 $ 200,000 $ 5,225 $ 1,600 $ 250,000 $ 6,531 $ 2,000 $ 300,000 $ 7,838 $ 2,400	$	$
The Land Transfer Tax and the GST on CMHC fees are paid at purchase and cannot be deferred: 5% down Property Value LTT + GST on CMHC $ 5,000 $ 100,000 $ 725 + $ 193 $ 7,500 $ 150,000 $ 1,225 + $ 285 $ 10,000 $ 200,000 $ 1,725 + $ 376 $ 12,500 $ 250,000 $ 2,225 + $ 457 $ 15,000 $ 300,000 $ 2,975 + $ 559 n/a $ 350,000 $ 3,725 + n/a n/a $ 400,000 $ 4,475 + n/a n/a $ 450,000 $ 5,475 + n/a n/a $ 500,000 $ 6,475 + n/a Mortgage Intelligence Land Transfer Tax Calculator	$	$
Your available cash for a downpayment:	.	$________
© WRinehart2006-2008 All rights reserved.	.	.

How to Sell a House for More	What's Your House Worth?
Selling a Country Cottage	Selling an Older House
Nine Costs of Selling Privately	Discount Commissions

Bill Rinehart

705 436-5111

Toll Free 1-877-436-5111