What closing costs should Sudbury home buyers expect?
Most buyers should budget for legal fees, land transfer tax, inspections, insurance, and moving expenses. Sudbury realtor Tanya Vanden Berg explains what each cost covers so buyers know exactly what to plan for.
Typical legal fees in Sudbury range from $1,000–$1,500. Your lawyer reviews contracts, performs title searches, handles the closing process, and ensures your purchase is legally protected.
Land transfer tax applies to every Ontario home purchase, with reductions for first-time buyers. Since Sudbury prices are lower than many Ontario cities, your LTT is often more manageable. Tanya helps buyers estimate this based on their price range.
Next are inspection costs, usually $400–$600. A home inspection is essential and helps identify structural, electrical, plumbing, or roofing issues — especially in older Sudbury neighbourhoods like Minnow Lake, Donovan, or areas with aging housing stock.
Home insurance must be in place before closing. Costs vary depending on location, age of the home, heating type, and updates like electrical or roofing.
Buyers may also need to budget for:
Appraisal fees (if required by the lender)
CMHC mortgage insurance (if down payment is under 20%)
Utility connections
Moving expenses
Closing costs typically add up to 1.5–4% of the purchase price. Tanya walks buyers through each cost ahead of time so there are no surprises on closing day.
