Talk to your lawyer well in advance of closing in order to be prepared for all possible costs and fees. On an urban residential transaction, the closing costs/fees/disbursements could include any or all of the following: real estate fee or commission land transfer tax title insurance mortgage financing appraisal fees/insurance survey fee legal fees/disbursements municipal tax adjustments, fuel, house insurance, new home warranty fee, applicable taxes (GST or PST) Note: don't be surprised at closing time. Ask your lawyer long before.