There are several costs to be aware of when you are planning to buy a home. The biggest factor is your down payment ( 5% minimum). After that you have legal fees (typically around $900) and adjustments (cost varies), property insurance (depends on the property), the cost of a home inspection if applicable ($420), the cost of a strata document review if applicable ($400), appraisal fees if your bank or mortgage company asks for one, HST if your buying a new home (depends on the price and if there is a HST rebate), potential title insurance (discuss with your lawyer). And in BC we have a Property Transfer Tax. It is calculated at 1% on the first hundred thousand and 2% on the balance. This is a general list and costs can vary. Please contact us for more clarification for your personal circumstances.