Mortgage Application At time of application. Appraisal Fee At inspection. Property Inspection Closing Legal Fees Closing Legal Disbursements Closing Deed and/or Mortgage Registration Closing Property Survey Sometimes this is provided by the seller. If not, you'll pay for it at closing. Land Transfer, Deed Tax or Property Purchase Tax* Closing *In Quebec, withing 3 months following signing. Mortgage Interest Adjustment and Take Over Fee If applicable, at closing. Adjustments for Fuel, Taxes etc. Closing Mortgage Insurance and Application Fee* Closing *If applicable. Home and Property Insurance Closing and on-going. Connection Charges for Utilities (gas, water, electricity) Date of move. Moving Expenses Date of move. Other costs may include landscaping, redecorating, furnishings, appliances and repairs. Typical monthly costs incurred with home ownership are mortgage payments, maintenance, insurance, condo fees, property taxes and utilities.