The good news is that as a buyer, you are not obligated to pay your real estate sales representative a fee. Rather, the seller is required to cover the associated costs of selling their property. However, some costs you may need to consider are land transfer tax, property inspection, legal fees and disbursements, closing adjustments, home, and property insurance, moving expenses, and connection charges for gas, electrical, and water. In addition to these costs, you may need to budget for any repairs that may be needed upon obtaining possession of the property which can be agreed upon before sale.