A home inspection is not technically a closing cost since it happens before the offer firms up, but it is a real pre-purchase expense to budget alongside closing, typically $400 to $600 depending on the home's size and age.
Mortgage default insurance is the largest variable, since it applies only when the down payment is under 20 percent and is calculated as a percentage of the mortgage that falls as the down payment rises. Saskatchewan's provincial sales tax on that premium is paid in cash at possession rather than rolled into the loan.
Property tax adjustments and any condominium fee proration round out the file your lawyer finalizes before possession day. Get your hand-reviewed valuation from Joel Dyck.