The insurance premium tax is a Saskatchewan-specific cost that catches some buyers off guard, since it's charged on the insurance premium itself rather than on the purchase price, and it's due at closing rather than added to the mortgage.
Legal fees cover title transfer through Information Services Corporation, a title search, and preparing the mortgage documents, and the range depends on the complexity of the file and whether anything unusual turns up, like an easement or an unregistered agreement with a neighbour.
Minimum down payment in Canada is 5 percent up to $500,000 and 10 percent on any amount above that, which is the other number that determines whether mortgage insurance, and its Saskatchewan PST, applies to your purchase at all. Get your hand-reviewed valuation from Joel Dyck.