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  <!-- Homepage -->
  <url>
    <loc>https://closingcostscalculator.ca/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- Calculator -->
  <url>
    <loc>https://closingcostscalculator.ca/calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Closing Costs Hub -->
  <url>
    <loc>https://closingcostscalculator.ca/closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- Transaction Type Pages -->
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    <loc>https://closingcostscalculator.ca/buyer-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/seller-closing-costs</loc>
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  <url>
    <loc>https://closingcostscalculator.ca/refinance-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Cost Detail Pages (10) -->
  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/legal-fees</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/land-title-fees</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/mortgage-registration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/title-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/property-tax-adjustments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/home-inspection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/appraisal-fees</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/condo-document-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/real-estate-commissions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/closing-costs/moving-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Province Pages (13) -->
  <url>
    <loc>https://closingcostscalculator.ca/ontario-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/bc-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/alberta-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/quebec-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/manitoba-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/saskatchewan-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/nova-scotia-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/new-brunswick-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/newfoundland-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/pei-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://closingcostscalculator.ca/northwest-territories-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/yukon-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/nunavut-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Resources Hub -->
  <url>
    <loc>https://closingcostscalculator.ca/resources</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Resource Pages (7) -->
  <url>
    <loc>https://closingcostscalculator.ca/resources/first-time-buyer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/resources/condo-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/resources/pre-construction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/resources/investment-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/resources/closing-timeline</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/resources/adjustments-explained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/resources/title-insurance-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Deep Educational Pages -->
  <url>
    <loc>https://closingcostscalculator.ca/cmhc-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/deposit-vs-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/land-transfer-tax-by-province</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/glossary</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/faq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Tools -->
  <url>
    <loc>https://closingcostscalculator.ca/get-started</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://closingcostscalculator.ca/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://closingcostscalculator.ca/terms-of-service</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/privacy-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/disclaimer</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://closingcostscalculator.ca/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
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