🇨🇦 Canada
Closing Costs Calculator — Canada
Canadian closing costs are dominated by provincial land transfer tax, which ranges from nothing in Alberta to over 2% in Ontario and BC. Get a province-specific estimate including CMHC, legal fees, and more.
1 Purchase Details
Used to calculate CMHC insurance if < 20% down.
Province affects land transfer tax estimate.
Estimated Closing Costs (CAD)
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Enter your home price above
Low Estimate
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High Estimate
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% of Home Price
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Itemised Cost Breakdown
Estimates — actual amounts vary by lawyer, lender and location
Cost Breakdown by Category
Canadian Closing Costs Explained
Canadian closing costs typically run 1.5%–4% of the purchase price. The single largest item is usually the provincial land transfer tax — which doesn't exist in Alberta or Saskatchewan but exceeds 2% on higher-priced homes in Ontario and British Columbia.
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Land Transfer Tax: Provincial tax on the title transfer. Ontario charges up to 2.5%, Alberta charges nothing.
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CMHC Insurance: Required when your down payment is less than 20%. The premium (2.8–4%) is added to your mortgage — only the PST on the premium is a cash closing cost in some provinces.
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Legal Fees: Lawyer (or notary in Quebec) fees typically range C$1,100–$1,800 depending on province and complexity.
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Title Insurance: ~C$300 for both lender and owner policies combined.
Toronto & Vancouver Buyers: Double Land Transfer Tax
Buyers in the City of Toronto pay both the provincial Ontario Land Transfer Tax and a Municipal Land Transfer Tax — effectively doubling this cost. On a C$900,000 home, this can add over C$30,000 in combined land transfer taxes.
First-time home buyers may qualify for a LTT rebate (up to C$4,000 provincial, C$4,475 municipal in Toronto). This calculator uses standard rates; check your eligibility with a real estate lawyer.
Use the Canada Mortgage Calculator to model your full monthly payment with Canadian amortization rules.
Frequently Asked Questions
How much are closing costs in Canada?
Budget 1.5–4% of the purchase price. The largest item is usually provincial land transfer tax, plus legal fees, title insurance, a home inspection, property tax and utility adjustments, and PST on CMHC premiums in Ontario, Quebec and Saskatchewan.
Which provinces have no land transfer tax?
Alberta and Saskatchewan do not charge a land transfer tax; buyers pay smaller land title registration fees instead. Toronto charges a municipal land transfer tax on top of Ontario's.
Are there first-time buyer rebates?
Ontario, British Columbia, PEI and Toronto offer first-time buyer land transfer tax refunds or exemptions, subject to price limits. Federally, the First Home Savings Account (FHSA) and the RRSP Home Buyers' Plan help fund the purchase.
Can closing costs be added to my mortgage?
Generally no. Lenders expect you to show about 1.5% of the price in cash for closing costs on top of your down payment. The CMHC premium is the exception: it is added to the mortgage, but the PST on it must be paid in cash.