Canada Closing Costs Calculator — Know Every Fee Before You Close
Closing costs in Canada typically add 1.5%–4% to the purchase price — and unlike the US, Canada's Land Transfer Tax can be $10,000–$40,000+ depending on your province and city. Get a full breakdown of every cost line so you arrive at closing with no surprises.
What you'll need
- Purchase price of the home
- Down payment amount (affects CMHC PST if under 20%)
- Province — LTT rates vary significantly
- Whether you are buying in the City of Toronto (second LTT layer)
- First-time buyer status (rebates available in ON and BC)
How it works
Enter purchase price and down payment
Down payment under 20% triggers CMHC insurance — the PST on the premium is a cash closing cost.
Select province and Toronto status
Land Transfer Tax varies from $0 (Alberta) to $40,000+ (Toronto). Toronto adds a municipal LTT on top of Ontario's.
See your full cost breakdown
Every line item — from LTT and legal fees to title insurance and property tax holdback — estimated low, mid, and high.
Closing Costs on a $750,000 Ontario Home (20% Down)
| Cost Item | Low | High | Required? |
|---|---|---|---|
| Land Transfer Tax (ON) | $11,475 | $11,475 | Yes |
| Legal / Notary Fees | $1,800 | $3,000 | Yes |
| Title Insurance | $200 | $500 | Yes |
| Home Inspection | $400 | $700 | Optional |
| Property Tax Holdback | $3,750 | $7,500 | Maybe |
| Moving Costs | $1,000 | $3,000 | Optional |
| Total Estimate | ~$18,600 | ~$26,200 | — |
FTHB rebate reduces LTT by up to $4,000 (provincial) + $4,475 (Toronto municipal). Verify with your lawyer.
Frequently asked questions
How much are closing costs in Canada?
Canadian closing costs typically range from 1.5% to 4% of the purchase price. On a $750,000 home, expect $11,000–$30,000. The biggest variable is Land Transfer Tax (LTT), which can be $10,000–$30,000+ in provinces like Ontario or British Columbia.
What is the Land Transfer Tax in Ontario?
Ontario charges a provincial LTT on a tiered system: 0.5% on the first $55,000; 1.0% up to $250,000; 1.5% up to $400,000; 2.0% up to $2,000,000. Toronto adds a second municipal LTT at the same rates. First-time buyers get a provincial rebate of up to $4,000 and a Toronto rebate of up to $4,475.
Is there Land Transfer Tax in Alberta?
No. Alberta does not have a Land Transfer Tax. Instead, Alberta charges a small Land Title Transfer Fee, which is usually $500–$1,000 and is not based on the purchase price.
Do I have to pay PST on CMHC mortgage insurance?
Yes, if your down payment is less than 20% and you live in Ontario (8% PST), Quebec (9% QST), or Manitoba (8% PST). This PST on the CMHC premium must be paid in cash at closing — it cannot be rolled into your mortgage like the premium itself.
What legal fees should I budget for buying a home in Canada?
Lawyer fees (or notary fees in Quebec) typically range from $1,200 to $3,000 depending on the province and complexity. Budget $1,800–$3,000 in Ontario, $1,500–$2,800 in BC, and $1,000–$2,000 for a Quebec notary.
Authoritative resources
See every closing cost broken down by line item.
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