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Canada Closing Costs Calculator
Closing costs in Canada typically add 1.5%–4% to the purchase price — and unlike the US, Canada's Land Transfer Tax can be C$10,000–C$40,000+ depending on your province and city. Get a full breakdown of every cost line so you arrive at closing with no surprises.
Educational calculators — always consult a licensed professional before making financial decisions.
Your purchase
The agreed sale price. In Ontario, BC and Quebec it sets a marginal transfer tax; in Alberta it sets only a Land Titles registration fee.
Enter dollars or a percentage. Under 20% down CMHC insurance is mandatory; in Ontario and Quebec the PST on its premium is cash you bring to closing.
C$150,000 of home price
The four provinces here tax a purchase four different ways. Inside the City of Toronto, a municipal land transfer tax stacks on top of Ontario's.
This decides which transfer-tax regime applies — the four provinces here work in four different ways.
Provincial LTT, 0.5%–2.5%. Inside the City of Toronto a second municipal LTT stacks on top of it.
Toronto's municipal LTT STACKS ON TOP of Ontario's provincial LTT — two separate taxes, shown as two separate lines.
No Toronto municipal LTT.
First-time buyers get land transfer tax relief in Ontario (plus a separate Toronto rebate) and BC. A condominium adds your lawyer's status certificate review.
First-time buyers qualify for Land Transfer Tax rebates in Ontario (including a separate Toronto one) and BC.
Standard LTT rates apply.
Condo buyers typically need a lawyer to review the status certificate — an extra cost.
No status certificate needed.
Estimated Closing Costs (CAD)
C$22,700
Range: C$18,625 – C$26,775 — all amounts in Canadian dollars (CAD)
Cost Breakdown
| Item | Low | High | Required? |
|---|---|---|---|
Ontario Land Transfer Tax — provincial | C$11,475 | — | Yes |
Legal Fees — Real estate lawyer Professional fee is an ESTIMATE — no Canadian province, law society or land registry publishes a conveyancing tariff. The registration component is exact.
| C$1,800 | C$3,000 | Yes |
Home Inspection Strongly recommended on resale homes | C$400 | C$700 | Optional |
Title Insurance Lender usually requires it; protects against title defects | C$200 | C$500 | Yes |
Property Tax Holdback Lender may collect 2–6 months upfront into a tax account | C$3,750 | C$7,500 | Optional |
Land Survey / Title Search May be required if no recent survey exists (rural/older properties) | C$0 | C$600 | Optional |
Moving Costs Estimate — varies by distance and volume | C$1,000 | C$3,000 | Optional |
| Total (mid estimate) | C$18,625 | C$26,775 |
Who handles your conveyancing
Outside Quebec a real estate lawyer handles the conveyance, and retaining one is your choice rather than a statutory form requirement.
The lawyer acts for you: they search title, prepare and register the transfer and the charge, hold and release the funds through their trust account, and represent your interest against the seller's. Fees are quoted per file and are negotiable — no province, law society or land registry publishes a tariff for residential conveyancing.
- Real estate lawyer — professional fee
- C$1,630 – C$2,830 CAD
- Estimate, and labelled as one. No Canadian province, law society or notarial chamber publishes a tariff for residential conveyancing, so there is no primary source to cite for this band and none is invented here. CMHC puts total closing costs at 1.5%–4% of the purchase price and names lawyer fees among them without pricing them (CMHC, Closing and Moving Day, retrieved 2026-09-07). Get written quotes — this is the part of the line you can shop.
- Land registration — government tariff
- C$170 CAD
- C$85.00 per electronically registered instrument (C$71.55 statutory + C$11.90 ELRSA + C$1.55 HST) — one for the transfer, one for the charge.
- Source: Government of Ontario, Land Services Fee Changes, Schedule I, fees effective 2025-11-03 — "registration or deposit of an instrument or plan in electronic format", C$71.55 statutory + C$11.90 ELRSA + C$1.55 HST = C$85.00. (Ontario publishes these figures with a bare dollar sign; they are Canadian dollars and are relabelled C$ here so nothing on a /ca/ page reads as USD.) https://www.ontario.ca/land-registration/2025-07-land-services-fee-changes-effective-november-3-2025 Checked 2026-09-07.
CMHC: With 20% or more down, CMHC insurance is not required. No premium is added to your mortgage.
Buying in Ontario?
This calculator prices every province from one model. The Ontario closing costs calculator models what a national number cannot: Toronto's municipal land transfer tax on its current band table (effective 1 April 2026, running to 8.60% at the top), both first-time buyer rebates, and the MLTT administration fee.
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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)
What you'll get
- Land Transfer Tax — Provincial and municipal, where applicable
- Legal or notary fees — Split into the professional fee you can shop and the exact government land-registration tariff you cannot — with Quebec priced as a notary file, not a lawyer's
- Total cash to close — Every line item summed
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 C$0 (Alberta) to C$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.
Every figure on this page is in Canadian dollars (CAD).
Closing Costs on a C$750,000 Ontario Home (20% Down)
| Cost Item | Low | High | Required? |
|---|---|---|---|
| Land Transfer Tax (ON) | C$11,475 | C$11,475 | Yes |
| Legal / Notary Fees | C$1,800 | C$3,000 | Yes |
| Title Insurance | C$200 | C$500 | Yes |
| Home Inspection | C$400 | C$700 | Optional |
| Property Tax Holdback | C$3,750 | C$7,500 | Maybe |
| Moving Costs | C$1,000 | C$3,000 | Optional |
| Total Estimate | ~C$18,600 | ~C$26,200 | — |
FTHB rebate reduces LTT by up to C$4,000 (provincial) + C$4,475 (Toronto municipal). Verify with your lawyer.
How Land Transfer Tax actually differs by province
"1.5%–4% of the purchase price" is an average across ten different provincial rules. The three provinces below carry the most traffic on this calculator and the widest spread between them — see British Columbia's, Ontario's, and Alberta's own pages for the full bracket math, exemptions, and worked examples.
| Province | Land Transfer Tax |
|---|---|
| British Columbia | 1% to C$200K, 2% to C$2M, 3% to C$3M, 5% above C$3M |
| Ontario | 0.5%–2.0% bracketed to C$2M, then 2.5% above C$2M — the 2.5% top band applies only to land with one or two single-family residences, other property stays at 2.0% above C$400K; Toronto adds a second municipal tax on top, identical to the provincial table only up to C$3M — above C$3M the City charges 4.40%, 5.45%, 6.50%, 7.55% and 8.60% across five bands to over C$20M (effective 2026-04-01), so the municipal tax becomes the larger of the two |
| Alberta | No land transfer tax — two Land Titles registration fees instead: Transfer of Land (C$50 + C$5 per C$5,000 of purchase price) and a separate Mortgage registration (C$50 + C$5 per C$5,000 of mortgage principal, so a larger down payment lowers this fee) |
Sources: Government of British Columbia, Property Transfer Tax (retrieved 2026-08-21, https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax) and First Time Home Buyers' Programme (retrieved 2026-08-21). Government of Ontario, Calculating Land Transfer Tax and LTT Refunds for First-Time Homebuyers (retrieved 2026-08-21, https://www.ontario.ca/document/land-transfer-tax/calculating-land-transfer-tax). City of Toronto, Municipal Land Transfer Tax Rates and Fees, table effective 2026-04-01 (retrieved 2026-08-24, re-verified 2026-09-04 against the same page, date modified 2026-04-07, toronto.ca). Government of Alberta, Land Titles and Surveys common documents fee schedule — Transfer of Land C$50 + C$5 per C$5,000 of value, Mortgage C$50 + C$5 per C$5,000 of principal (retrieved 2026-08-21, alberta.ca PDF fee schedule) and Register a land title document or plan, confirming the C$5 per C$5,000 scale applies to submissions received on or after 2024-10-20 (retrieved 2026-08-21, https://www.alberta.ca/register-land-title-document-plan).
Both Alberta fees are charged on every started C$5,000 increment, not a smooth percentage — a C$502,000 purchase is billed on 101 increments, not 100.4. On a typical C$550,000 Calgary purchase financed with a C$440,000 mortgage, the two fees together come to C$1,090: that is the entire provincial and municipal charge, since Alberta has no LTT and no municipality layers one on top. Full worked math on the Alberta closing costs calculator.
Every other province falls between these two extremes. Saskatchewan also charges no provincial LTT — buyers there pay only a 0.4% Land Registry title-transfer fee, per Information Services Corporation's Land Titles fee schedule (retrieved 2026-08-26, saskregistries.ca/fees/landtitlesfees). Nova Scotia has no provincial LTT, but municipalities may levy their own Municipal Deed Transfer Tax up to 1.5%, and most have adopted the full 1.5% (Government of Nova Scotia, retrieved 2026-08-26, novascotia.ca/sns/access/land/deed-transfer-property-tax.asp). PEI charges a flat 1% of the greater of purchase price or assessed value, rising to 2% on the portion of a property's value above C$1,000,000 under the province's 2025–26 budget (Government of Prince Edward Island, Real Property Transfer Tax — Introduction, retrieved 2026-08-26, princeedwardisland.ca/en/information/finance/real-property-transfer-tax-introduction). New Brunswick charges a flat 1% of the greater of assessed value or consideration (Government of New Brunswick, Finance, retrieved 2026-08-26, www2.gnb.ca — Real Property Taxation). Manitoba brackets similarly to Ontario, topping out at 2% on the portion of value above C$200,000 (Government of Manitoba, Finance, retrieved 2026-08-26, gov.mb.ca/finance/other/landtransfertax.html). Quebec's "welcome tax" brackets to 1.5% province-wide above C$315,000 under the standard municipal schedule (City of Québec, Droits sur mutation immobilière, retrieved 2026-08-26, ville.quebec.qc.ca); Montreal is the one municipality permitted to exceed that cap, with its own brackets running past 3% on the portion above C$500,000 and up to 4% on very high-value properties (Ville de Montréal, retrieved 2026-08-26, montreal.ca). This calculator applies the correct table for whichever province you select above — the three rows in the table are the ones worth reading in full before you buy.
Province-specific calculators
This calculator covers every province. These three go deeper on the provinces where the rules have a twist worth its own page.
- British Columbia closing costs — Property Transfer Tax plus both exemptions and the cliff edges where they vanish.
- Ontario closing costs — provincial land transfer tax plus Toronto's municipal one, on the band table effective 1 April 2026.
- Alberta closing costs — where there is no land transfer tax at all, only Land Titles registration fees.
About this calculator
How much are closing costs in Canada?
Canadian closing costs typically range from 1.5% to 4% of the purchase price. On a C$750,000 home, expect C$11,000–C$30,000. The biggest variable is Land Transfer Tax (LTT), which can be C$10,000–C$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 C$55,000; 1.0% up to C$250,000; 1.5% up to C$400,000; 2.0% up to C$2,000,000; then 2.5% above that on one- and two-unit residential. Toronto adds a second municipal LTT on top. Below C$3,000,000 the municipal table matches the provincial one, so the bill is simply doubled; above C$3,000,000 the city charges 4.40% to 8.60% across five bands (effective 1 April 2026) and the municipal tax becomes the larger of the two. First-time buyers get a provincial rebate of up to C$4,000 and a Toronto rebate of up to C$4,475.
Is there Land Transfer Tax in Alberta?
No. Alberta does not levy a Land Transfer Tax. It charges a Land Titles registration fee instead — and unlike a flat fee, it does scale with value: C$50 plus C$5 for every C$5,000 of value, charged separately on the transfer of land (against the purchase price) and on the mortgage (against the mortgage principal). On a C$750,000 purchase with a C$675,000 mortgage that is C$800 + C$725 = C$1,525 CAD. Because Alberta has no land transfer tax, this registration fee is the entire government charge on the purchase, and this calculator now prices it as its own line item.
Do I have to pay PST on CMHC mortgage insurance?
Yes, if your down payment is less than 20% and you are buying in Ontario (8% retail sales tax), Quebec (9% insurance premiums tax — which is a separate tax from the 9.975% QST) or Saskatchewan (6% PST). Those three are CMHC’s own list. This tax must be paid in cash at closing — it cannot be rolled into your mortgage the way the premium itself can. Manitoba repealed its charge on 1 July 2020 and no other province levies one.
What legal fees should I budget for buying a home in Canada?
Budget for two different things. The professional fee is an ESTIMATE — no Canadian province, law society or notarial chamber publishes a tariff for residential conveyancing, so treat these as market ranges and get written quotes: roughly C$1,800–C$3,000 CAD in Ontario, C$1,500–C$2,800 in British Columbia, C$1,500–C$2,500 in Alberta, and C$1,000–C$2,000 for a Quebec notary. The land registration fee is EXACT and set by government: C$85.00 per electronically registered instrument in Ontario (effective 3 November 2025), C$83.82 plus a C$3.55 electronic transaction fee per filing in British Columbia (LTSA listing as at 1 April 2026), C$142 per réquisition published in Quebec's land register (tariff effective 1 April 2025), and C$50 plus C$5 per C$5,000 of value in Alberta. A purchase with a mortgage registers two documents, so double the per-document figure.
Do I need a lawyer or a notary to buy a home in Quebec?
A notary, and it is not optional. In Quebec the notaire — not a lawyer — handles the purchase, because the Civil Code of Québec requires the mortgage itself to be in notarial form: article 2693 provides that “an immovable hypothec must, on pain of absolute nullity, be granted by notarial act en minute.” The fee convention differs too. A Quebec notary is a public officer who acts impartially for the transaction rather than as your advocate against the seller, and the fee is normally quoted as one price for the whole notarial file — title examination, the deed of sale, the deed of loan and publication of both in the land register — instead of the per-service billing common elsewhere in Canada. The buyer usually chooses and pays the notary. Because two réquisitions are published, the sale and the hypothec, Quebec's registration cost of C$284 CAD is the highest of the four provinces this calculator prices, even though the tariff itself is flat.
Want to try different numbers?
Back to the calculator ↑Canada Closing Costs Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.