🇨🇦 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.