🇨🇦 Canada
Calculadora de Costos de Cierre — Canadá
Los costos de cierre en Canadá están dominados por el impuesto provincial de transferencia — de nada en Alberta a más del 2 % en Ontario y BC.
1 Detalles de la Compra
Usado para calcular el seguro CMHC si < 20 % de pago inicial.
La provincia afecta la estimación del impuesto de transferencia.
Costos de Cierre Estimados (CAD)
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Ingresa el precio de compra arriba
Estimación Baja
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Estimación Alta
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% del Precio
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Desglose Detallado
Estimaciones — los montos reales varían según el abogado, prestamista y ubicación
Desglose por Categoría
Costos de Cierre en Canadá Explicados
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.
Compradores en Toronto y Vancouver: Doble Impuesto de Transferencia
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.