🇨🇦 Canada
Calculateur de Frais de Clôture — Canada
Les frais de clôture au Canada sont principalement les droits de mutation provinciaux — de rien en Alberta à plus de 2 % en Ontario et en C.-B. Obtenez une estimation par province.
1 Détails de l'Achat
Utilisé pour calculer l'assurance SCHL si < 20 % de mise de fonds.
La province influe sur l'estimation des droits de mutation.
Frais de Clôture Estimés (CAD)
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Entrez votre prix d'achat ci-dessus
Estimation Basse
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Estimation Haute
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% du Prix
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Détail des Frais
Estimations — les montants réels varient selon le notaire, le prêteur et la localisation
Répartition par Catégorie
Frais de Clôture au Canada Expliqués
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.
Acheteurs à Toronto et Vancouver : Double Taxe de Bienvenue
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.