Closing Costs Calculator Canada
This closing costs calculator hub covers every Canadian province plus Toronto and Montreal, because the biggest closing cost, land transfer tax, changes completely at each border. Alberta buyers pay a few hundred dollars in fees while Toronto buyers pay two full transfer taxes.
Pick where you’re buying for the local calculator, first-time buyer relief, new-construction extras, and the ancillary costs everyone forgets.
| Where | Land transfer tax | First-time buyer relief | Est. closing costs on $600,000 |
|---|---|---|---|
| Ontario | Marginal 0.5% to 2.5% (top rate above $2M) | Rebate up to $4,000 | $11,725 |
| Toronto (ON + municipal) | Provincial LTT plus a matching municipal LTT (luxury tiers above $3M) | Rebates up to $4,000 + $4,475 | $20,200 |
| British Columbia | 1% to $200K, 2% to $2M, 3% above (plus 2% on residential value over $3M) | Exemption up to $8,000 on homes to $835K | $13,250 |
| Alberta | No LTT; title and mortgage registration fees ($5 per $5,000) | Not needed, fees are already low | $4,430 |
| Saskatchewan | No LTT; land titles fee of about 0.4% | None | $5,650 |
| Manitoba | Marginal 0% to 2% (top rate above $200K) plus $70 registration | None | $12,970 |
| Quebec (outside Montreal) | Welcome tax, marginal 0.5% to 1.5% | Pay first, then claim up to $5,875 (not deducted at the notary) | $10,404 |
| Montreal | Welcome tax with municipal tiers up to 4% above $3.1M | City grant closed July 2026; provincial credit up to $5,875 (pay then claim) | $10,642 |
| New Brunswick | 1% of the greater of price or assessed value | None | $9,250 |
| Nova Scotia (Halifax) | Municipal deed transfer tax, 0.5% to 1.5% (Halifax charges 1.5%) | None (varies by municipality) | $12,250 |
| Prince Edward Island | 1% of the greater of price or assessed value | Full exemption for eligible first-time buyers | $9,250 |
| Newfoundland and Labrador | Registration of deeds fee, roughly 0.4% | None | $5,748 |
Estimated totals combine the land transfer tax or registration fees with roughly $3,250 in legal fees, title insurance, inspection, and appraisal, before first-time buyer relief and ancillary costs. Checked July 2026.
Compare land transfer tax at your price
Enter your purchase price and buyer type to compare the biggest closing cost across all twelve jurisdictions. Then open your province’s page for the full calculator.
Net amount after first-time buyer relief where it exists. Alberta, Saskatchewan, and Newfoundland charge registration fees instead of a transfer tax. Nova Scotia varies by municipality (Halifax shown). Hover any bar for the breakdown.
What are closing costs?
Closing costs are the one-time expenses due when your purchase completes, paid in cash through your lawyer on closing day. They sit on top of your down payment and, with one narrow exception for mortgage insurance, cannot be rolled into the mortgage.
The realistic range is 1.5% to 4% of the purchase price for a resale home, and closer to 3% to 5% for new construction. Where you land depends almost entirely on your province’s land transfer tax and whether you qualify for first-time buyer relief.
Each province page breaks down every type of closing cost: land transfer tax, legal fees, title insurance, inspection, CMHC insurance, GST/HST on new construction, and the ancillary costs like moving and furniture that surprise most buyers.
More free tools
The biggest line is usually land transfer tax. Work it out by province with the land transfer tax calculator. Closing costs hit once; property tax hits every year. Estimate it with the property tax calculator, or if you’re selling at the same time, check your real estate commission.