What will closing cost me?
Land transfer tax and registration fees calculated from your province's published schedule, kept separate from the legal, title and inspection estimates you can edit.
Sets the mortgage size, which some registration fees are charged on.
Yukon is not covered yet: see the sources page for why.
Shows the relief you may be able to claim. It is listed rather than deducted, because eligibility turns on conditions this calculator cannot check.
Adjust the estimated costs
A common range for a residential purchase in Alberta is roughly $1,500 to $2,500 including disbursements. Get a quote: this is a professional fee, not a rule.
A one-off policy premium, priced on the property value. Most lenders require it.
A typical single-family inspection. Larger or older houses cost more, and a condominium document review is a separate charge.
Ordered by the lender where it wants an independent valuation. Often waived on an insured purchase.
Estimated closing costs
$4,620
$1,270 of it set by government and $3,350 estimated.
| Land title registration | $700 |
|---|---|
| Mortgage registration | $570 |
| Total set by government | $1,270 |
| Legal fees and disbursements | $2,000 |
|---|---|
| Title insurance | $350 |
| Home inspection | $600 |
| Appraisal | $400 |
| Property tax adjustment | $0 |
| Total estimated | $3,350 |
- Land title registration. $50 plus $5 for each $5,000 of value or portion thereof.
- Mortgage registration. $50 plus $5 for each $5,000 of the mortgage amount or portion thereof.
- Legal fees and disbursements. A common range for a residential purchase in Alberta is roughly $1,500 to $2,500 including disbursements. Get a quote: this is a professional fee, not a rule.
- Title insurance. A one-off policy premium, priced on the property value. Most lenders require it.
- Home inspection. A typical single-family inspection. Larger or older houses cost more, and a condominium document review is a separate charge.
- Appraisal. Ordered by the lender where it wants an independent valuation. Often waived on an insured purchase.
- Property tax adjustment. Reimburses the seller for property tax they have already paid past your closing date. It depends on the date and on their instalment schedule, so it is left at zero until you have the statement of adjustments.
Two kinds of cost, kept apart
Land transfer tax is calculated from a schedule a government published, and you cannot negotiate a dollar of it. A lawyer's fee is what lawyers around here tend to charge, and if you have a quote you should use yours. Presenting those two in one list tells a reader that a number they can change is fixed, and that a number they cannot change is a guess. So this page separates them, and every estimate says where its default came from.
Transfer tax is marginal, not flat
Each band's rate applies only to the slice of the price inside it, the same way income tax brackets work. In Ontario a $650,000 purchase pays 0.5% on the first $55,000, 1% on the next $195,000, 1.5% on the next $150,000 and 2% on the remaining $250,000, which comes to $9,475. Charging a flat 2% on the whole price would read $13,000. That single error is the most common one in transfer tax calculators.
Where the tax is municipal rather than provincial
Three cases behave differently and the calculator asks for a municipality because of them. Toronto charges its own transfer tax on top of Ontario's, which roughly doubles the bill and is levied nowhere else in the province. In Quebec the transfer duty is municipal in the first place, on a provincial schedule that municipalities may exceed above $500,000, and Montreal has its own bands running to 4%. In Nova Scotia the deed transfer tax is set entirely by each municipality, between 1.0% and 1.5%, with no provincial rate at all.
Where a province charges nothing
Alberta, Saskatchewan, Newfoundland and Labrador, the Northwest Territories and Nunavut levy no land transfer tax. They charge registration fees instead, which are a small fraction of what Ontario or British Columbia charge: a few hundred dollars rather than five figures. On a $650,000 purchase the difference between Calgary and Toronto is over eighteen thousand dollars in tax alone.
The line most calculators miss
If your down payment is under twenty per cent your mortgage is insured, and the premium is added to the loan. In Ontario, Quebec and Saskatchewan there is provincial sales tax on that premium, and it cannot be financed: it is due in cash on closing day. See the down payment calculator for what the premium itself comes to.
What this assumes
- The estimates are conventions, not quotes
- Legal fees, title insurance, inspection and appraisal vary by firm, by property and by how complicated the transaction turns out to be. Every default here says what it is based on, and all of them are editable.
- The property tax adjustment starts at zero
- It reimburses the seller for tax they have already paid past your closing date, so it depends on the date and on their instalment schedule. It is genuinely unknowable until you have the statement of adjustments.
- First-time buyer relief is listed, not deducted
- Eligibility turns on how long you have lived in the province, whether you have ever owned a home anywhere, and whether you will occupy this one. None of those are things this calculator can check.
- Yukon is not covered
- Every official Yukon source refused access when this data was compiled, and publishing a fee schedule nobody here has read would be worse than the gap.
Sources
- Land Transfer Tax · Manitoba Finance · checked
- Land Titles Fees, effective January 4, 2026 · Teranet Manitoba · checked
- Bulletin No. 061: The Retail Sales Tax Act, Insurance · Manitoba Finance · checked
- Real Property Transfer Tax Act, R.S.N.B. c. R-2.1 · Province of New Brunswick · checked
- Schedule of Fees Prescribed by the Minister of Government Services, Registry of Deeds · Commercial Registrations Division, Government of Newfoundland and Labrador · checked
- Land Titles Office Schedule of Fees, updated September 1, 2025 · Land Titles Office, Department of Justice, Government of the Northwest Territories · checked
- Municipal Deed Transfer Tax Rates, July 2026 · Service Nova Scotia · checked
- Nova Scotia Non-Resident Provincial Deed Transfer Tax Guidelines · Nova Scotia Department of Finance and Treasury Board · checked
- Consolidation of Land Titles Tariff of Fees Regulations, R-062-93 · Territorial Printer for Nunavut · checked
- Regulation R-033-2022 amending the Land Titles Tariff of Fees Regulations · Territorial Printer for Nunavut · checked
- Retail Sales Tax: insurance and benefits plans · Government of Ontario · checked
- Real Property Transfer Tax Act, R.S.P.E.I. 1988, Cap. R-5.1, consolidated to May 29, 2026 · Legislative Counsel Office, Government of Prince Edward Island · checked
The rules behind this calculator were last checked on .