All provinces · LTT calculated · FTHB rebates
Canada Closing Costs Calculator
Closing costs in Canada typically add 1.5%–4% to the purchase price — and unlike the US, Canada's Land Transfer Tax can be $10,000–$40,000+ depending on your province and city. Get a full breakdown of every cost line so you arrive at closing with no surprises.
Educational calculators — always consult a licensed professional before making financial decisions.
The agreed sale price of the home.
Less than 20% requires CMHC mortgage insurance — the PST on the premium is a closing cost.
Land Transfer Tax rates vary significantly by province. Toronto has an additional municipal LTT.
Provincial + possible Toronto municipal LTT
First-time buyers qualify for Land Transfer Tax rebates in Ontario and BC.
Standard LTT rates apply.
Toronto has a municipal LTT on top of Ontario's provincial LTT. Only applies within Toronto city limits.
No Toronto municipal LTT.
Condo buyers typically need a lawyer to review the status certificate — an extra cost.
No status certificate needed.
Estimated Closing Costs
$22,700
Range: $18,625 – $26,775
Cost Breakdown
| Item | Low | High | Required? |
|---|---|---|---|
Land Transfer Tax | $11,475 | — | Yes |
Legal / Notary Fees Lawyer fees + disbursements | $1,800 | $3,000 | Yes |
Home Inspection Strongly recommended on resale homes | $400 | $700 | Optional |
Title Insurance Lender usually requires it; protects against title defects | $200 | $500 | Yes |
Property Tax Holdback Lender may collect 2–6 months upfront into a tax account | $3,750 | $7,500 | Optional |
Land Survey / Title Search May be required if no recent survey exists (rural/older properties) | $0 | $600 | Optional |
Moving Costs Estimate — varies by distance and volume | $1,000 | $3,000 | Optional |
| Total (mid estimate) | $18,625 | $26,775 |
Your Saved Scenarios
No saved scenarios yet
What you'll need
- ·Purchase price of the home
- ·Down payment amount (affects CMHC PST if under 20%)
- ·Province — LTT rates vary significantly
- ·Whether you are buying in the City of Toronto (second LTT layer)
- ·First-time buyer status (rebates available in ON and BC)
What you'll get
- ✓Land Transfer Tax — Provincial and municipal, where applicable
- ✓Legal & title fees — Legal fees, title insurance, disbursements
- ✓Total cash to close — Every line item summed
How it works
Enter purchase price and down payment
Down payment under 20% triggers CMHC insurance — the PST on the premium is a cash closing cost.
Select province and Toronto status
Land Transfer Tax varies from $0 (Alberta) to $40,000+ (Toronto). Toronto adds a municipal LTT on top of Ontario's.
See your full cost breakdown
Every line item — from LTT and legal fees to title insurance and property tax holdback — estimated low, mid, and high.
Closing Costs on a $750,000 Ontario Home (20% Down)
| Cost Item | Low | High | Required? |
|---|---|---|---|
| Land Transfer Tax (ON) | $11,475 | $11,475 | Yes |
| Legal / Notary Fees | $1,800 | $3,000 | Yes |
| Title Insurance | $200 | $500 | Yes |
| Home Inspection | $400 | $700 | Optional |
| Property Tax Holdback | $3,750 | $7,500 | Maybe |
| Moving Costs | $1,000 | $3,000 | Optional |
| Total Estimate | ~$18,600 | ~$26,200 | — |
FTHB rebate reduces LTT by up to $4,000 (provincial) + $4,475 (Toronto municipal). Verify with your lawyer.
Authoritative resources
About this calculator
How much are closing costs in Canada?+
Canadian closing costs typically range from 1.5% to 4% of the purchase price. On a $750,000 home, expect $11,000–$30,000. The biggest variable is Land Transfer Tax (LTT), which can be $10,000–$30,000+ in provinces like Ontario or British Columbia.
What is the Land Transfer Tax in Ontario?+
Ontario charges a provincial LTT on a tiered system: 0.5% on the first $55,000; 1.0% up to $250,000; 1.5% up to $400,000; 2.0% up to $2,000,000. Toronto adds a second municipal LTT at the same rates. First-time buyers get a provincial rebate of up to $4,000 and a Toronto rebate of up to $4,475.
Is there Land Transfer Tax in Alberta?+
No. Alberta does not have a Land Transfer Tax. Instead, Alberta charges a small Land Title Transfer Fee, which is usually $500–$1,000 and is not based on the purchase price.
Do I have to pay PST on CMHC mortgage insurance?+
Yes, if your down payment is less than 20% and you live in Ontario (8% PST), Quebec (9% QST), or Manitoba (8% PST). This PST on the CMHC premium must be paid in cash at closing — it cannot be rolled into your mortgage like the premium itself.
What legal fees should I budget for buying a home in Canada?+
Lawyer fees (or notary fees in Quebec) typically range from $1,200 to $3,000 depending on the province and complexity. Budget $1,800–$3,000 in Ontario, $1,500–$2,800 in BC, and $1,000–$2,000 for a Quebec notary.
See every closing cost broken down by line item.
Back to the calculator ↑Canada Closing Costs Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.