Closing costs catch buyers off guard every day. This calculator shows exactly how much cash you need to bring to your lawyer on closing day — land transfer tax, legal fees, CMHC insurance tax, title insurance, adjustments, and more. All provinces covered.
| TAXES & GOVERNMENT FEES | |
| Provincial Land Transfer Tax | — |
| Title / Land Registration Fee | — |
| PROFESSIONAL FEES | |
| Legal / Lawyer Fees | — |
| Title Insurance | — |
| Home Inspection | — |
| Appraisal Fee | — |
| ADJUSTMENTS & OTHER | |
| Property Tax Adjustment | — |
| Moving Costs | — |
| Home Insurance (1st Year) | — |
| Utility / Other Adjustments | — |
| Total Estimated Closing Costs | — |
Closing costs are separate from your down payment and must be paid in cash through your real estate lawyer on closing day. They cannot be financed into your mortgage. Budget between 1.5% and 4% of the purchase price — with higher-priced markets like Ontario and BC landing closer to 3–4% due to land transfer taxes.
The CMHC insurance premium itself is NOT a closing cost — it rolls into your mortgage balance. However, if you live in Ontario, Quebec, or Saskatchewan, the provincial sales tax (PST/QST) on that premium must be paid in cash at closing and cannot be added to your mortgage. This surprises many buyers and can be hundreds or even thousands of dollars.
Real estate agent commissions are paid by the seller, not the buyer, in Canada. They are deducted from the sale proceeds and are not part of your closing costs.
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