"Estimate your total closing costs — land transfer tax, legal fees, title insurance, and more — before you buy a home in Canada."
Add up the one-time costs due when you close on your home purchase, on top of your down payment.
Enter each cost as you confirm it. Edit the description on any line, or add your own.
| Cost item | Amount |
|---|---|
| Total closing costs | $0 |
Total closing costs
$0
Enter a purchase price above to see this as a percentage of your purchase.
Actual closing costs typically range from 1.5% to 7% of the purchase price depending on your specific transaction, though most lenders will require at least 1.5% in the bank, on top of your down payment, to close.
Land transfer tax and mortgage default insurance are calculated automatically based on your inputs above; all other fees are estimates you can adjust to match your actual quotes.
This calculator is an informational guide only. Closing costs vary based on your individual circumstances — for example, non-resident buyers typically face additional costs — and this tool is limited to residential properties. Talk to your real estate lawyer for your final, exact closing costs.
With the exception of your CMHC (or equivalent) insurance premium, closing costs are upfront costs required before you can take possession of your new property, and cannot be added to your mortgage.
Your estimated closing costs:
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.