Home Buying Closing Costs Calculator Canada 2025

All closing costs in one place • Province-specific • First-time buyer rebates included

Beyond the purchase price, Canadian home buyers typically pay 1.5%–4% of the purchase price in closing costs. This calculator itemizes every cost so you know exactly how much cash you need on closing day.

What Are Closing Costs?

Closing costs are expenses paid on the day you take legal ownership of a property. They are separate from your down payment and must be paid in cash — you cannot finance closing costs into your mortgage.

Key Closing Costs to Budget For

• Land Transfer Tax — Largest closing cost in most provinces
• Legal/Notary Fees — $1,000–$2,500 typically
• Title Insurance — One-time premium, ~$200–$400
• Home Inspection — $400–$600
• Adjustments — Property tax and utility prepayments owed to the seller