Confirm taxes, adjustments, title work, disbursements, and the final funds required to close.
Cash-to-close calculator
Home closing-cost calculator for Canada
Estimate down payment plus regional transfer fees, mortgage-insurance tax and closing allowances. Keep your reserve separate.
Start calculating
See purchase cash and itemized fees together.
YOUR LOCATION
Where is the property?
Choose a province or territory to use the right regional taxes and fees.
Understand the result
How closing costs change across Canada
- The regional transfer tax or land-title registration fee is calculated from the selected province or territory.
- Verified first-time buyer relief is shown separately where the regional rules support an automatic estimate.
- Mortgage-insurance taxes and planning allowances for legal, title, and inspection work remain itemized.
Illustrative worked example: complete assumptions
Synthetic case, not a market average or quote. Amounts rounded to dollars; nominal rate compounded semi-annually with monthly payments.
| Price / down payment | $500,000 / $100,000 |
|---|---|
| Provincial transfer tax | $6,475 |
| Legal and title / inspection | $2,500 / $600 |
| Modeled fees | $9,575 |
| Purchase and closing cash | $109,575 |
Ontario resale outside Toronto; no first-time-buyer refund, no mortgage insurance premium (20% down), no modeled municipal tax. Reserve is separate. A deposit already paid forms part of the down payment; adjustments and the remaining solicitor’s payment are not calculated.
Official source for rules and conventionsFormula and assumptions
Calculations are reproducible and use the published rules linked below. Service-cost amounts are planning allowances, not quotes.
Read the calculation methodologyFAQ
Common questions
How much should I budget for closing costs in Canada?
The amount depends on the province or territory, municipality, purchase price, buyer eligibility, legal work, adjustments, and financing. Use the itemized estimate rather than a flat percentage.
Why does the calculator ask for my province first?
Transfer taxes, registration fees, mortgage-insurance taxes, and available buyer relief vary by region. Toronto and some municipalities also require a local input.
Prepare the facts, open decisions, professional reviews, and delivery questions involved in submitting a home offer without a buyer's agent in Canada.
Read the guide