Confirm taxes, adjustments, title work, disbursements, and the final funds required to close.
Cash-to-close calculator
Home closing-cost calculator for Canada
Choose a province or territory, then estimate regional transfer or registration fees, verified buyer relief, mortgage-insurance tax, and total cash needed at closing.
Start calculating
Know the cheque you need beyond the down payment.
STEP 1 OF 2
Where is the property?
Choose a province or territory so taxes, transfer fees, and regional assumptions are tailored before you start.
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.
Formula 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