How to use it
Enter the purchase price, down payment, province, and expected service costs. The calculator estimates land transfer or registration costs, buyer services, mortgage insurance sales tax where commonly applicable, and total cash needed.
Home buying tool
Closing Costs Calculator Canada
Estimate the cash you may need at closing for a Canadian home purchase. This is a browser-based educational calculator, not legal, tax, mortgage, or real estate advice.
- No uploads
- No accounts
- No installs
- Local processing
Educational estimate only. Closing costs vary by province, municipality, lender, lawyer, insurer, property type, closing date, tax adjustments, and available rebates.
Related tools
Start with the mortgage affordability calculator, then compare your monthly cash flow using the budget calculator.
FAQ
Does this include every rebate?
No. First-time buyer rebates and local rules can change and may depend on eligibility. Verify with your lawyer or official sources.
Is mortgage insurance premium paid in cash?
The premium is often added to the mortgage, but provincial sales tax on that premium may need to be paid in cash in some provinces.