Closing Costs Calculator — Canada (Resale)

Deal Inputs

STEP 1

Deal Setup

Province

First-time Home Buyer?

Purchase Price ($)

Down Payment

If percent is selected, value is treated as % of price.

Deposit Already Paid ($)

Lender Type

Professional & Fixed Fees

Legal Fees & Disbursements ($)

Title Insurance ($)

Appraisal ($)

Home Inspection ($)

Condo Status Certificate ($)

Registration & Govt Filing Fees ($)

Title transfer + mortgage registration.

Lender / Broker Fees

Auto-fills by lender type, while remaining fully editable for scenario planning.

Lender Fee (% of loan)

Broker Fee (% of loan)

Lender/Admin Flat Fees ($)

Lender Legal/Review ($)

Adjustments & Prepaids

Annual Property Tax ($)

Months Collected on Closing

Interest Adjustment Days

Annual Interest Rate (%)

Utilities/Condo Fee Adjustments ($)

Home Insurance Binder / Misc ($)

Results

STEP 2

Province rules applied

Estimated Closing Costs$0

Down Payment (cash)$0

Total Cash at Closing$0

Quick Interpretation

Your estimated cash at closing will appear here once the figures are calculated.

Closing cost composition

Based on estimated closing costs

Government & Taxes — $0

Professional Fees — $0

Lender / Broker / Admin — $0

Adjustments & Prepaids — $0

Closing Summary

This view combines the remaining down payment after your deposit with government charges, professional fees, lender-related charges, and prepaid adjustments.

Government & Taxes $0

Professional Fees $0

Lender / Broker / Admin $0

Adjustments & Prepaids $0

Notes (Apr 2026 — updated)

Resale only. Provincial LTT/transfer regimes implemented; municipal add-ons where common (Toronto MLTT; Montreal supported; NS uses user-entered MDTT rate).
FTB rebates implemented: Ontario (provincial + Toronto), British Columbia (Apr 1, 2024 updates), Prince Edward Island (exempt to $1M; 2% on portion over). Other provinces generally have no LTT-specific FTB rebates.
AB, SK, NL: registration/transfer fees only (no LTT).
Toronto MLTT: Updated to include new graduated luxury brackets above $3M, effective Apr 1, 2026 (City of Toronto Council resolution, Dec 17, 2025). Properties under $3M are unaffected.
BC PTT: Now includes the additional 2% residential surcharge on the portion above $3M (effective Feb 2018), bringing the marginal rate on that portion to 5%.
Quebec: Standard municipalities use 3-tier provincial brackets (0.5% / 1% / 1.5%, CPI-indexed; 2025 thresholds). Montreal applies its extended higher tiers above $307,800 via municipal by-law. These brackets are CPI-indexed each January.