Closing Costs Calculator — Canada (Resale)

Deal Inputs

STEP 1

Province

First-time Home Buyer?

Purchase Price ($)

Down Payment

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

Deposit Already Paid ($)

Lender Type

Legal Fees & Disbursements ($)

Title Insurance ($)

Appraisal ($)

Home Inspection ($)

Condo Status Certificate ($)

Registration & Govt Filing Fees ($)

Title transfer + mortgage registration.

Lender Fee (% of loan)

Broker Fee (% of loan)

Lender/Admin Flat Fees ($)

Lender Legal/Review ($)

Annual Property Tax ($)

Months Collected on Closing

Interest Adjustment Days

Annual Interest Rate (%)

Utilities/Condo Fee Adjustments ($)

Home Insurance Binder / Misc ($)

STEP 2

Estimated Closing Costs$0

Down Payment (cash)$0

Total Cash at Closing$0

Government & Taxes $0

Professional Fees $0

Lender / Broker / Admin $0

Adjustments & Prepaids $0

Notes (Aug 20, 2025)

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).