Canadian Closing Costs Calculator
Calculate all closing costs for any Canadian province — land transfer tax, GST/HST on new builds, CMHC PST, legal fees, and first-time buyer rebates.
Tax costs for a CA$650,000 resale purchase across all provinces.
| Province | Net LTT | GST/HST | Total Taxes | % of Price |
|---|---|---|---|---|
| Alberta | None | — | CA$0 | 0.00% |
| Saskatchewan | None | — | CA$0 | 0.00% |
| Nova Scotia | None | — | CA$0 | 0.00% |
| Newfoundland | None | — | CA$0 | 0.00% |
| New Brunswick | CA$6,500 | — | CA$6,500 | 1.00% |
| PEI | CA$6,500 | — | CA$6,500 | 1.00% |
| Quebec | CA$7,983 | — | CA$7,983 | 1.23% |
| Ontario | CA$9,475 | — | CA$9,475 | 1.46% |
| Manitoba | CA$10,650 | — | CA$10,650 | 1.64% |
| British Columbia | CA$11,000 | — | CA$11,000 | 1.69% |
AB, SK, NL: no LTT — only minor title registration fees (~$200-600). NS: no provincial LTT but municipal deed transfer tax (~1.5%) applies.
How to Use the Canadian Closing Costs Calculator
Enter your Property Price, select your Province, and choose whether the property is resale or new construction. First-time buyers should check the FTB box to see applicable land transfer tax rebates in Ontario and British Columbia. Toronto buyers should also enable the Toronto checkbox to include the additional municipal LTT.
Canadian Closing Costs Explained
Land Transfer Tax (LTT)
Land Transfer Tax is a provincial government levy charged when real estate changes hands. Rates vary significantly by province — Ontario and BC have tiered LTT systems, Alberta and Saskatchewan have none at all. Toronto adds a second municipal LTT on top of Ontario's provincial tax, making it the most expensive city in Canada for LTT.
British Columbia: 1% up to $200K / 2% to $2M / 3% above
Alberta / Saskatchewan / Newfoundland: No LTT
Toronto: Additional municipal LTT equal to Ontario's provincial rate
GST/HST on New Construction
Resale homes are exempt from GST/HST — one of the largest advantages of buying resale over new construction. New homes attract GST (5%) or HST (13-15% depending on province) on the purchase price. A federal new housing rebate reduces the net tax for homes under $450,000, but for higher-priced new builds, the full HST applies — often $50,000 to $100,000+ in additional tax.
CMHC Mortgage Insurance
If your down payment is under 20%, CMHC mortgage default insurance is mandatory. The premium (2.8% to 4% of the loan amount) is added to your mortgage — but Ontario, Quebec, and Saskatchewan also charge PST on the CMHC premium itself, which must be paid in cash at closing.
Legal Fees and Title Insurance
A real estate lawyer or notary (Quebec) is required for all Canadian property purchases. Fees typically range from $1,500 to $3,000. Title insurance is a one-time premium protecting against title defects, encroachments, and fraud — typically $200 to $400 for resale homes.
Example: Closing Costs for an $800,000 Home in Ontario
$800,000 Resale — Ontario — 20% Down — First-Time Buyer
| Land Transfer Tax (Ontario) | $11,475 |
| FTB Rebate (price over $600K) | $0 |
| Toronto Municipal LTT (if applicable) | $11,475 |
| GST/HST (resale — exempt) | $0 |
| Legal Fees (estimated) | $2,000 |
| Title Insurance | $300 |
| Home Inspection | $600 |
| Property Tax Adjustment (est.) | $1,200 |
| Total Closing Costs (excl. Toronto) | $15,575 |
| Total Closing Costs (incl. Toronto LTT) | $27,050 |