2026 Canadian Home Closing Costs Calculator
How much cash will you need at closing?
Bring together your down payment, land transfer tax, mortgage-insurance tax and practical professional-service estimates.
✓ 2026 rules · Last verified August 2026 · Based on official Canadian sourcesEstimated cash required
Planning estimate — not financial advice.
First-time buyer impact
Understand the result
What this estimate means
A rebate or refundable credit may lower the eventual net cost without reducing what must be paid on closing day.
Before deciding: Legal fees, adjustments and local charges vary; confirm them with the notary or lawyer handling the transaction.
Helpful answers
Frequently Asked Questions
How much are closing costs when buying a house in Canada?
Closing costs vary by province, municipality and transaction. They can include transfer taxes, legal or notary fees, title-related costs, adjustments, inspections and other expenses, so an itemized calculation is more useful than relying on one national percentage.
What closing costs do I have to pay when buying a house?
Common costs include land transfer or property transfer tax, legal or notary fees, title insurance, appraisal or inspection fees, tax and utility adjustments and applicable tax on mortgage insurance. The exact list varies by location.
Are closing costs included in the down payment?
No. The down payment reduces the amount being financed, while closing costs are separate transaction expenses. Buyers should therefore keep cash available for both.
Do first-time home buyers pay closing costs in Canada?
Yes. First-time buyers still pay many closing expenses, although some provinces and municipalities offer rebates or exemptions on specific transfer taxes and programs can reduce the total amount required.
Does this calculator include the new federal or Ontario new-home rebates?
No. The result excludes GST/HST on a new home and the federal first-time home buyers’ GST/HST rebate, which can be up to $50,000 for an eligible new home, as well as Ontario’s enhanced new housing rebate. Eligibility depends on details this calculator does not collect, including agreement and construction dates, occupancy, first-time-buyer history, principal-residence use and whether tax is included in the price. Use the direct CRA sources below and confirm the transaction with your lawyer or tax adviser.
Official sources and rule record+
Official sources and rule record
How this estimate works
Ontario, Toronto, British Columbia, Québec and Montréal transfer duties use the current official progressive schedules. Eligible Ontario and Toronto rebates and the B.C. first-time exemption are applied. For a qualifying Québec first-home purchase after December 31, 2025, the refundable home-access tax credit is estimated separately because the municipal tax remains payable first. Other jurisdictions use the amount you enter because registration systems and municipal rates vary.
GST/HST on a new home and the related federal first-time home buyer and Ontario enhanced new-housing rebates are not included in the result. Those programs require additional facts—including whether tax is included in the price, agreement and construction dates, occupancy, first-time-buyer history and principal-residence eligibility—that this calculator does not collect. Foreign-buyer and vacant-home taxes, moving, repairs, insurance, prepaid interest and lender-specific fees are also excluded. Professional fees are editable planning estimates. Confirm rebate eligibility and the final statement of adjustments with the CRA and your lawyer or notary.
ca.home-purchase.closing-costs.2026 · Effective 2026-01-01 · 2026 rules · Last verified September 1, 2026 · Based on official Canadian sources
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