Closing costs are the one-time fees paid when buying or refinancing
They include legal fees, land transfer tax, title insurance, adjustments, and more
Our calculator estimates your costs based on purchase price and province
You should budget 3%–6% of the purchase price for most buyers
Government resources explain statutory fees and taxes
Buying a home involves more than the mortgage rate — closing costs can add significant upfront expenses. Our Closing Cost Calculator helps you estimate the fees associated with a home purchase or refinance in Canada.
This page explains what closing costs include, how they’re calculated, and how to interpret your estimate, with clear links to regulator guidance so you understand the full picture.
For more detailed information on mortgage types, costs, and rights, consult the Government of Canada – Financial Consumer Agency of Canada (FCAC).
Closing costs are the upfront fees paid in addition to your down payment when you buy or refinance a home in Canada. They typically include:
Legal/Notary fees
Land Transfer Tax (varies by province/municipality)
Title insurance
Property tax adjustments
Appraisal and inspection fees
Registration fees
Mortgage default insurance premiums (if applicable)
These costs are paid once at closing and are separate from your ongoing mortgage payments.
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Our calculator estimates your closing costs based on:
Purchase price of the property
Province/territory where the property is located
Whether this is a first home purchase or a refinance
The estimate includes common statutory and professional fees but does not include moving costs or optional upgrades.
Enter your home purchase price.
Select your province or territory.
Add your estimated down payment.
Instantly view a detailed breakdown of your expected closing costs and total funds needed.
You’ll get both a summary of estimated costs and the total amount required to close, including taxes and adjustments.
Our Closing Cost Calculator automatically adjusts based on where you’re buying:
🏙️ Toronto, ON | 🌲 Vancouver, BC | 🏔️ Calgary, AB | 🌅 Halifax, NS
Each province has unique fees and land transfer tax rates, and Citadel Mortgages ensures accuracy whether you’re buying in Toronto, Vancouver, Calgary, or Halifax.
A lawyer or notary handles title search, registration, and legal paperwork. Fees vary by province and professional.
Some provinces and cities charge a land transfer tax when a property changes hands. For example:
Ontario charges provincial land transfer tax, and Toronto Land Transfer Tax adds a municipal tax on top.
First-time buyers may qualify for rebates in some provinces.
To understand land transfer tax rules where you’re buying, see the Government of Canada’s housing ownership guidance:
https://www.canada.ca/en/services/finance/mortgages.html
At closing, the seller and buyer may need to adjust property taxes to ensure each pays their fair share for the year.
Title insurance protects against title defects and fraud. It is often required by lenders and recommended for buyers.
For most buyers in Canada:
Legal/notary fees: $1,000–$2,000
Land transfer tax: varies by location
Adjustments & registrations: hundreds to a few thousand
Inspection and appraisal: optional but common
Together, these often add up to 3%–6% of the purchase price — more on higher-tax properties.
| Item | Estimated Cost (on $700,000 home) |
|---|---|
| Land Transfer Tax | $10,475 |
| Legal Fees & Disbursements | $1,800 |
| Title Insurance | $400 |
| Appraisal | $450 |
| Home Inspection | $500 |
| Adjustments & Misc. | $1,200 |
| Total Estimated Closing Costs: | $14,825 |
💡 Tip: Having an accurate estimate helps prevent surprises — and ensures a smooth closing process.
Before you finalize your budget, consider official guidance:
For broader consumer and tax guidance related to home ownership, see the Government of Canada’s mortgage and housing information.
It provides an estimate based on average provincial costs and taxes. Final amounts vary slightly depending on location and lender.
Yes, the calculator includes land or property transfer tax based on your province or city.
Common ones include prepaid utilities, adjustment fees, and property tax differences — all included in your calculation.
Closing costs for refinancing are lower, but you can still use it to estimate legal and appraisal fees.
Work with a mortgage professional at Citadel Mortgages to access lender programs that cover certain legal or appraisal fees.
At Citadel Mortgages, we help Canadians turn their homeownership dreams into reality.
Here’s what makes us Canada’s trusted choice:
🌟 Access to Top Lenders Nationwide
💼 Customized Mortgage Solutions for Every Buyer
📈 Award-Winning Rates & Expert Guidance
🤝 Dedicated Support from Pre-Approval to Closing
Start your home journey right — use our Closing Cost Calculator today to know what to expect before you sign.
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