Closing costs calculator
Estimate legal, title, and tax adjustments due at closing.
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Interactive calculator
Closing costs calculator
Estimate legal fees, title insurance, appraisal costs, and property tax adjustments due at closing.
How this calculator works
Estimate common closing costs such as legal fees, land transfer taxes, and adjustments.
Use it to avoid surprises in your cash-to-close plan.
Inputs you will need
- Purchase price
- Province and municipality
- Property type and first-time buyer status
Assumptions and limitations
- Uses typical fee ranges; exact costs vary.
- Land transfer taxes follow published rates.
- Legal fees depend on the chosen lawyer or notary.
Example scenarios
BC purchase estimate
See PTT plus legal fees on a sample purchase.
First-time buyer rebate
Include potential rebates and see adjusted totals.
Related tools
Turn this purchase result into a plan
Pair the calculator output with the right buyer guide, then pressure-test lender fit, down payment, and closing-day cash before you make an offer.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
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Frequently asked questions
Are closing costs part of the down payment?
No. Closing costs are separate and must be paid in addition to down payment.
Do closing costs vary by province?
Yes. Taxes and fees vary widely across provinces.
Can I finance closing costs?
Sometimes through cashback programs or refinancing, depending on lender rules.