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Paragon Pragmatic Lending
1915 Foxtail Terrace, Kelowna BC V1P 1T9
BCFSA Brokerage License X301089
(778) 557-2144
[email protected]

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Copyright 2026 - All rights reserved. Paragon Pragmatic Lending.
Information is general and not legal, tax, or investment advice. Strategies like the Smith Manoeuvre (Maneuver) and cash or rental damming involve risk. Consult a qualified tax professional.
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Closing costs calculator

Estimate legal, title, and tax adjustments due at closing.

Save + compare

Unlock the full calculator suite

Create a free account to save scenarios, compare options, and share results with your broker team.

  • Save unlimited scenarios and track changes over time
  • Compare rate options side by side with broker feedback
  • Export reports for underwriting or renewal planning
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Purchase price currency$
Down payment currency$

Used for insured mortgage checks

Include CMHC/Sagen/Canada Guaranty premiums

Override legal fees currency$

Leave blank to use provincial defaults

Override title insurance currency$
Override appraisal currency$
Override tax adjustment currency$

Two months estimated by default

Closing costs calculator

Estimate legal fees, title insurance, appraisal costs, and property tax adjustments due at closing.

Save scenario

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

Cash to closePTT CanadaPurchase service

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.