Plan with transparent assumptions

Closing Costs Calculator

Separate cash needed at closing from financed mortgage insurance.

Prefilled amounts are examples—not personal advice, local quotes or guaranteed returns. Review every assumption. All amounts are Canadian dollars.

Home price ($)

Property location

All first-time buyer exemption conditions met?

Not just your first purchase: citizenship/residency, ownership history, occupancy and property conditions apply. Partial ownership exemptions need a professional quote.

Other location: verified transfer / registration cost ($)

Required for locations without a supported rule set. Zero must be explicitly confirmed.

Other location: quote confirmed?

Down payment ($)

Amortization (years)

Eligible first-time buyer or newly built home?

Insured amortization beyond 25 years requires eligible first-time-buyer or new-build status; a 0.20 percentage-point premium surcharge is included.

Cash sales tax on insurance premium ($)

Applicable provincial tax is not financed. Enter your lender quote (including where applicable ON, QC or SK). Zero is an assumption, not a provincial tax determination.

Alberta: registered mortgage amount ($)

Enter the registered amount for Alberta, including collateral charges where applicable.

Legal and title costs, including tax ($)

Inspection and appraisal ($)

Moving / utility setup ($)

Tax and other prepaid adjustments ($)

Other purchase taxes / fees after rebates ($)

Include applicable new-build GST/HST, Toronto administration charges and other costs not already entered.

Method and scope

Inputs are checked before calculation. Editing any field clears the previous result so it cannot be mistaken for an updated answer. Rules reviewed October 2, 2026. Confirm tax eligibility and mortgage terms with your professional.

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