Estimate Ontario and Toronto transfer taxes, Alberta registration fees and other closing costs.
Plan beyond the down payment.
Check Ontario eligibility. Partial ownership or mixed eligibility requires a separate calculation.
Residential estimate for one or two single-family residences, traditional down payment and a 25-year insured amortization. Other taxes, exemptions, new-build HST and non-resident taxes are not modelled. Obtain a lawyer’s closing statement.
What is different about Ontario and Alberta closing costs?
Ontario uses provincial land transfer tax, with a separate municipal tax for Toronto. Alberta uses land-title and mortgage-registration charges. Eligibility for refunds and other transaction-specific charges must be assessed separately.
A useful way to test your assumptions
Compare provincial scenarios with the same purchase price and mortgage amount. The result excludes some taxes and circumstances described below; your lawyer’s closing statement is the final transaction-specific calculation.
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Calculation references: Ontario tax ratesToronto tax and feesAlberta fees · Reviewed October 7, 2026
Use the estimate as a starting point.
Change the inputs to explore what is comfortable for you. A lender’s decision also depends on your credit, verified income, the property and its own requirements. These tools do not pre-approve you or provide a rate quote.
Closing estimates include selected provincial and municipal charges, entered costs and eligible refunds where selected. Non-resident taxes, new-build HST and other exemptions are not modelled. Your lawyer should confirm the complete closing statement.
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