Calgary Closing Costs Calculator
On a $630,000 purchase, budget $3,125 to $8,225 in cash on top of your down payment. Here is every line, with the Calgary numbers filled in.
Typically $900 to $2,500 including disbursements.
0.50% of the purchase price, on top of the down payment
Check what I qualify forEvery line, and who pays it
| Cost | Typical range |
|---|---|
| Land title registration fees Due in cash on closing. Calculate it → |
$1,325 |
| Legal fees and disbursements Quebec uses a notary rather than a lawyer, typically $1,500–$2,500. |
$900 – $2,500 |
| Title insurance Not customary in Quebec, where a certificate of location ($800–$1,500) does the same job. |
$200 – $500 |
| Home inspection Optional, and worth every dollar on a resale. |
$400 – $800 |
| Appraisal Lender-ordered. Often waived on insured purchases. |
$300 – $600 |
| Property tax adjustment Reimburses the seller for taxes they prepaid past your closing date. |
$0 – $2,500 |
- Alberta has no land transfer tax, which typically saves an Alberta buyer several thousand dollars versus the same purchase in Ontario or BC.
What the seller pays
Real estate commission and their own legal fees, plus the status or estoppel certificate on a condo. None of that lands on your side of the statement.
Your Calgary closing cost checklist as a PDF
Every line item with your numbers filled in, formatted so you can hand it to your lawyer or take it to the bank. Free.
What rate would you actually get?
A 25 basis point difference on a $592,000 mortgage costs about $7,000 over a five-year term — several times the closing costs you are budgeting for here.
Get my real rateQuestions
How much are closing costs in Calgary?
Budget $3,125 to $8,225 on a $630,000 purchase. Land title registration fees is the biggest line at $1,325. The rule of thumb of 1.5% of the purchase price holds up in most provinces and badly understates it in Toronto.
Which closing costs can I finance?
Almost none of them. Default insurance premium is the exception — it is added to the mortgage. Everything else, including the provincial sales tax on that premium, has to be cash on closing day. Lenders will ask you to prove you have it.
Do I need title insurance?
Most lenders require it, and at $200 to $500 it is the cheapest protection on the file. It covers survey problems, title defects and, increasingly, title fraud.
What does the property tax adjustment mean?
If the seller has already paid the year's property tax past your closing date, you reimburse them for the part of the year you will own the home. In Calgary the residential rate is 0.618%, so a $630,000 home carries about $3,894 a year — the adjustment is a slice of that.
Transfer tax figures from alberta.ca, checked 22 August 2026. Price basis: average selling price, July 2026, CREB. Ranges are typical, not quotes. Your lawyer produces the binding statement of adjustments.
The math is free. Acting on it is the point.
When you are ready to do something with these numbers, we will introduce you to a licensed broker who can put the file in front of lenders. Nothing here obliges you to.
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