FREE CANADIAN CALCULATOR

Land Transfer Tax & Closing Cost Calculator

Estimate the land-transfer or registration cost due on a Canadian home purchase, then add legal and other closing expenses for a fuller cash-to-close estimate.

Reviewed: October 3, 2026Policy year: 2026Methodology & data sources →

TRANSFER TAX & REGISTRATION

Land transfer & registration

2026 rules

Province or territory

Purchase priceMortgage amountUsed where mortgage registration fees apply.

Eligible first-time home buyerApplies the standard relief this calculator can model. Actual eligibility can depend on residency, ownership history and property use.

Manitoba land transfer tax plus electronic title/mortgage registration estimates. No general first-time buyer LTT rebate is applied.

LAND TRANSFER / REGISTRATION DUE

$9,9241.65% of purchase price · before down payment

Provincial transfer tax$9,650

Transfer / title registration$137

Mortgage registration$137

Estimated full closing costs$13,574Government costs + the optional professional/adjustment estimates below.

FULL CLOSING COST ESTIMATE

Other closing-cost estimates

These are editable planning assumptions, not government transfer taxes. Set any item to $0 if it does not apply.

OTHER COSTS$3,650

Legal feesHome inspectionAppraisalTitle insurance / misc.Tax / utility adjustments

Transfer / registration due$9,924

Other closing costs$3,650

Estimated closing costs$13,574

Not included unless explicitly entered or modelled: down payment, GST/HST on a new home, mortgage-insurance sales tax where applicable, non-resident/speculation taxes, moving costs, lender-specific fees, property-tax arrears, special levies, or lawyer-specific disbursements.

How this calculator works

This tool provides an estimate for planning purposes. Actual taxes, lending costs, insurance premiums and fees vary by province and personal circumstances. Review our methodology and data sources, and verify important financial decisions with official sources or a qualified professional.