What Will Closing Day Cost?
Beyond your down payment, you need cash for legal, title, inspection and Land Titles fees. Good news: Alberta charges no land transfer tax — so you keep thousands vs Ontario or BC.
The purchase
Each cost is the midpoint of the typical quotes, as of September 2026, in the Calgary closing-costs guide: lawyer $1,500–$2,500 including disbursements and GST, title insurance $300–$500, inspection $450–$650, appraisal $300–$500 and, for a condo, a document review at $400–$600. Land Titles fees use Alberta's published rate of $50 plus $5 per $5,000. Not included: the property-tax and condo-fee adjustments (your lawyer calculates these to the day), moving and home insurance. A CMHC premium (under 20% down) is added to your mortgage rather than paid in cash, and Alberta charges no sales tax on it.
Get a closing-cost breakdown for your deal
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Questions
Does Alberta have a land transfer tax?
No. Alberta has no land transfer tax. You pay two Land Titles registration fees instead, each $50 plus $5 per $5,000: one on the price and one on the mortgage. That is about $1,075 on a $500,000 home with a $475,000 mortgage.
How much are closing costs in Calgary?
Most buyers need about 1–3% of the price on top of the down payment. The fixed costs this tool adds up (lawyer, title insurance, inspection, appraisal and Land Titles fees) come to roughly $3,400–$5,600 on a $400,000–$700,000 home, using typical quotes as of September 2026. The property-tax adjustment, moving and insurance make up the rest.