Calgary & Alberta, 2026
Closing cost calculator.
Estimate what you'll pay on closing day when you buy a home in Calgary, plus your down payment and CMHC insurance. Alberta has no land transfer tax, so your costs are lower than in most provinces.
Estimates only. Title and mortgage registration fees use Alberta Land Titles rates ($50 + $5 per $5,000). Lawyer, title insurance and inspection costs are typical Calgary ranges. CMHC premiums apply below 20% down and are added to your mortgage.
Closing cost questions
Is there a land transfer tax in Calgary or Alberta?
No. Alberta has no land transfer tax. Instead, buyers pay Alberta Land Titles registration fees: $50 plus $5 for every $5,000 of the purchase price to register the title, and $50 plus $5 for every $5,000 of the mortgage amount to register the mortgage.
How much are closing costs when buying a home in Calgary?
For a typical Calgary home, closing costs are often about $3,000 to $5,000. That covers title and mortgage registration, legal fees, title insurance and a home inspection. Condo buyers usually add a condo document review.
Do I pay CMHC insurance at closing in Alberta?
Usually not. With less than 20% down, the CMHC premium is added to your mortgage. Alberta has no provincial sales tax, so there is no tax on the premium to pay in cash at closing.
What is the minimum down payment in Canada?
5% of the first $500,000 of the purchase price and 10% of the portion between $500,000 and $1.5 million. Homes priced at $1.5 million or more need at least 20% down.