Buying & selling
Home Buying Closing Costs
Select a province or state for a location-aware starting point, then edit every tax, fee and adjustment.
Calculate your result
What this calculator estimates
Build a custom estimate of purchase costs. It combines the inputs below to produce Estimated closing costs. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.
Worked example
Using the displayed sample assumptions, the calculator produces $3,800. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.
Inputs and assumptions
- Purchase price — sample input: 650000 currency units
- Transfer tax and registration — sample input: 0 currency units
- Legal, title or escrow fees — sample input: 1800 currency units
- Inspection or survey — sample input: 550 currency units
- Valuation or appraisal — sample input: 450 currency units
- Lender and mortgage charges — optional — sample input: 0 currency units
- Prepaid property tax — optional — sample input: 0 currency units
- Prepaid insurance — optional — sample input: 0 currency units
- HOA, condo or strata adjustments — optional — sample input: 0 currency units
- Other costs or adjustments — optional — sample input: 1000 currency units
- Down payment — optional — sample input: 0 currency units
- Deposit already paid — optional — sample input: 0 currency units
How to interpret the result
Include immediate work and transaction costs in the decision. Compare a conservative case with an expected case and keep a record of the assumptions used.
Common mistake to avoid
Do not confuse purchase price with total cash required. Local definitions, taxes, lending practices and measurement requirements can materially change the result.
Frequently asked questions
Why do closing costs vary by location?
Transfer taxes, recording fees, legal fees, title costs and required services differ by state, province and municipality.
Are the default rates guaranteed?
No. Review the selected jurisdiction and replace defaults with current local figures before making a decision.
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Reviewed 2026-09-08.