Closing Costs and Land Transfer Tax in Canada
Land transfer tax by province and the other costs due on closing.
Closing costs catch many buyers off guard because they have to be paid in cash on top of the down payment. The largest is usually land transfer tax, and it works differently in every province: some charge a percentage, some a flat fee, some add a municipal tax, and several offer first-time buyer relief.
Start with the national guide to land transfer tax and closing costs, which compares the provinces. Province pages are added where each province's own rules and numbers justify a separate page, each with a worked example from the province's own rates.
Budget closing costs before you make an offer; the first-time buyers hub shows where they fit in the order of operations.
What this hub helps you decide:
- How much land transfer tax will I pay?
- Do I qualify for a first-time buyer rebate?
- Does my city add its own tax?
- What other closing costs should I budget?
Updated November 2026 · 1 guide by Andrew
Start here
New to real estate? Read the overview first: The Canadian Mortgage Guide: Rates, Terms, Renewal, and Prepayment.
All Closing Costs & Land Transfer Tax guides
Land Transfer Tax and Closing Costs Across Canada
A province-by-province map of land transfer tax, the municipal add-ons, and the other cheques due on closing day that are not the down payment.