Closing Cost Calculator — Estimate Buyer or Seller Fees
Estimate closing costs for buying or selling a home in the US or Canada with location-aware tax calculations.
Calculator Inputs
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Key Facts
Updated April 2026
- Buyer closing costs typically run 2-5% of purchase price
- Seller closing costs average 6-8% (mostly agent commissions)
- Land transfer tax in Ontario and BC can be $10,000+ on a $500K home
- Alberta, Saskatchewan, and PEI have no land transfer tax
- Agent commissions are negotiable since the 2024 NAR settlement
Pro Tips
Get quotes from at least 3 title insurance companies — prices vary 30%+ for the same coverage.
Ask the seller to contribute toward closing costs as part of your offer negotiation. In buyer markets this is common and can save $5,000-$15,000.
First-time buyers in Ontario may qualify for a land transfer tax rebate of up to $4,000. Check your province for similar programs.
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