What this calculator answers
Closing costs are the money you pay on top of your down payment to complete a purchase. Alberta is one of the cheaper provinces to buy in because it has no land transfer tax. Instead, Land Titles charges a registration fee based on the price and another based on the mortgage. Most of the rest is legal fees, an inspection, adjustments and moving.
Enter your own quotes where you have them. The defaults are examples, not prices from any lawyer or company.
How the calculation works
- Transfer registration = $50 + $5 for every $5,000 (or part of $5,000) of the price.
- Mortgage registration = $50 + $5 for every $5,000 (or part of $5,000) of the mortgage, including any insurance premium added to it.
- With less than 20% down, the mortgage is insured. The premium is added to the mortgage; Alberta charges no tax on it.
- Closing costs = Land Titles fees + the costs you enter. Total cash to close = down payment + closing costs.
Assumptions and limits
- The Land Titles formula is a provincial regulation, as listed in our sources. Add-on fees announced for 2026 were not confirmed and are not included.
- Legal, inspection, moving and other amounts are examples or your own figures, not quotes.
- GST on new homes and any rebates are not calculated. Enter the amount from your builder contract.
- Home insurance, utilities and condo fee adjustments vary and are not included unless you add them under Other costs.
Common questions
Is there a land transfer tax in Alberta?
No. Alberta charges registration fees through Land Titles instead, which are much smaller. On a $450,000 home the transfer fee is $500.
How much should I budget for closing costs in Alberta?
It depends on your lawyer, the property, adjustments and whether GST applies, so add up your own quotes above rather than relying on a rule of thumb. Lenders usually want proof that you have money for closing costs on top of your down payment.
Can I add closing costs to my mortgage?
Generally no. Closing costs are paid from your own money. The insurance premium is the exception: it is added to the mortgage.
What is the property tax adjustment?
If the seller has already paid the year's property tax, you pay them back for the days after you take possession. If they have not, the credit goes the other way. Your lawyer works it out.
Sources
- Cassels: Alberta Land Titles fee changes (rules checked 2026-10-31)
- Alberta Municipalities: land titles fee increases (rules checked 2026-10-31)
- CMHC notice, premiums and 30-year amortization (rules checked 2026-10-31)
- Ratehub: PST on CMHC insurance by province (rules checked 2026-10-31)