CostAlberta has no land transfer tax — only small, flat title and mortgage registration fees — making it one of the lowest total closing cost provinces in Canada. Budget mainly for legal fees, title insurance, and CMHC insurance if applicable, without the large land transfer tax bill common elsewhere.
Registration fees instead of land transfer tax
Alberta charges no land transfer tax at all — see our guide to the two provinces with none. Instead, you'll pay a small title registration fee and a separate mortgage registration fee, both calculated on a modest flat or near-flat basis rather than as a percentage of the purchase price, regardless of whether the home costs $300,000 or $900,000.
Legal and other closing costs
Legal fees and title insurance follow patterns similar to the rest of the country — see our legal fees guide and title insurance guide. Alberta is not one of the provinces charging CMHC premium PST separately in cash at closing, unlike Ontario, Quebec, Saskatchewan, and Manitoba.
Putting it all together
$500,000 home, Calgary, 10% down, no first-time buyer rebate needed
| Down payment | $50,000 |
| Title + mortgage registration fees | ~$400 |
| Legal fees + title insurance | ~$1,500 |
| Total cash needed to close (excl. down payment) | ~$1,900 |
Compare this against a similar-priced home in a province with land transfer tax using the closing cost calculator.