This calculator adds up the costs that come on top of the price and the down payment. It calculates the welcome tax, the mortgage loan insurance premium and the tax on that premium exactly, and gives a range for the rest.
Welcome tax (transfer duties). In brackets: 0.5% up to $62,900, 1% up to $315,000, 1.5% above in 2026. The thresholds move to $64,400 and $322,600 on January 1, 2027. Laval applies 3% above $500,000; Montreal, Quebec City and Gatineau also have their own rates. The calculator switches to the 2027 thresholds from January 1, 2027 based on today’s date, not the date of the deed.
Notary. Under the OACIQ promise to purchase, the costs of the deed of sale and its publication are paid by the buyer. Calculator range: $1,500 to $3,500.
Inspection, title insurance, moving. $400 to $700, $200 to $400 and $800 to $2,500: orders of magnitude for budgeting, not published rates. Ask for quotes.
Adjustments. The notary splits property taxes and the building’s other charges as of the date of the deed or of occupancy. Range: $500 to $2,000.
CMHC premium and its tax. Below a 20% down payment, the premium (2.80% to 4.00% of the loan) can be added to the loan. The provincial tax on that premium cannot: 9% today, 9.975% on premiums paid after December 31, 2026. The calculator shows the premium separately, as added to the loan, and counts the tax in the cash to plan for.
New construction. The calculator adds GST (5%) and QST (9.975%) on the full price, without rebates. Check whether the builder’s price already includes taxes.
Example: existing house in Laval, $400,000, $40,000 down (10%), deed signed in 2026.
| Item | Amount |
|---|---|
| Welcome tax | $4,110.50 ($4,065 in 2027) |
| CMHC premium: 3.10% of $360,000 | $11,160, can be added to the loan |
| 9% tax on the premium | $1,004.40 ($1,113.21 at 9.975%) |
| Notary, inspection, title insurance, moving, adjustments | $3,400 to $9,100 |
The calculator therefore shows cash to plan for of $8,514.90 to $14,214.90, tax on the premium included, with the $11,160 premium added to the loan. An eligible first-time buyer can then recover the $4,110.50 of welcome tax through a tax credit.
Details in the real cost of buying your first home and the welcome tax in 2027.
Frequently asked questions
How much should I budget for closing costs when buying a home in Quebec?
Can the tax on the CMHC premium be added to the mortgage?
Who pays the notary when buying a house in Quebec?
Do first-time buyers pay the welcome tax in Quebec?
What are adjustments at the notary?
Where these figures come from
The calculators on this site apply the Quebec rules in force: transfer duty brackets by municipality, CMHC insurance premiums based on the down payment, the legal minimum down payment, the GDS and TDS ratios Canadian lenders use, and the stress test rate. The calculation runs entirely in your browser: no amount you enter is sent anywhere or stored.
What a calculator cannot do
The result is an estimate, not a mortgage pre-approval, not a certified appraisal and not tax advice. A lender decides on your full credit file, your proof of income and the nature of the property. Scales and rates change during the year. Check any figure that matters with your lender, your notary or your accountant before committing. The limits of these tools are set out in the terms of use.
