Enter the price and your down payment — the totals update as you type.
Estimates for illustration only, based on typical Calgary costs in 2026. This is not financial, legal or tax advice — confirm figures with your lender, lawyer and insurer before you buy.
- Down payment
- Land title transfer fee
- Mortgage registration fee
- Lawyer (incl. 5% GST)
- Title insurance
- Home inspection
- Condo document review
- GST on a new home (5%)
Calgary Home Buyer’s Guide 2026
Down payment and CMHC rules, first-time buyer programs, Alberta closing costs, prices by district and checklists.
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Kateryna can connect you with a trusted mortgage specialist and a real estate lawyer, and walk you through every cost before you make an offer.
No land transfer tax
Alberta has no land transfer tax. You pay a Land Titles registration fee instead: $50 plus $5 for every $5,000 of the price, and the same formula on the mortgage amount (since October 2024).
CMHC insurance with less than 20% down
The premium is 2.80% (15% down), 3.10% (10% down) or 4.00% (5% down) of the mortgage, plus 0.20% for a 30-year amortization. It is added to your mortgage, and Alberta charges no sales tax on it.
Minimum down payment
5% of the first $500,000 and 10% of the part between $500,000 and $1.5 million. Homes priced at $1.5 million or more need at least 20% down.
Other costs to plan for
Property tax and condo fee adjustments on possession day, moving, utility hook-ups and home insurance. On a new build, GST is 5% of the price — builders often include it or apply rebates, so check the contract.
