Calculator
BC closing costs
Property Transfer Tax is usually the biggest surprise. First-time buyers get a full exemption up to $500k and partial up to $860k.
Cash to close
$188,200
Down payment + one-time costs
Net PTT
$15,000
Full PTT: $15,000
| Down payment | $170,000 |
| Property Transfer Tax | $15,000 |
| Legal fees | $1,800 |
| Inspection | $600 |
| Appraisal | $500 |
| Title insurance | $300 |
| CMHC insurance (added to loan) | None (20%+ down) |
Down: 20.0% · Loan: $680,000. Budget an extra 1–1.5% for interest and property tax adjustments on closing day.
Scenario only — not a pre-approval. Real rates depend on lender, credit, and property.