Buyer Costs • Closing • Checklist

Closing Costs in Alberta (Buyer Checklist + Calculator List)

Your down payment isn’t the only cash you need. These are the typical Alberta closing costs and “cash to close” items—so you can budget cleanly, avoid surprises, and close with confidence.

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What “closing costs” includes (Alberta)

Think of closing costs as everything you pay to complete the purchase—beyond the purchase price and down payment. Some items are fixed-ish, some depend on property type, and some depend on the exact possession timing.

1) Legal fees + disbursements

  • Lawyer fee (varies by firm/complexity).
  • Title-related registrations/searches and other disbursements.
  • Mortgage registration (if applicable).

2) Home inspection (recommended)

  • Inspection cost varies by size/type (condo vs detached, etc.).
  • Optional add-ons: sewer scope, radon testing, etc., depending on home + risk profile.

3) Condo documents (if buying a condo/townhouse condo)

  • Document/package fee (varies).
  • Review time + red flags: reserve fund, insurance, bylaws, fee inclusions, special assessment risk.

4) Adjustments (possession-date math)

Adjustments are prorations at closing. Common items include:

  • Property taxes (depending on what’s already paid / how your municipality bills).
  • Condo fees (if applicable).
  • Utilities and any prepaid items tied to the property.

5) Insurance + utilities setup

  • Home insurance bound by possession/closing (often required by lender).
  • Utility hookups / deposits where required.

6) Moving + “first month” costs

  • Movers/truck, storage, travel if out of province.
  • Immediate purchase needs (locks, minor repairs, tools, etc.).

Practical budgeting tip: keep a buffer for “cash to close” plus a small safety margin. Exact numbers vary by home and possession timing—your checklist should be property-specific.

Fast “cash to close” checklist (copy/paste)

Legal + titleFees, searches, registrations, mortgage docs (if any).
InspectionHome inspection + any risk-based add-ons.
Condo docsPackage fee + review of reserve fund/insurance/bylaws.
AdjustmentsTaxes/fees prorations tied to possession date.
InsurancePolicy bound for possession + lender requirements.
Moving/setupMovers, travel, utilities, locks, first-month fixes.

Related pages (high-intent)

FAQ (closing costs in Alberta)

Are closing costs the same as a down payment?

No. Down payment is part of the purchase price. Closing costs are additional costs needed to complete the purchase and take possession.

Do condos have different closing costs?

Often yes. Condos commonly add a condo document/package cost and require disciplined reserve fund/insurance/bylaw review.

What are “adjustments”?

Adjustments are prorations based on possession timing and what has already been paid (often taxes, condo fees, or prepaid items).

Can you help me estimate cash to close for a specific home?

Yes. Send the listing and your expected possession timing—we’ll outline the likely categories and the due diligence steps.

MLS®/REALTOR® trademarks belong to their respective owners. This is practical real estate guidance—not legal, tax, or accounting advice.