Closing Costs in Alberta: Land Title Fees, RPRs and More

Alberta doesn’t charge a land transfer tax. In its place a buyer pays two Land Titles registration fees, one to register the transfer of title and one to register the mortgage, each a small base fee plus an amount that grows with the value. The other document an Alberta purchase turns on is the Real Property Report (RPR), a land surveyor’s drawing of the lot and what’s built on it. To estimate your own total, use the closing cost calculator and choose Alberta; the closing costs hub has a guide to each cost and each province.

Land Titles fees instead of a tax

Under the fee schedule in effect from October 1, 2026, the transfer of land fee is $50 + $5/$5000 of value of land, and registering the mortgage costs $50 + $5/$5000 of the principal amount. The fees at common prices, worked out step by step, are on Alberta land title fees.

The Real Property Report

An RPR shows the property’s boundaries and where the house, garage, fences and other improvements sit, and the municipality can stamp it to confirm the improvements comply with its bylaws. In Alberta the seller usually supplies a current RPR with that compliance stamp, and the buyer’s real estate lawyer checks it against the title before closing; property surveys in Canada explains how it compares with a survey in other provinces. When no current RPR is available, title insurance is sometimes used instead; what it covers is on its own page.

Mortgage insurance and sales tax

Alberta has no provincial sales tax, so nothing is charged on a mortgage default insurance premium at closing; the premium is simply added to the loan. How the premium is worked out is on the CMHC insurance premium calculator.

Condos and new homes

A condo purchase adds a review of the condominium corporation’s documents, including the estoppel certificate that shows the unit’s monthly fees and any money owed on it. On a newly built home, GST applies to the price, and the GST/HST new housing rebate can return part of it, with a larger federal rebate for qualifying first-time buyers of new homes.

Example: a Calgary house with 20% down

West of the Rockies, closing costs in British Columbia are built around British Columbia’s property transfer tax, while closing costs in Saskatchewan also run on registration fees rather than a tax, with provincial sales tax on the insurance premium. The province’s help for first-time buyers is in the Alberta first-time home buyer guide.