FREE TOOL · NEWFOUNDLAND & LABRADOR
NL Closing Cost Calculator
Written by the Turner Realty Team · Reviewed August 2026
Work out the real fees you'll pay on closing day — separate from your down payment. Registry of Deeds fees use the exact provincial formula; everything else is a range you adjust to your own quotes.
Your Closing Costs
Adjust the price, financing, and service-fee ranges below to match your situation.
This is your closing-day cash need for fees only — it does not include your down payment. For total cash-to-close including your down payment, see our Mortgage Calculator.
Talk to a Turner Realty Agent → Browse Active Listings →Newfoundland has no land transfer tax
Most provinces charge a land transfer tax at closing — often thousands of dollars, calculated as a percentage of your purchase price. NL is one of the few provinces that doesn't. Instead, you pay a modest Registry of Deeds registration fee, set out in provincial regulation:
Common Questions
How much does closing on a home actually cost in Newfoundland & Labrador?
It depends on your purchase price and whether you're financing, but a common rule of thumb is roughly 2–3% of the purchase price for the fees on this page — not counting your down payment. The calculator above works out your specific Registry of Deeds fees precisely (they're set by provincial statute) and lets you adjust the legal, title, and inspection ranges to your own quotes.
Does Newfoundland & Labrador have a land transfer tax?
No. NL is one of the few Canadian provinces with no land transfer tax. Instead you pay a Registry of Deeds registration fee — $100 for the first $500 of value, plus $0.40 for every additional $100 (or part of $100), charged separately on the purchase price and, if you're financing, on the mortgage amount too. Each of those two fees is capped at $5,000. This calculator computes both exactly using the statutory formula.
Does HST apply to my closing costs?
HST (15%) applies to the professional SERVICE fees — legal fees, title insurance, a home inspection, an appraisal — not to the home's purchase price on a resale, and not to the Registry of Deeds government fee itself. New-construction purchases have a separate HST consideration on the build price; see our HST rebate guide for that case specifically.
Do I need to pay for a home inspection or an appraisal?
A home inspection is optional but strongly recommended — it's the buyer's own due-diligence check on the property's condition. An appraisal is sometimes required by your lender, but it's frequently arranged and paid for by the lender directly rather than billed to you; confirm with your mortgage professional whether you'll be charged for it separately.
Does this calculator include my down payment?
No — this tool is specifically the closing-cost side (fees, taxes, and registrations), separate from your down payment. For a full picture including your down payment, monthly payment, and CMHC insurance, use our Mortgage & Affordability Calculator alongside this one.