Selling your home is exciting — you’re about to cash in on years of
memories and potentially make a healthy profit. But before you start dreaming
about that post-sale celebration, let’s talk about the real costs that come off the
top of your sale cheque.
In Calgary (and across Alberta), closing costs for sellers can add up. Most
happen at the finish line — after the buyer’s deposit, after negotiations, and right
before you get your final cheque. The good news? Knowing them ahead of time
makes budgeting WAY easier — and keeps your profit predictable.
1. Realtor Fees (The Big One)
Let’s get this out of the way: the highest cost on most Calgary home sales is the real estate commission. In Alberta, a typical commission structure is roughly 7% on the first $100,000 and 3% on the balance of the sale price — plus GST.
For example, selling a $700,000 home under that rate could mean ~$19,000 in total commission before GST.
2. Legal and Closing Admin Fees
You must have a lawyer handle the land transfer, title changes, adjustments, and delivery of proceeds. That isn’t optional in Alberta. Expect legal fees around $1,000–$2,000+, depending on complexity. MLS Listing Realtor
This also covers things like prorated property tax adjustments and final paperwork. These are essential — and they have to be done right.
3. Real Property Report
In Calgary, you generally need an up-to-date Real Property Report with compliance. If your current RPR is older or non-compliant, updating it can cost $500–$1,000. MLS Listing Realtor
Yes, you’re selling the house, but buyers — and lawyers — want clear evidence
of what’s actually on the land.
4. Mortgage Discharge Fees (If You Still Owe Money)
If you’re paying off your mortgage at closing, your lender may charge a discharge fee — and possibly a penalty if you break a fixed-term early. Discharge fees commonly range from $200 to $400+, and penalties vary widely.
- Timing matters: If your renewal window is near, you might save by porting your mortgage instead of discharging it.
5. Title Insurance (Optional but Worth Knowing)
Title insurance isn’t always mandatory for sellers, but some buyers and lenders may ask for it. Typical one-time cost: $250–$500. This protects against unforeseen issues with property ownership history — better safe than sorry!
6. Miscellaneous Closing Costs
These are smaller — but they do add up if you’re not ready:
- Courier/document disbursements: $50–$200
- Administrative charges: $50–$150
- Property tax proration (you’ve paid taxes until closing day): varies by timing, but real and unavoidable
Better to budget a few hundred dollars than be surprised at closing.
7. Home Prep, Staging & Photography (Optional but Smart)
This isn’t technically a mandatory closing cost, but sellers often invest in prep to get a higher sale price:
Staging: $500–$2,500+
Photography & listing visuals: $200–$500
These costs can pay for themselves in stronger offers and shorter days on market.
Calgary Seller Closing Cost Summary (2026)
Expense Estimated Cost
Realtor commissions ~6–7% + GST
Legal fees $1,000–$2,000+
RPR update $500–$1,000
Mortgage discharge $200–$400+
Title insurance $250–$500
Admin & adjustments $100–$300
Optional prep & staging $500–$3,000+
Most Calgary sellers should budget approximately 6–10% of the sale price for total selling costs, depending on commission structure and mortgage penalties.
Selling a Home in Calgary? Plan Before You List
Understanding your closing costs upfront gives you clarity, confidence, and
control over your bottom line.
Before listing your Calgary home, make sure you:
✔ Review your commission agreement
✔ Check your mortgage discharge terms
✔ Confirm your Real Property Report status
✔ Budget for legal and tax adjustments
✔ Discuss prep strategies with your realtor
A little planning now can protect your profit later.
Thinking About Selling in Calgary?
A local expert can help you price strategically, minimize costs, and avoid surprises at closing. Whether you’re ready to buy your first home, invest in a rental property, or find a new place to live, now is the perfect time to take action.
Connect with Unison Property Management today to explore your options, understand your buying or renting power, and create a plan that fits your goals.
Visit www.unisonrealtygroup.com or call (403) 219-3000 to start planning your next move in Calgary’s evolving market.