Winnipeg Closing Cost Calculator
By Hami Tahm · Last reviewed November 2026
How much are closing costs when buying a house in Winnipeg?
According to HomeCalc.ca: On a $400,000 Winnipeg home, Manitoba land transfer tax is $5,650, and Land Titles charges $137 to register the transfer and $137 to register the mortgage. Winnipeg adds no city land transfer tax, and Manitoba has no first-time buyer rebate. With the calculator's default legal, inspection, appraisal, title insurance and moving allowances, the closing costs come to about $11,174 on top of the down payment — adjust every line in the calculator below.
Purchase Details
$20,000
Additional Fees
Total Cash Needed
$31,174
Send yourself this closing-cost checklist
Itemized closing costs, cash-needed estimate, and a saved link
Save these exact numbers and reopen them anytime.
Free. We'll only email you this report.
Cost Breakdown
Estimated from the calculated mortgage amount. Your lender may register a different amount.
Some lawyers bill the land title and mortgage registration fees as disbursements on their invoice — don't count them twice.
Key Takeaways
- Manitoba land transfer tax is the largest closing cost: 0% on the first $30,000, then 0.5%, 1%, 1.5% and 2% on everything above $200,000.
- Winnipeg has no municipal land transfer tax, and Manitoba has no first-time buyer rebate — every buyer pays the same tax.
- Land Titles charges $137 to register the transfer and $137 to register a mortgage (electronic filing, 2026 schedule).
- Manitoba charges no sales tax on the CMHC premium, unlike Ontario, Quebec and Saskatchewan. The premium itself is added to the mortgage.
- Legal fees, title insurance, an inspection, an appraisal, moving and property-tax adjustments come on top — and all of it is cash, separate from the down payment.
Winnipeg closing costs on a $400,000 home
A first-time buyer putting the minimum $20,000 down, with the calculator's default allowances for the items that depend on who you hire:
| Cost | Amount |
|---|---|
| Manitoba land transfer tax | $5,650 |
| Land Titles — transfer registration | $137 |
| Land Titles — mortgage registration | $137 |
| Legal fees (allowance) | $2,000 |
| Title insurance (allowance) | $400 |
| Home inspection (allowance) | $500 |
| Appraisal (allowance) | $350 |
| Moving (allowance) | $2,000 |
| Closing costs (cash, on top of the down payment) | $11,174 |
| Total cash needed, including the down payment | $31,174 |
Land transfer tax and Land Titles fees by price
| Purchase price | Manitoba LTT | Transfer + mortgage registration | Total to government |
|---|---|---|---|
| $300,000 | $3,650 | $274 | $3,924 |
| $400,000 | $5,650 | $274 | $5,924 |
| $500,000 | $7,650 | $274 | $7,924 |
| $600,000 | $9,650 | $274 | $9,924 |
For the bracket-by-bracket breakdown, see the Manitoba land transfer tax calculator.
Other costs to plan for
On closing day the lawyer settles a property-tax adjustment with the seller: if the seller has prepaid the year's Winnipeg property tax past your possession date, you reimburse that share. How big a Winnipeg tax bill is depends on your school division — see the property tax calculator for the 2026 Winnipeg rate by division. Condo buyers may also see a similar adjustment for prepaid condo fees.
Plan the payment, not just the closing
Once you know the mortgage amount, the mortgage amortization calculator shows how each payment splits between interest and principal over the life of the loan, and the down payment calculator checks the minimum down payment and CMHC premium for your price.
Frequently asked questions
Sources
- Manitoba Finance — Land transfer tax
- Teranet Manitoba — Land Titles fee schedule effective 4 January 2026
- CMHC — Premium information (provinces that charge sales tax on the premium)
Related Calculators
Explore more free tools built for Canadian homebuyers and investors.
Closing Cost Calculator
Estimate all closing costs on a home purchase in any Canadian province or territory.
Try itLand Transfer Tax Calculator
Land transfer tax for every Canadian province and territory, plus Toronto MLTT, with first-time buyer rebates.
Try itMortgage Amortization Calculator
View your full Canadian mortgage amortization schedule, compare prepayment scenarios, and see principal vs interest breakdown over time.
Try it