Notary Fees, Welcome Tax, Closing Costs in Quebec: Full Breakdown

Buying a home in Quebec comes with more than just a down payment. Notary fees, the Welcome Tax (municipal transfer tax), and several closing adjustments can add up quickly—and many buyers only discover them late in the process. This guide breaks down the main closing costs, what they typically include, and how to budget accurately so you can buy with confidence and avoid last-minute surprises.

When you buy a property in Quebec, the purchase price is only part of the story. Closing costs can range from a few thousand dollars to much more depending on the property, city, and your financing. The good news: once you know the categories, it’s easy to plan and avoid surprises.

Below is a practical, buyer-friendly breakdown of the most common closing costs in Quebec.

1) Notary Fees in Quebec: What You’re Paying For

In Quebec, real estate closings are typically handled by a notary. Notary costs can vary based on complexity and location, but generally include:

• preparing and reviewing the deed of sale (and mortgage deed if applicable)

• title verification and publication at the land registry

• communication with lender and parties involved

• administrative fees and file management

• disbursements (government registration fees, copies, couriers, etc.)

  
  

Budget tip: ask your notary early for an estimate that includes taxes and disbursements so you’re not guessing.

2) Welcome Tax (Municipal Transfer Tax): What It Is

The “Welcome Tax” is a municipal transfer tax paid by the buyer after purchase. It’s calculated based on the property value (often tied to the purchase price, but municipalities can apply rules).

Key notes:

• you typically receive the bill after closing from the municipality

• timing can vary (often within weeks after purchase)

• the amount varies by city and price bracket

  
  

Budget tip: plan for this separately from your notary fees—it’s not paid on signing day, but it arrives soon after.

3) Inspection Fee: A Small Cost That Can Save You Thousands

A home inspection is often one of the best value costs in the transaction.

Depending on the property type, inspection costs can include:

• general inspection (house/condo)

• additional checks (if needed): roof, foundation, pyrite, vermiculite, sewer scope, etc.

  
  

Budget tip: keep a buffer for follow-up specialist inspections if red flags appear.

4) Closing Adjustments: The Costs Buyers Forget

Adjustments are amounts reimbursed to the seller for prepaid expenses or allocated costs.

Common adjustments include:

• property taxes already paid by the seller (you reimburse your share)

• condo fees (for condos)

• heating oil (if applicable)

• rent adjustments (if buying an income property)

  
  

These aren’t “extra fees”—they’re normal proration—but they can still impact your cash needed at closing.

5) Mortgage-Related Costs (If Applicable)

Depending on your lender and situation, you may also see:

• appraisal fee (sometimes required)

• mortgage insurance (for lower down payments, if applicable)

• lender administration fees (varies)

• interest adjustment (depending on closing date and payment cycle)

  
  

Budget tip: ask your broker/lender what fees apply to your exact mortgage file.

6) Moving Costs and Immediate Setup

These aren’t always listed as “closing costs,” but they hit your wallet immediately:

• moving truck/movers

• address changes and service hookups

• basic repairs or paint

• appliances (if not included)

  
  

Even a modest move can add up quickly—plan for it.

A Simple Closing Cost Budget Checklist

To stay safe, many buyers set aside a closing-cost buffer that covers:

• notary fees + disbursements

• Welcome Tax

• inspection (plus possible follow-ups)

• adjustments

• appraisal (if required)

• moving + immediate setup

  
  

If you budget properly, closing day becomes smooth—not stressful.

Want a realistic estimate based on your price range, property type, and city?

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