Selling · Closing costs · 2026
The commission alone does not decide what you keep: the full list does, and it fits on one page. Here is every item, with the example of a $600,000 house.
Selling a house in Quebec costs, in 2026, between 6% and 9% of the sale price depending on the case, almost all of it deducted at the notary. On a $600,000 house with a $300,000 mortgage, the typical account: 5% commission with taxes, $34,492; discharge of the mortgage prepared by the notary, a few hundred dollars; certificate of location if yours is outdated, $1,200 to $2,500; prepayment penalty if the loan is paid off before the end of the term, three months' interest ($3,180 on $300,000 at 4.24%) or the interest rate differential if higher; adjustments of municipal and school taxes paid in advance, refunded by the buyer; preparation and repairs, $0 to $5,000; moving, $1,000 to $3,000. The buyer pays their own notary, welcome tax and inspection: the seller contributes nothing to those. What is left, the net proceeds, is the price minus mortgage, commission, penalty and fees.
| Item | Who deducts it | 2026 order of magnitude | On $600,000 (mortgage $300,000) |
|---|---|---|---|
| Broker's commission, taxes included | Notary, from proceeds | 4% to 6% plus 14.975% | $34,492 (5%) |
| Mortgage discharge (quittance) | Notary | A few hundred dollars, fees and registration | $400 (example) |
| Prepayment penalty | Lender, via the notary | 3 months' interest (variable) or the greater of 3 months and the rate differential (fixed); $0 if the mortgage is ported | $3,180 (3 months at 4.24%) |
| Certificate of location | Land surveyor | $1,200 to $2,500 if yours is outdated or inaccurate | $1,800 |
| Adjustments (municipal and school taxes, oil, condo fees) | Notary | Buyer refunds amounts paid in advance, or the reverse | Variable, often in your favour late in the year |
| Preparation and staging | You | $0 to $5,000 (paint, minor repairs, cleaning) | $2,000 |
| Moving | You | $1,000 to $3,000 local | $1,500 |
| Marketing, photos, advertising | Agency | Included in our commission; sometimes billed elsewhere | $0 |
| Total costs | 6% to 9% of the price | ≈ $43,400 | |
| Net proceeds (price minus mortgage and costs) | ≈ $256,600 |
The example amounts are orders of magnitude to illustrate the calculation; the penalty depends on your contract and rates, and disappears if you port the mortgage to your next purchase or the buyer assumes it.
The notary fees for the deed of sale (the buyer chooses and pays the notary, except for the discharge), the welcome tax (buyer), the pre-purchase inspection (buyer), CMHC insurance (buyer). The seller pays capital gains tax only if the house was not their principal residence for every year of ownership (cottage, plex, rented house); the principal residence is exempt but must be reported on the sale.
Port the mortgage instead of paying it off (no penalty if you buy again within the lender's window, often 90 to 120 days); order the certificate of location as soon as you decide to sell to avoid a rush and a renegotiation; and price on closed sales on the street, because an overpriced house that sits costs more in price cuts than all the fees combined. See the commission explained, the mortgage penalty and the certificate price.
6% to 9% of the price depending on commission, mortgage penalty and certificate: about $43,000 on a $600,000 house with a $300,000 mortgage paid off early.
Only the discharge of their own mortgage, a few hundred dollars; the deed of sale is paid by the buyer.
At the notary, on signing day, deducted from the proceeds; you advance nothing for the commission.
Not on a principal residence, which must be reported on your tax return; yes on the capital gain of a cottage, a plex or a rented house.
To run your own numbers: the commission calculator, our fees and the mortgage calculator. French versions are linked below.
The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts 221 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.
Also available in French: version française de ce guide.
Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.
Équipe no 1 de RE/MAX Platine en 2024 et en 2025, 6e au Québec, 15e au Canada et dans le top 50 mondial au classement officiel RE/MAX. Réponse en moins de 24 heures, sept jours sur sept.