Kamloops closing costs
The median asking price in Kamloops is $639,900. On a purchase at that price the closing costs come to roughly $13,848, about 2.2% of the price, on top of your down payment. Ask Relta to rerun the $639,900 example with your price, down payment, or first-time-buyer status.
Median asking
$639,900
Closing costs
$13,848
Minimum down
$38,990
Cash to close
$52,838
Property transfer tax is the largest single piece at $10,798. The rest is legal and conveyancing, an inspection, an appraisal and title insurance, which together run about $3,050.
A qualifying first-time buyer would pay $2,798 of that transfer tax instead of $10,798, bringing closing costs to about $5,848. The exemption carries residency and prior-ownership conditions, so treat it as a figure to confirm rather than assume.
The minimum down payment on $639,900 is $38,990, which puts the cash needed to close at roughly $52,838, or $44,838 as a first-time buyer.
As a share of price, that is in line with the rest of the province, where the median is about 2.1%.
| Cost | Standard | First-time buyer |
|---|---|---|
| Property transfer tax1% to $200K, 2% to $2M, 3% above, plus 2% on residential value over $3M | $10,798 | $2,798 |
| Legal and conveyancingTypical range, not a quote | $1,800 | $1,800 |
| Home inspectionOptional but rarely worth skipping | $600 | $600 |
| AppraisalOften required by the lender | $400 | $400 |
| Title insurance | $250 | $250 |
| Closing costs | $13,848 | $5,848 |
| Cash to close, with the minimum down payment | $52,838 | $44,838 |
Run your own numbers in the mortgage calculator, which carries the payment side that this page does not.
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Surrey
About $21,848 to close
See the breakdown
Vancouver
About $28,829 to close
See the breakdown
Richmond
About $21,674 to close
See the breakdown
Burnaby
About $19,030 to close
See the breakdown
Kelowna
About $17,030 to close
See the breakdown
Langley
About $20,049 to close
See the breakdown
Abbotsford
About $17,548 to close
See the breakdown
Coquitlam
About $20,049 to close
See the breakdown
Variable mortgages are quoted against this.
Fixed mortgage pricing follows this.
Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
Property transfer tax and the first-time buyer exemption are provincial rates, verified against gov.bc.ca on 2026-07-22. Legal, inspection, appraisal and title insurance are typical figures, not quotes. Median asking price comes from current displayable BCRES MLS® inventory, and this page recomputes daily. This is general information, not tax or legal advice.