Closing day is the final (and most exciting!) step in any Calgary real estate transaction — but it can also be stressful if you’re not prepared. Whether you’re buying or selling, having a clear closing checklist ensures a smooth, stress-free handoff and helps you avoid last-minute surprises.
This guide outlines the ultimate Calgary closing checklist, packed with expert steps, local resources, and essential documents you'll need.
Why the Closing Process Matters in Calgary
Calgary’s real estate market continues to evolve, and regulations can differ from other provinces. Understanding the specific closing requirements in Alberta protects you legally and financially while ensuring every detail is handled correctly.
For additional context on the closing process in Alberta, check out:
Government of Alberta – Buying & Selling a Home: https://www.alberta.ca/buying-and-selling-home
RECA – Real Estate Council of Alberta: https://www.reca.ca/
✔️ The Perfect Closing Checklist
1. Confirm All Contract Conditions Are Met
Before closing, ensure all contract terms have been completed, such as:
Home inspection
Financing approval
Condo document review (if buying a condo)
Sale of buyer’s current property (if applicable)
Learn more:
What’s included in a home inspection: https://www.cmhc-schl.gc.ca/en/buying/home-inspection
Condo document expectations in Alberta (RECA): https://www.reca.ca/consumers/condominiums/
2. Finalize Your Mortgage or Financing
Buyers must have mortgage documents fully signed and submitted to their lender. Sellers should ensure mortgage payout statements are issued on time.
Helpful resource:
CMHC Mortgage Information: https://www.cmhc-schl.gc.ca/
3. Hire Your Real Estate Lawyer Early
In Calgary, lawyers handle essential closing tasks:
Title transfer
Mortgage registration
Trust fund transfers
Final statement of adjustments
Find a lawyer or learn more:
Law Society of Alberta Directory: https://www.lawsociety.ab.ca/for-the-public/directory/
4. Prepare Your Closing Funds (Buyers)
Buyers will need:
Down payment
Legal fees
Title insurance (if applicable)
Adjustments such as taxes, condo fees, or utilities
Your lawyer will provide the exact amount in the trust letter.
5. Review the Statement of Adjustments
This document outlines all closing costs and credits for both parties. Common adjustments include:
Property taxes
Condo fees
Prepaid utilities
Rental agreements (e.g., hot water tank)
More on property taxes:
City of Calgary Taxes: https://www.calgary.ca/property-tax.html
6. Complete the Final Walkthrough (Buyers)
Typically done 24–48 hours before possession, verify that:
Property is in the same condition as when you purchased it
Items included in the sale are still present
No damage has occurred since inspection
7. Transfer Utilities and Home Services
Both buyers and sellers need to update:
Electricity
Gas
Water
Internet & cable
Home insurance
Useful links:
ENMAX: https://www.enmax.com
Direct Energy: https://www.directenergy.ca/
City of Calgary Water Services: https://www.calgary.ca/water
8. Possession Day Steps
For Buyers:
Receive keys from your REALTOR® after confirmation from your lawyer
Check all appliances & fixtures
Take meter readings
Change locks (recommended)
For Sellers:
Clean the property
Remove all belongings
Leave keys, remotes, manuals, and any necessary documents
Send final meter readings
9. Keep All Closing Documents Organized
Important items to save:
Purchase contract
Title transfer documents
Mortgage paperwork
Lawyer’s statement of adjustments
Home inspection report
Condo bylaws & AGM minutes (if applicable)
Digital and physical storage is recommended.
Final Thoughts
Whether you're buying or selling, the closing process in Calgary doesn’t have to be overwhelming. With a detailed checklist and the right professionals on your side, you can transition smoothly into the next chapter of your real estate journey.
If you need help navigating your closing or want expert support for your next move, I’m here to help. Reach out anytime — let’s make your closing day seamless and stress-free!
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