Down payment and mortgage insurance
How much do I need to put down?
The smallest down payment for a price, and what default insurance would add.
Minimum down payments from the Government of Canada. Default insurance premiums from the Canada Mortgage and Housing Corporation (CMHC) premium table and CMHC Home Start. Checked September 30, 2026.
APR. OAC. Rates and information are for illustrative purposes only. Subject to change.
About the numbers
A calculator is a good place to start.
Each calculator works only from the numbers you enter, and every situation is a little different. If a result surprises you, or you’re not sure what it means for you, I’m happy to talk it through.
APR. OAC. Rates and information are for illustrative purposes only. Subject to change.
Have a question about the numbers?
Ask me anything. I’ll explain how it works and what the next step would be, at your pace. When you’re ready, the application is where it starts, and I’ll guide you from there.
Or call or text me at 902-213-8844.