Compare two down payments using the CMHC standard 25-year purchase schedule, checked September 8, 2026. Scope: eligible owner-occupied one- or two-unit home, traditional down payment, price equals lending value. This does not approve a loan.
At 20% or more down, this tool models conventional financing with no borrower-paid premium. Confirm actual lender treatment. Below 20%, the premium is financed exactly once. Payments assume nominal annual interest compounded semi-annually, 25 years, monthly payments. No taxes, closing costs, refund programmes, portability, 30-year amortization or non-traditional down payments included. No data leaves this page.