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Down Payment Analysis

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Home value allowed upto $1,000,000
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Must be at least minimum 5% of Home value
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Down Payment (Scenario) Planned Down Payment (Minimum) 10% 15% 20%
Total Down Payment
CMCH and Cost Of Borrowing In the First 5 Years
CMHC FEE or Default Insurance Premium
Mortgage Balance After Default Insurance Premium
Mortgage Payment Per Period( Ei. Per Month or Per Week)
Totals Interest Paid Over 5 Years
Interest Savings Over The Minimum Down Payment
Home Equity Analysis In The First 5 Years
Property Value In 5 Years
Mortgage Balance In 5 Years
Property Equity in 5 Years
If Down Payment Is Invested Instead
Starting Portfolio Balance
Regular Investments
Portfolio Balance After 5 Years
Net Worth
Property Equity in 5 Years
Portfolio Balance After 5 Years
Increase In Net Worth
CMHC SAVINGS
Monthly Payment Attributable to CMHC
Total Cost of Default Insurance Premium Payments (25 YEARS)
Present Value of Default Insurance Premium Payments
Planned Down Payment
Down Payment (Scenario) (Minimum) Planned Down Payment
Total Down Payment
CMCH and Cost Of Borrowing In the First 5 Years
CMHC FEE or Default Insurance Premium
Mortgage Balance After Default Insurance Premium
Mortgage Payment Per Period( Ei. Per Month or Per Week)
Totals Interest Paid Over 5 Years
Interest Savings Over The Minimum Down Payment
Home Equity Analysis In The First 5 Years
Property Value In 5 Years
Mortgage Balance In 5 Years
Property Equity in 5 Years
If Down Payment Is Invested Instead
Starting Portfolio Balance
Regular Investments
Portfolio Balance After 5 Years
Net Worth
Property Equity in 5 Years
Porfolio Balance After 5 Years
Net Worth After 5 Years
CMHC SAVINGS
Monthly Payment Attributable to CMHC
Total Cost of Default Insurance Premium Payments (25 YEARS)
Present Value of Default Insurance Premium Payments
10% Down Payment
Down Payment (Scenario) (Minimum) 10%
Total Down Payment
CMCH and Cost Of Borrowing In the First 5 Years
CMHC FEE or Default Insurance Premium
Mortgage Balance After Default Insurance Premium
Mortgage Payment Per Period( Ei. Per Month or Per Week)
Totals Interest Paid Over 5 Years
Interest Savings Over The Minimum Down Payment
Home Equity Analysis In The First 5 Years
Property Value In 5 Years
Mortgage Balance In 5 Years
Property Equity in 5 Years
If Down Payment Is Invested Instead
Starting Portfolio Balance
Regular Investments
Portfolio Balance After 5 Years
Net Worth
Property Equity in 5 Years
Portfolio Balance After 5 Years
Net Worth After 5 Years
CMHC SAVINGS
Monthly Payment Attributable to CMHC
Total Cost of Default Insurance Premium Payments (25 YEARS)
Present Value of Default Insurance Premium Payments
15% Down Payment
Down Payment (Scenario) (Minimum) 15%
Total Down Payment
CMCH and Cost Of Borrowing In the First 5 Years
CMHC FEE or Default Insurance Premium
Mortgage Balance After Default Insurance Premium
Mortgage Payment Per Period( Ei. Per Month or Per Week)
Totals Interest Paid Over 5 Years
Interest Savings Over The Minimum Down Payment
Home Equity Analysis In The First 5 Years
Property Value In 5 Years
Mortgage Balance In 5 Years
Property Equity in 5 Years
If Down Payment Is Invested Instead
Starting Portfolio Balance
Regular Investments
Portfolio Balance After 5 Years
Net Worth
Property Equity in 5 Years
Portfolio Balance After 5 Years
Net Worth After 5 Years
CMHC SAVINGS
Monthly Payment Attributable to CMHC
Total Cost of Default Insurance Premium Payments (25 YEARS)
Present Value of Default Insurance Premium Payments
20% Down Payment
Down Payment (Scenario) (Minimum) 20%
Total Down Payment
CMCH and Cost Of Borrowing In the First 5 Years
CMHC FEE or Default Insurance Premium
Mortgage Balance After Default Insurance Premium
Mortgage Payment Per Period( Ei. Per Month or Per Week)
Totals Interest Paid Over 5 Years
Interest Savings Over The Minimum Down Payment
Home Equity Analysis In The First 5 Years
Property Value In 5 Years
Mortgage Balance In 5 Years
Property Equity in 5 Years
If Down Payment Is Invested Instead
Starting Portfolio Balance
Regular Investments
Portfolio Balance After 5 Years
Net Worth
Property Equity in 5 Years
Portfolio Balance After 5 Years
Net Worth After 5 Years
CMHC SAVINGS
Monthly Payment Attributable to CMHC
Total Cost of Default Insurance Premium Payments (25 YEARS)
Present Value of Default Insurance Premium Payments
This site provides calculations for educational and exploration purposes. Though we do our best to provide updated and accurate information and calculations, we do not guarantee any results, calculations or other figures taken from this site. This public information cannot be relied upon as a source of financial advice and we are not liable for any decisions you make that could lead to losses or harm from using any information from this site. Always consult your own advisor.

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Hervin Pesa

Hervin Pesa is the founder of Aware Financial and is a Certified Financial Planner. He has helped hundreds of Canadians in their financial journey.

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He’s now focusing on this mission to make financial advice more accessible by creating free content covering all things, money.

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