CMHC / Mortgage Default Insurance Calculator
Estimate loan-to-value, default insurance requirement, premium rate, premium amount, and insured mortgage amount.
Who it helps: Buyers, first-time buyers, Realtors, and mortgage brokers
Decision: Will this down payment trigger mortgage insurance, and how much could it add?
Estimate details
Default scenario loaded. Adjust the assumptions below to match the property, client, or decision.
Tap a scenario to preload realistic assumptions, then tune the numbers for the specific property or client.
CMHC / Mortgage Default Insurance Calculator helps buyers, first-time buyers, realtors, and mortgage brokers decide: Will this down payment trigger mortgage insurance, and how much could it add? It provides a transparent educational estimate with assumptions, warnings, source citations where applicable, and next steps for professional review.
How this tool should be used
Treat the output as a planning estimate. The useful number is the decision it unlocks: affordability range, cash needed, seller walkaway proceeds, investment risk, or marketing copy that is ready for human review.
Frequently asked questions
What is the CMHC / Mortgage Default Insurance Calculator?
CMHC / Mortgage Default Insurance Calculator is a Canadian real estate planning tool for buyers, first-time buyers, realtors, and mortgage brokers. It helps answer: Will this down payment trigger mortgage insurance, and how much could it add?
Are the results guaranteed?
No. Results are educational estimates only and are not legal, tax, mortgage, appraisal, accounting, investment, or financial advice. Confirm all numbers with qualified professionals.
Does this tool use Canadian assumptions?
Yes. The platform is designed for Canada-first calculations, province-aware source metadata, Canadian terminology, and rule freshness tracking.
Can I export or save the result?
The free workflow includes email and PDF-style report calls to action. Saved report storage and account dashboards can be layered on later without changing the public calculators.