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CMHC Mortgage Insurance Calculator

Estimate your mortgage default-insurance premium when your down payment is under 20%.

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Default insurance (CMHC / Sagen / Canada Guaranty) is required when your down payment is under 20%. The premium is added to your mortgage. Rates as of 2025.

Estimate only. This calculator provides estimates only and is not financial, mortgage or lending advice. Actual figures depend on your lender, credit and current rates. Confirm details with a qualified professional. See our Terms.

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