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Mortgage loan insurance premium calculator

Whether you're a first-time homebuyer or refinancing, mortgage loan insurance may be required. Use our calculator to estimate your premium by entering your desired home price and down payment amount. This will give you a clear understanding of your CMHC insurance costs.

IMPORTANT
CMHC mortgage loan insurance is available for amortization periods of up to 30 years if you are a first-time homebuyer or purchasing a new build.

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NOTES:

  • This calculator automatically includes premiums for down payments under 20% for homes priced below $1,500,000.
  • This calculation does not consider non-traditional payment methods for the premium calculator.

Disclaimer

This calculator is for illustrative purposes only. Users should not rely on this calculator to make any financial decisions. While every effort is made to keep this tool up-to-date, CMHC does not guarantee the accuracy, reliability or completeness of any information or calculations provided by this calculator. CMHC is not liable for loss or damage of any kind arising from the use of this tool.

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