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CMHC Insurance Calculator

Estimate CMHC mortgage default insurance premium, sales tax on the premium at closing and total mortgage when your down payment is under 20%. Simplified standard premiums.

Your details

Instant result — 2026 defaults filled, edit anything. All fields are prefilled with the 2026 Canada defaults and the result shows instantly. Change any field and it recalculates instantly. Reset restores the 2026 defaults.

Home price ($)Prefilled with the 2026 default — edit if you want, e.g. 500000.

Down payment ($)Prefilled with the 2026 default — edit if you want, e.g. 25000.

CMHC premium rate (%) — 0 = use standard tableDefault: 0% — you can change it.

Sales tax on premium at closing (%)Default: 8% — you can change it.

Your results

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Calculated with the 2026 Canada rules shown on this page. This is not tax, legal or financial advice, and not an official CRA / Service Canada determination.

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About CMHC Insurance Calculator

Estimate CMHC mortgage default insurance premium, sales tax on the premium at closing and total mortgage when your down payment is under 20%. Simplified standard premiums. The result appears instantly with the 2026 defaults filled in — edit anything you want.

FAQs

What does this calculator do?

Estimate CMHC mortgage default insurance premium, sales tax on the premium at closing and total mortgage when your down payment is under 20%. Simplified standard premiums.

How do I use it?

The result appears instantly with the 2026 defaults filled in — edit any field and it updates instantly, with no signup.

Is the result official?

No. This is a calculator estimate based on the 2026 rules shown on this page, not an official CRA / Service Canada determination. Check official rules for your case.

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