Explore your numbers
Down Payment calculator
Calculate the standard minimum and compare it with your savings.
Your estimate
Planning estimates only. All dollar amounts are CAD. Rates shown are examples, not offers.
Assumptions & limits
Standard minimums are 5% on the first $500,000 and 10% above that for prices below $1.5 million. At $1.5 million or more, this tool uses 20%. Lenders may require more. Insurance eligibility, closing costs and the source of funds need a separate review.
References: FCAC down-payment guidance. Checked September 19, 2026.
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