CMHC Insurance Calculator

The CMHC Insurance Calculator is used to calculate the amount of insurance you have to pay if your downpayment is less than 20%. Use the calculator below to calculate your insurance premium.

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How the CMHC insurance calculator works

The CMHC calculator figures out how much insurance premium you have to pay. Here is how CMHC insurance premiums are calculated for purchase down payments less than 20%:

Loan-to-Value
Premium on Total Loan Premium on Increase to Loan Amount for Portability and Refinance
Up to and including 65% 0.60% 0.60%
Up to and including 75% 0.75% 2.60%
Up to and including 80% 1.25% 3.15%
Up to and including 85% 1.80% 4.00%*
Up to and including 90% 2.40% 4.90%*
Up to and including 95% 3.60% 5.65%*
90.01% to 95% —
Non-Traditional Down Payment**
3.85% *

(Source: CMHC)