Mortgage Calculator

Mortgage Calculator

Payments, CMHC insurance, what you can afford, and your cash to close. Updated for 2026 rules.

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Monthly mortgage payment
$0
Total mortgage
$0
CMHC insurance
$0
Total monthly cost
$0
Mortgage free in
0 yrs

Lifetime cost

Principal Interest

Mortgage balance over time

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You could afford a home up to
$0
Mortgage amount
$0
Monthly payment
$0
Stress test rate
0%
Limited by
Income

Debt service ratios at this price

GDS (housing costs ÷ income, max 39%)0%
TDS (all debts ÷ income, max 44%)0%
Uses the purchase price and down payment from the Mortgage Payment tab:
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Total cash needed to close
$0

Estimates only, for illustration. Assumes Canadian semi-annual compounding, CMHC premiums (4.00% / 3.10% / 2.80%, plus 0.20% for 30-year insured amortization), the $1.5M insured price cap, the stress test (greater of your rate + 2% or 5.25%), and Ontario and Toronto land transfer tax rates in effect October 2026. Actual figures depend on your lender, lawyer and property.

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