First-Time Home Buyer Calculator 2026 | Down Payment & Costs
Free 2026 Canada First-Time Home Buyer Calculator. Estimate down payment, CMHC insurance, closing costs, land transfer tax, monthly payments, and affordability. Includes FHSA, RRSP Home Buyers' Plan, and provincial rebates.
Updated for 2026
By the GlobalCalqulate team, founded by Pavan Kusunuri · About our editorial standards
Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
What is CMHC insurance?
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What is CMHC insurance?
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Canada Mortgage and Housing Corporation (CMHC) insurance is required when down payment is less than 20%. It protects the lender if you default, and the cost is added to your mortgage.
What are closing costs?
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What are closing costs?
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Closing costs include land transfer tax, legal fees, property inspections, title insurance, and property tax adjustments - typically 3-4% of home price.
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