Confirm Canadian minimum down payment rules for your purchase scenario.
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Calculate the minimum down payment based on purchase price and property type.
Use it alongside insurer premiums to understand total cash requirements.
$650k purchase
Calculate the required down payment and insurance impact.
$1.2M purchase
See how the 20% down rule applies above $1M.
Pair the calculator output with the right buyer guide, then pressure-test lender fit, down payment, and closing-day cash before you make an offer.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
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Yes, with a signed gift letter and proof of deposit.
No. Closing costs are separate and must be added to your cash plan.
Yes. Investment properties often require higher down payments.