DFIRST-TIME BUYERS · INVESTORS · Down-payment calculator
Put 5% down and invest the rest — or go full 20%? Run the 10-year math.
CMHC premiums baked in (4.0% at 5%, 3.1% at 10%, 2.8% at 15%). Opportunity cost compounds at your chosen index return.
Your numbersUpdates as you change them
$450,000
5% · $22,500
The 'low-down' path you'd actually use
7.0%
Long-run global equity avg: ~7%
10 yr
Your resultCalculated now
WINNER
Minimal Down + Invest wins
Net worth advantage: $11,162 after 10 yr
Minimal-down path (5%)$420,193
Full 20% down path$409,031
Cash freed for investing$67,500
CMHC premium (4.0%)$17,100
Investment value (compounded)$132,783
Minimal-down monthly payment$2,548/mo
Full-down monthly payment$2,063/mo
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