Free Tool
Where are you buying?
US and Canadian mortgage systems are fundamentally different. Choose the right calculator for accurate results.
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United States
FHA · Conventional · Jumbo
- FHA (3.5% down), Conventional & Jumbo loans
- PMI auto-calculated for down payments < 20%
- 30-year fixed rate standard
- Immigrant newcomer programs (H1B, ITIN)
Open US Calculator →
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Canada
CMHC · Newcomer Programs
- CMHC insurance rolled into your mortgage
- 5-year fixed rate standard (semi-annual compounding)
- 25-year max amortization (insured loans)
- RBC, ICICI Canada & Scotiabank newcomer programs
Open Canada Calculator →
Not sure which applies? If you live in the US and are buying property there, choose US. If you moved to Canada or are buying property in Canada, choose Canada.