CMHC Intelligence
The Magic Threshold Optimizer
A tiny increase in your down payment can trigger a lower insurance bracket, saving you thousands instantly.
$500,000
$25,000
Current Premium
$19,000
4.00% of loan
Total Loan Cost
$494,000
Includes premium
Next Magic Threshold: 10%
Add this amount:
+$25,000
To instantly save:
$5,050
"Investing $25,000 more into your down payment yields a 20.2% immediate return."
Why this matters
Brackets are rigid. Being 0.01% under a tier doubles your premium.
Premiums are added to the loan and cost interest for 25 years.
Full Guide