@calmmoneycoach: HOW MUCH TO PUT DOWN CMHC Costs About $50 a Month. Everyone Told You to Avoid It. Everyone says get to 20 percent down and avoid CMHC. On a $500,000 house, CMHC costs about $50 a month. Getting to 20 percent means finding another $75,000 first. Here is the part that actually decides it. Every extra dollar of down payment earns you a guaranteed, tax free return exactly equal to your mortgage rate, because it is interest you never pay. Every dollar you keep invested earns more than that on average, and it is promised to nobody. Run the whole thing 4,000 times and the smaller down payment finishes ahead 48.8 percent of the time. The middle outcome is $1,615 behind. The best 5 percent are $194,675 ahead and the worst 5 percent are $69,301 behind. That is not a close call. That is a coin flip with a very long tail on both ends, and anyone telling you it is obvious has not run it. The calculator and the full guide are in my paid community. calmmoneycoach.com Which way did you go, and what was the market doing at the time?

Brian | Calm Money Coach

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Sunday 20 September 2026 16:58:27 GMT