Calculate before making an offer
Use the full threshold calculation in the down-payment guide. Keep closing costs and emergency reserves outside your deposit and down-payment budget.
Ask for written confirmation
Confirm intended occupancy, property eligibility, insurance premium and available amortization with your lender or mortgage professional. Do not remove financing protection solely because an online calculator shows an affordable payment.
Official sources
Sources checked September 5, 2026. Confirm the current requirements and your own documents before acting.
See the full down-payment calculation and example
Apply this to your property
Bring the address or area, property type, decision and deadline. Do not send identity documents, bank details or confidential agreements through a general enquiry.
Ask a Calgary questionRELATED GUIDES / Buying & financing
Check your financing for the specific property.
A pre-approval is not final financing. Confirm the property, appraisal, insurer, cash to close and lender conditions before deciding whether to remove a financing condition. A planning score cannot authorize a purchase.
Official verification: FCAC: getting pre-approved for a mortgage ↗
Affiliated network resources provide context. Confirm rules, approvals and property records with the responsible authority.