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This calculator allows you to plan your mortgage. It calculates payments based on your inputs and compares them against payments for minimum down payments and a 20% down payment. It also allows you to compare payments with your selected interest rate against a change in interest rates. The mortgage insurance payment is automatically calculated and added to the mortgage, when applicable. The calculator will return a $0 mortgage insurance payment for down payments of 20% or more. You have the option of quickly estimating or making a detailed calculation of purchasing closing costs, which includes an embedded calculator for the various provincial and municipal land transfer or similar taxes.