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Homees is a real estate technology platform and the brand of Team Homees, a team of registered real estate agents operating under Kigo Realty Inc., Brokerage. Homees is not itself a real estate brokerage. All trades in real estate are completed by Kigo Realty Inc., Brokerage.

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Down Payment Planner

How long to save - or where to find the money

Your savings plan

See when you'll cross each down-payment milestone.

Target home price
Saved so far
Saving per month
/mo
Investment return
% /yr
HISA, GIC, or FHSA growth.
To avoid CMHC (20% down)
4y 7m · Apr 2031
You'll need $120K for 20%
Minimum down ($35K)7m · Apr 2027
10% down1y 10m · Jul 2028
Saved so far$25K
Compounded monthly at your return rate
Your milestones
5%
Minimum down - $35K
Get in the door
7m · Apr 2027
10%
10% down - $60K
Smaller CMHC premium
1y 10m · Jul 2028
20%
20% down - $120K
No CMHC insurance
4y 7m · Apr 2031
Looking good

You’re in a strong position to buy.

A local Team Homees agent can turn these numbers into a real shortlist — and a winning offer.

RV
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Verified Homees agents · replies within 24h
No cost, no obligation
They see your full report
Local market expertise

Take your numbers with you

Download your savings timeline. Earns +50 IQ.

Assumes steady monthly saving and your stated return, compounded monthly. Guidance only.

Keep going

Your next 3 moves
Affordability Calculator

What price range does your down payment unlock?

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First-Time Buyer Toolkit

Stack your FHSA + HBP + rebates.

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