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1. In BC, you will need to have at least a 5% down payment for purchase prices under $500,000. For houses between $500,000 and $1,000,000, your minimum down payment is 5% on the first 500k, and 10% on the remaining amount. Finally, for houses over $1,000,000, your minimum down payment is 20%. When calculating how much of a down payment you may need, the WOWA downpayment calculator can be helpful. 2. In order to meet the credit score requirements for obtaining an insured mortgage loan, your credit score needs to be at least 680 . 3. You can find out how much you can afford using the WOWA affordability Calculator.
