Beyond the down payment, budget for legal fees of $800 to $1,500, a home inspection at $400 to $600, and CMHC, Sagen or Canada Guaranty mortgage insurance if your down payment is under 20 percent, with Saskatchewan charging PST on that insurance premium at closing.
Lenders also weigh a property's projected rental income differently than an owner-occupied purchase, which can change how much cash you personally need to bring versus what the mortgage will cover.
A hand-reviewed valuation on the specific property is the clearest way to know your real number. Get your hand-reviewed valuation from Joel Dyck.