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How Much You Can Afford When Applying For A Mortgage

In Canada, the minimum down payment requirements can impact how much you can afford when applying for a mortgage. These rules dictate that the minimum down payment must be:

  • 5% of the purchase price for homes up to $500,000
  • 10% of the purchase price for any amount between $500,000 and $1 million
  • 20% of the purchase price for homes over $1 million.

For example, if you have saved $15,000 for a down payment, the maximum home price you can afford would be $300,000 ($15,000 divided by 5%). However, if your down payment was $30,000, your maximum affordability would increase to $550,000. You can use our mortgage affordability calculator to run the numbers yourself and determine what price range would be suitable for your budget. However, some lenders may require a higher down payment depending on your credit score, employment history, and other factors. It's important to speak with a mortgage lender (I can help with this)to get a more accurate estimate of your down payment requirements.(Loanscanada.ca)

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When contacting me, please ensure to include the property address or MLS® number for the listing you are interested in. I look forward to hearing from you!

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598 Seton Circle SE
Seton Calgary T3M 3Y5

$507,010
Residential beds: 3 baths: 3.0 1,341 sq. ft. built: 2025

*Rendering only for marketing purposes, actual design and finishings on site may differ
Photo 1: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 2: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 3: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 4: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 5: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 6: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 7: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 8: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 9: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 10: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 11: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 12: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 13: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 14: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 15: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 16: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 17: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Photo 18: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2178429
Bedrooms:
3
Bathrooms:
3
Year Built:
2025
Welcome to the Birch by Rohit Homes—a stunning 1,341 sq. ft. townhome nestled in Calgary’s vibrant Seton community. This 3-bedroom, 2.5-bath home with a double attached garage is thoughtfully crafted to offer both luxury and functionality, making it an ideal choice for families, professionals, and anyone who values refined living. Step inside to experience a Neo-Classical Revival interior by acclaimed designer Louis Duncan-He, bringing an air of timeless elegance and sophistication. This designer interior is all about timeless classic style, combining poised charm with luxurious finishes to create a space that feels both welcoming and exquisite. From the spacious kitchen with a full-size pantry to carefully selected finishes, every detail is designed to impress. On the main floor, a large kitchen flows into an open dining area with access to a private balcony, perfect for enjoying outdoor dining or a quiet morning coffee. Upstairs, the primary suite serves as a true retreat with its own balcony, a 3-piece ensuite, and a walk-in closet. Additional upper-level conveniences include two well-appointed bedrooms, a full bath, and an upper-floor laundry room for easy living. Seton offers unmatched access to amenities that truly make it The Heart of the South. Within walking distance, you’ll find a 365-acre Urban District filled with dining, shopping, a hotel, and the South Health Campus. This vibrant community also boasts the world’s largest YMCA, complete with ice rinks, pools, fitness centers, and a public library. With a high school already in place and four more schools planned, Seton is thoughtfully designed for every stage of life. Don’t miss this exceptional opportunity to experience elevated living in Calgary’s Community of the Year! Contact us today to book your private tour and see for yourself why the Birch in Seton could be your perfect next home.
Property Type:
Residential
Property Sub Type:
Row/Townhouse
Condo Type:
Conventional Condo
Transaction Type:
For Sale
Possession:
Possession Date:
Suite:
No
Home Style:
3 Storey
Total Living Area:
1,341 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Taxes:
Tax Assessed Value:
Condo Fee:
$231.00
Condo Fee Includes:
Common Area Maintenance
HOA Fee Frequency:
Annually
HOA Fee Includes:
Acres Cleared:
Acres Cultivated:
Acres Irrigated:
Acres Leasehold:
Acres Not Cultivated:
Acres Freehold:
Acres Seeded:
Acres Tame Hay:
Acres Treed:
Acres Waste:
Acres Water Rights:
Front Exposure:
East
Reg. Size:
Reg. Size Includes:
Unit Exposure:
East
Entry Level:
1
Levels:
Two
End Unit:
2+ Common Walls
Total Rooms Above Grade:
6
Year built:
2025 (Age: -)
Bedrooms:
3 (Above Grd: 3)
Bedrooms Above Grade:
3
Bedrooms Below Grade:
0
Bathrooms:
3.0 (Full:2, Half:1)
Plan:
2411085;E
Heating:
Forced Air
Basement:
None
Foundation:
Poured Concrete
New Constr.:
Yes
Construction Material:
Concrete, Wood Frame
Structure Type:
Other
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Vinyl
Cooling:
None
Fireplaces:
0
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Attached
Parking Places:
2.0
Parking Total/Covered:
2 / -
Laundry Features:
In Unit
HOA Fee:
$375.00
Condo Fee Frequency:
Monthly
Z-name Not Listed
Seton
Park
Dishwasher, Electric Range, Microwave, Refrigerator, Washer/Dryer
N/A
None Known
Restrictions
Floor
Type
Size
Other
Main Floor
Dining Room
15'5" × 9'
Main Floor
Kitchen
15'5" × 8'1"
Main Floor
Living Room
13'6" × 12'1"
Upper Level
Bedroom - Primary
11'4" × 9'7"
Upper Level
Bedroom
9' × 8'5"
Upper Level
Bedroom
10'7" × 8'11"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
5'2" x 5'3"
Upper Level
Yes
3
5'1" x 8'6"
Upper Level
No
3
5' x 8'5"
Title to Land:
Leasehold
Community Features:
Clubhouse, Park, Playground, Shopping Nearby, Sidewalks, Street Lights
Interior Features:
Kitchen Island, No Animal Home, No Smoking Home, Open Floorplan, Pantry, Quartz Counters, Vinyl Windows, Walk-In Closet(s)
Exterior Features:
Balcony
Patio And Porch Features:
Balcony(s)
Lot Features:
Other
Num. of Parcels:
0
Fencing:
None
Region:
Calgary
Zone:
CAL Zone SE
Zoning:
DC
Listed Date:
Nov 08, 2024
Days on Mkt:
  • Photo 1: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Rendering only for marketing purposes, actual design and finishings on site may differ
  • Photo 2: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 3: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 4: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 5: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 6: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 7: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 8: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 9: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 10: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 11: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 12: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 13: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    *Photos are of a model home of the same layout but interior finishings will differ - contact agents for more information
  • Photo 14: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    Interior colours selected for this home - photo for marketing purposes, actual colours may differ on site
  • Photo 15: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    Photo 15 of 18
  • Photo 16: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    Photo 16 of 18
  • Photo 17: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    Photo 17 of 18
  • Photo 18: 598 Seton Circle SE in Calgary: Seton Row/Townhouse for sale : MLS®# A2178429
    Photo 18 of 18
Listed by eXp Realty
Data was last updated November 14, 2024 at 05:30 AM (UTC)
Area Statistics
Listings on market:
89
Avg list price:
$474,900
Min list price:
$250,000
Max list price:
$1,187,900
Avg days on market:
26
Min days on market:
4
Max days on market:
156
Avg price per sq.ft.:
$426.07
These statistics are generated based on the current listing's property type and located in Seton. Average values are derived using median calculations.
Diane Richardson
Cell: 403-397-3706