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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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New Construction Homes for sale under $300,000 in Calgary, AlbertaApplewood Park
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1613 32 Avenue SW
South Calgary Calgary T2T 1V8

$1,519,000
Residential beds: 4 baths: 5.0 2,853 sq. ft. built: 2024

Main Photo: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Photo 1: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Photo 2: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Photo 3: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Photo 4: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Photo 5: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Photo 6: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
Status:
Active
Prop. Type:
Residential
MLS® Num:
A2177993
Bedrooms:
4
Bathrooms:
5
Year Built:
2024
Located in the highly sought-after community of South Calgary, 1613 32 Ave SW is a stunning modern 3 level home that offers a perfect blend of luxury, style, and functionality. Upon entry, you are welcomed into a spacious formal dining room and a convenient walk-in closet. The gourmet kitchen is a chef's dream, featuring a massive island, sleek quartz countertops, top-tier appliances, and custom ceiling-height cabinetry. The open-concept living room boasts a gas fireplace with built-ins, and patio doors lead to the back deck for seamless indoor-outdoor living and a buil-in desk. The main level also includes a mudroom and powder room. Upstairs, the primary bedroom offers a luxurious retreat with an ensuite bathroom featuring a walk-in shower, soaking tub, dual vanity, and in-floor heating, plus a large walk-in closet. The second bedroom has a walk-in closet and is connected to a full bathroom, while a built-in desk in the hallway adds functionality. The upper level also features a laundry room for convenience. The loft level is designed for entertaining with a bright living area that opens to a private balcony with stunning views, a wet bar, and a primary bedroom with an ensuite bathroom and dual walk-in closets—one for her and one for him. The fully finished basement includes a huge rec room with a built-in media center and wet bar, plus an office/gym, storage under the stairs, a full bathroom, and an additional bedroom with a walk-in closet. Outside, a double-detached garage offers secure parking and extra storage. This home provides the perfect combination of modern design, luxury finishes, and a prime location close to parks, shops, restaurants, and top-rated schools. Don’t miss the chance to make this exceptional property yours! House is under construction and will be completed in 3-4 weeks.
Property Type:
Residential
Property Sub Type:
Semi Detached (Half Duplex)
Condo Type:
Not a Condo
Transaction Type:
For Sale
Possession:
Possession Date:
Suite:
No
Home Style:
3 Storey, Side by Side
Total Living Area:
2,853.3 sq. ft.
Main Level Finished Area:
993.3 sq. ft.
Upper Level Finished Area:
1,860 sq. ft.
Lower Level Finished Area:
Above Grade Finished Area:
Below Grade Finished Area:
828.7 sq. ft.
Taxes:
Tax Assessed Value:
HOA Fee Includes:
Lot Area:
3,122 sq. ft.
Lot Frontage:
25'
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:
North
Reg. Size:
Reg. Size Includes:
Entry Level:
1
Levels:
Three Or More
End Unit:
1 Common Wall
Total Rooms Above Grade:
8
Year built:
2024 (Age: 0)
Bedrooms:
4 (Above Grd: 3)
Bedrooms Above Grade:
3
Bedrooms Below Grade:
1
Bathrooms:
5.0 (Full:4, Half:1)
Plan:
4479P
Heating:
Forced Air
Basement:
Finished, Full
Foundation:
Poured Concrete
New Constr.:
Yes
Construction Material:
Cement Fiber Board, Stucco
Structure Type:
Duplex
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Hardwood, Tile
Cooling:
Rough-In
Fireplaces:
1
Fireplace Details:
Gas
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Detached
Parking Places:
2.0
Parking Total/Covered:
2 / -
Laundry Features:
Upper Level
South Calgary
Dishwasher, Garage Control(s), Microwave, Range Hood, Refrigerator, Stove(s)
None
None Known
Floor
Type
Size
Other
Main Floor
Entrance
6'8" × 5'4"
Main Floor
Dining Room
13'10" × 13'6"
Main Floor
Office
6'5" × 5'6"
Main Floor
Kitchen
16'1" × 13'4"
Main Floor
Mud Room
8' × 5'1"
Main Floor
Other
20'8" × 10'
Upper Level
Bedroom
14' × 12'10"
Upper Level
Walk-In Closet
9'3" × 7'2"
Upper Level
Laundry
9'3" × 5'8"
Upper Level
Bedroom
14'10" × 12'10"
Upper Level
Walk-In Closet
9'3" × 7'
2nd Floor
Bedroom - Primary
14' × 12'
2nd Floor
Walk-In Closet
13'9" × 5'9"
2nd Floor
Bonus Room
20'1" × 10'4"
2nd Floor
Balcony
16' × 10'
Basement
Game Room
18'10" × 16'
Basement
Exercise Room
11'3" × 8'8"
Basement
Walk-In Closet
13'7" × 6'
Basement
Bedroom
12'5" × 12'
Basement
Other
5' × 2'2"
Floor
Ensuite
Pieces
Other
Main Floor
No
2
5'1" x 5'
Upper Level
Yes
5
16'4" x 6'10"
Upper Level
Yes
5
16'4" x 6'1"
2nd Floor
Yes
5
12'4" x 10'
Basement
No
4
5' x 8'7"
Title to Land:
Fee Simple
Community Features:
Park, Playground, Schools Nearby, Shopping Nearby, Sidewalks, Walking/Bike Paths
Interior Features:
Built-in Features, Chandelier, Closet Organizers, Double Vanity, High Ceilings, Kitchen Island, Natural Woodwork, No Animal Home, No Smoking Home, Quartz Counters, Soaking Tub, Walk-In Closet(s)
Exterior Features:
Other
Patio And Porch Features:
Deck
Lot Features:
Back Lane, Back Yard, Landscaped, Street Lighting, Rectangular Lot
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone CC
Zoning:
R-C2
Listed Date:
Nov 08, 2024
Days on Mkt:
  • Photo 1: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
    Photo 1 of 6
  • Photo 2: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
    Photo 2 of 6
  • Photo 3: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
    Basement floor plan
  • Photo 4: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
    Main Floor plan
  • Photo 5: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
    Upper floor plan
  • Photo 6: 1613 32 Avenue SW in Calgary: South Calgary Semi Detached (Half Duplex) for sale : MLS®# A2177993
    Loft floor plan
Larger map options:
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Listed by eXp Realty
Data was last updated November 14, 2024 at 05:30 AM (UTC)
Area Statistics
Listings on market:
37
Avg list price:
$650,000
Min list price:
$235,000
Max list price:
$2,395,000
Avg days on market:
48
Min days on market:
1
Max days on market:
224
Avg price per sq.ft.:
$451.12
These statistics are generated based on the current listing's property type and located in South Calgary. Average values are derived using median calculations.
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Data is supplied by Pillar 9™ MLS® System. Pillar 9™ is the owner of the copyright in its MLS®System. Data is deemed reliable but is not guaranteed accurate by Pillar 9™.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
Diane Richardson
Cell: 403-397-3706