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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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5013 21A Street SW
Altadore Calgary T2T 5C4

$892,000
Residential beds: 4 baths: 4.0 1,834 sq. ft. built: 2012

Main Photo: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 1: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 2: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 3: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 4: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 5: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 6: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 7: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 8: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 9: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 10: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 11: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 12: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 13: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 14: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 15: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 16: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 17: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 18: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 19: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 20: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 21: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 22: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 23: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 24: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 25: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 26: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 27: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 28: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 29: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 30: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 31: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 32: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 33: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 34: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 35: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 36: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 37: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 38: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 39: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 40: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 41: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 42: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 43: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 44: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 45: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 46: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 47: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 48: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 49: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Photo 50: 5013 21A Street SW in Calgary: Altadore Semi Detached (Half Duplex) for sale : MLS®# A2137829
Status:
Sold
Sold Date:
Jun 25, 2024
Listed Price:
$899,900
Sold Price:
$892,000
Sold in:
21 days
Prop. Type:
Residential
MLS® Num:
A2137829
Bedrooms:
4
Bathrooms:
4
Year Built:
2012
Located on a serene street in the highly desirable neighborhood of Altadore, this stunning 3+1 bedroom, energy-efficient family home with WEST FACING BACK YARD boasts nearly 2700 sq ft of living space. The main level features gleaming hardwood floors, lofty ceilings, and is bathed in light from recessed lighting and elegant fixtures. The open-concept layout highlights a beautiful kitchen with granite countertops, a central island with an eating bar, ample storage including a pantry, stainless steel appliances, and a casual dining area perfect for family gatherings or dinner parties. The spacious living room, complete with a floor-to-ceiling feature fireplace and built-ins, seamlessly connects to the kitchen. Just off the foyer, a cozy den/office with a window seat offers an ideal space for working from home. Additionally, a convenient mudroom and a stylish 2-piece powder room complete the main level. Upstairs, the second level is home to 3 bedrooms, a 4-piece bathroom, and a laundry room. The primary bedroom, with its vaulted ceiling, features a walk-in closet and a luxurious 5-piece ensuite with dual sinks, large vanity, relaxing soaker tub, and a soothing steam shower with a rainfall showerhead. The fully developed basement, equipped with in-floor heating, offers a spacious family/media room with a wet bar, a fourth bedroom, and a 3-piece bathroom. Notable features of this home include central air conditioning, built-in ceiling speakers, extra insulation, solid core doors, and a high-efficiency furnace. Outside, enjoy the sunny west-facing backyard with a deck and access to the double detached garage. This home is conveniently located just a short walk from Glenmore Athletic Park, top-rated schools, parks, shopping, and provides easy access to Crowchild Trail.
Property Type:
Residential
Property Sub Type:
Semi Detached (Half Duplex)
Condo Type:
Not a Condo
Transaction Type:
For Sale
Possession Date:
Jul 05, 2024
Suite:
No
Home Style:
2 Storey, Side by Side
Total Living Area:
1,833.66 sq. ft.
Main Level Finished Area:
893.33 sq. ft.
Upper Level Finished Area:
940.33 sq. ft.
Below Grade Finished Area:
842.55 sq. ft.
Taxes:
$5,382 / 2023
Lot Area:
3,003 sq. ft.
Lot Frontage:
25'
Front Exposure:
East
Entry Level:
1
Levels:
Two
End Unit:
1 Common Wall
Total Rooms Above Grade:
8
Year built:
2012 (Age: 12)
Bedrooms:
4
Bedrooms Above Grade:
3
Bedrooms Below Grade:
1
Bathrooms:
4.0 (Full:3, Half:1)
Plan:
1952AD
Heating:
Forced Air, Natural Gas
Basement:
Finished, Full
Foundation:
Poured Concrete
New Constr.:
No
Construction Material:
Composite Siding, Stone, Stucco, Wood Frame
Structure Type:
Duplex
Roof:
Asphalt Shingle
Ensuite:
Yes
Flooring:
Carpet, Ceramic Tile, Hardwood
Cooling:
Central Air
Fireplaces:
1
Fireplace Details:
Gas
Garage:
1
Garage Spaces:
2
Parking:
Double Garage Detached
Parking Places:
2.0
Parking Total/Covered:
2 / -
Laundry Features:
Laundry Room, Upper Level
Altadore
Central Air Conditioner, Dishwasher, Dryer, Garage Control(s), Gas Stove, Microwave, Range Hood, Refrigerator, Washer, Water Softener, Window Coverings, Wine Refrigerator
Second microwave.
None Known
Floor
Type
Size
Other
Main Floor
Kitchen
13' × 9'8"
Main Floor
Dining Room
12'11" × 10'3"
Main Floor
Living Room
20' × 11'
Main Floor
Foyer
5'4" × 4'11"
Main Floor
Den
12' × 11'6"
Main Floor
Mud Room
6'6" × 3'7"
Upper Level
Bedroom - Primary
15' × 11'
Upper Level
Bedroom
12' × 9'8"
Upper Level
Bedroom
11'3" × 9'5"
Upper Level
Laundry
6'5" × 6'5"
Basement
Bedroom
11' × 10'10"
Basement
Family Room
21' × 19'
Floor
Ensuite
Pieces
Other
Main Floor
No
2
0' x 0'
Upper Level
No
5
0' x 0'
Upper Level
Yes
5
0' x 0'
Basement
No
3
0' x 0'
Title to Land:
Fee Simple
Community Features:
Golf, Park, Playground, Pool, Schools Nearby, Shopping Nearby, Sidewalks
Interior Features:
Bookcases, Breakfast Bar, Built-in Features, Closet Organizers, Double Vanity, Granite Counters, High Ceilings, Kitchen Island, Pantry, Recessed Lighting, Soaking Tub, Vaulted Ceiling(s), Walk-In Closet(s), Wired for Sound
Exterior Features:
Courtyard, Private Entrance
Patio And Porch Features:
Deck, Patio
Lot Features:
Back Lane, Back Yard, Fruit Trees/Shrub(s), Front Yard, Landscaped, Rectangular Lot, Treed
Num. of Parcels:
0
Fencing:
Fenced
Region:
Calgary
Zone:
CAL Zone CC
Zoning:
R-C2
Listed Date:
Jun 04, 2024
Days on Mkt:
21
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Listed by RE/MAX Real Estate (Central)
Data was last updated June 26, 2024 at 08:05 PM (UTC)
Diane Richardson
Cell: 403-397-3706