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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)
Contact Diane Richardson Easily With These Simple Steps:
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Contact Form: Use the contact form on my website to send me a direct message. Please include your name, email address, and a message, and I will respond as soon as possible.
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Phone Number: Call me directly at 403.397.3706 with any questions or to schedule viewings.
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Email Address: Reach out to me at Diane for any inquiries or to request additional information.
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Live Chat: Utilize the live chat feature on my website for real-time communication and immediate answers to your questions.
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!
173 Windgate Close SW
Airdrie
T4B 3T1
$645,000
Residential
beds: 4
baths: 3.0
1,952 sq. ft.
built: 2013
- Status:
- Sold
- Sold Date:
- Jun 27, 2024
- Listed Price:
- $669,900
- Sold Price:
- $645,000
- Sold in:
- 13 days
- Prop. Type:
- Residential
- MLS® Num:
- A2141501
- Bedrooms:
- 4
- Bathrooms:
- 3
- Year Built:
- 2013
- Property Type:
- Residential
- Property Sub Type:
- Detached
- Condo Type:
- Not a Condo
- Transaction Type:
- For Sale
- Possession:
- Other/See Remarks
- Suite:
- No
- Home Style:
- 2 Storey
- Total Living Area:
- 1,952.38 sq. ft.
- Main Level Finished Area:
- 853.49 sq. ft.
- Upper Level Finished Area:
- 1,098.89 sq. ft.
- Below Grade Finished Area:
- 717.05 sq. ft.
- Taxes:
- $3,851 / 2023
- Tax Assessed Value:
- 575000.0
- Lot Area:
- 4,335 sq. ft.
- Lot Frontage:
- 30'3"
- Front Exposure:
- South
- Levels:
- Two
- Total Rooms Above Grade:
- 7
- Year built:
- 2013 (Age: 11)
- Bedrooms:
- 4
- Bedrooms Above Grade:
- 3
- Bedrooms Below Grade:
- 1
- Bathrooms:
- 3.0 (Full:2, Half:1)
- Plan:
- 1213237
- Heating:
- Forced Air, Natural Gas
- Basement:
- Finished, Full
- Foundation:
- Poured Concrete
- New Constr.:
- No
- Construction Material:
- Stone, Vinyl Siding, Wood Frame, Wood Siding
- Structure Type:
- House
- Roof:
- Asphalt Shingle
- Ensuite:
- Yes
- Flooring:
- Carpet, Ceramic Tile, Laminate
- Cooling:
- Central Air
- Fireplaces:
- 2
- Fireplace Details:
- Electric, Gas
- Garage:
- 1
- Garage Spaces:
- 2
- Parking:
- Double Garage Attached
- Parking Places:
- 4.0
- Parking Total/Covered:
- 4 / -
- Laundry Features:
- Laundry Room, Upper Level
- Windsong
- Central Air Conditioner, Dishwasher, Dryer, Gas Stove, Microwave Hood Fan, Refrigerator, Washer, Window Coverings
- N/A
- None Known
- Floor
- Type
- Size
- Other
- Main Floor
- Foyer
- 9'10" × 5'3"
- Main Floor
- Dining Room
- 14'1" × 10'9"
- Main Floor
- Kitchen
- 14'1" × 13'10"
- Main Floor
- Living Room
- 15'1" × 14'3"
- Upper Level
- Laundry
- 9'3" × 5'6"
- Upper Level
- Bedroom - Primary
- 19'2" × 14'
- Upper Level
- Bedroom
- 10' × 9'11"
- Upper Level
- Bedroom
- 16'10" × 11'5"
- Basement
- Bedroom
- 11'1" × 9'10"
- Basement
- Game Room
- 28'10" × 13'8"
- Basement
- Storage
- 11'9" × 4'9"
- Basement
- Furnace/Utility Room
- 12'1" × 6'5"
- Floor
- Ensuite
- Pieces
- Other
- Main Floor
- No
- 2
- 5'4" x 5'3"
- Upper Level
- No
- 4
- 10'8" x 6'1"
- Upper Level
- Yes
- 5
- 9'3" x 10'3"
- Title to Land:
- Fee Simple
- Community Features:
- Schools Nearby, Shopping Nearby, Sidewalks, Street Lights
- Interior Features:
- Double Vanity, Kitchen Island, No Smoking Home, Pantry, Soaking Tub, Walk-In Closet(s)
- Exterior Features:
- None
- Patio And Porch Features:
- Deck, Front Porch
- Lot Features:
- Corner Lot, Landscaped, Level
- Num. of Parcels:
- 0
- Fencing:
- Fenced
- Region:
- Airdrie
- Zoning:
- R1-U
- Listed Date:
- Jun 14, 2024
- Days on Mkt:
- 13
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Front drive, side entrance. Only possible on a corner lot -
covered porch faces south
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main floor den currently used as dining room. Could be converted to a bedroom also
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- DIANE RICHARDSON
- CIR Realty
- 1 (403) 397 3706
- Diane@mypadCalgary.com
