Detached Bungalow on large lot in quiet, mature neighbourhood. Hardwood on main level, 2 Beds, 2 Baths. Large eat-in Kitchen with door to deck and beautifully private backyard. Fully fenced. Fully finished Basement with 3-Pc Bath & Laundry. Oversized Garage that has room for a Shop or "Mancave". Patterned concrete front steps and great curb appeal. Close to Schools, Shopping & Transit. Perfect for first time buyer or retirees.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,582
- Property tax
- $392
- Heat allowance
- $150
- Housing costs
- $4,125 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$127,000
gross annual household income
- Payment at 4%
- $2,945 / mo
- Cash down
- $139,980
Assumes no other monthly debts · 25-yr amortization
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