{"id":20004,"date":"2022-09-30T09:00:00","date_gmt":"2022-09-30T13:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=20004"},"modified":"2022-09-26T17:22:15","modified_gmt":"2022-09-26T21:22:15","slug":"cost-of-800000-mortgage","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/cost-of-800000-mortgage\/","title":{"rendered":"How Much Does an $800,000 Home in Ontario Actually Cost?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Are you considering taking out an $800,000 mortgage to buy a home in Canada? If so, consider your income and the debt to see if you can afford it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To illustrate how much an $800,000 mortgage may cost you, let&#8217;s assume the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>10% down payment ($80,000)<\/li><li>5-year closed mortgage<\/li><li>3.00% interest rate<\/li><li>Mortgage Default Insurance ($22,320)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Based on the above figures, your total mortgage amount would be <strong>$742,320<\/strong> to buy an $800,000 home. You\u2019ll have to repay that amount plus interest by the end of your amortization period.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Payment Frequency&nbsp;<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Your payment frequency influences how much you&#8217;ll pay over the life of the loan and your regular mortgage payments.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Read: <a href=\"https:\/\/www.zoocasa.com\/blog\/variable-or-fixed-rate-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">Variable of Fixed-Rate Mortgage? 4 Tips to Help You Decide Which to Choose While Interest Rates are Rising<\/a><\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The following chart illustrates how different <a href=\"https:\/\/loanscanada.ca\/mortgage\/what-is-an-amortization-schedule\/\" target=\"_blank\" rel=\"noreferrer noopener\">amortization periods<\/a> and payment frequencies can impact your mortgage payments (assuming a 3.0% interest rate and 5-year term):<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Payment Frequency<\/strong><strong><\/strong><\/td><td><strong>Amortization Period<\/strong><\/td><td><strong>Mortgage Payment<\/strong><\/td><\/tr><tr><td><strong>Monthly&nbsp;<\/strong><\/td><td>15 years<\/td><td>$5,119&nbsp;<\/td><\/tr><tr><td><strong>Bi-Weekly<\/strong><\/td><td>15 years<\/td><td>$2,361<\/td><\/tr><tr><td><strong>Monthly<\/strong><\/td><td>25 years<\/td><td>$3,513<\/td><\/tr><tr><td><strong>Bi-Weekly<\/strong><\/td><td>25 years<\/td><td>$1,620&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The shorter amortization period (15 years) results in higher mortgage payments but less interest overall.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Interest Rates<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The interest rate you\u2019re charged can significantly impact your overall loan amount and payments. The lower your rate, the less expensive your mortgage will be. For example (using the same $742,320 mortgage as above):<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Interest Rate<\/strong><\/td><td><strong>Interest Over 25-Year Amortization<\/strong><\/td><td><strong>Interest Cost Over 5-Year Term<\/strong><\/td><td><strong>Monthly Payment<\/strong><\/td><\/tr><tr><td><strong>1.5%<\/strong><\/td><td>$890,154<\/td><td>$50,866<\/td><td>$2,967<\/td><\/tr><tr><td><strong>2.5%<\/strong><\/td><td>$997,602<\/td><td>$85,484<\/td><td>$3,325<\/td><\/tr><tr><td><strong>3%<\/strong><\/td><td>$1,053,898<\/td><td>$102,954<\/td><td>$3,513<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Read: <a href=\"https:\/\/www.zoocasa.com\/blog\/rent-or-buy-gta\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rent or Buy? Average Monthly Rental Prices vs. Monthly Mortgage Payments in the GTA<\/a><\/strong><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Factors Considered in Calculating a Mortgage in Canada<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following factors are included when calculating mortgage costs:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Mortgage amount. <\/strong>The amount you borrow is equal to the price of the home minus the down payment.&nbsp;<\/li><li><strong>Mortgage rate<\/strong>. The percentage a lender will charge for the loan.<\/li><li><strong>Amortization period.<\/strong> The length of time it takes to repay the mortgage in full.<\/li><li><strong>Payment frequency.<\/strong> How often payments will be made to repay the loan amount, plus interest and other costs.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Are the Closing Costs For an $800,000 Mortgage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you buy a home, you&#8217;ll need to cover a handful of costs associated with the closing process. Closing costs typically range between 2% to 5% of the purchase price of the home and include any of the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Lawyer fees<\/li><li>Land transfer taxes<\/li><li>Appraisal fee<\/li><li>Home inspection fee<\/li><li>Title insurance<\/li><li>Property taxes<\/li><li><a href=\"https:\/\/loanscanada.ca\/mortgage\/mortgage-default-insurance-cmhc-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">CMHC mortgage insurance<\/a> (if not rolled into your mortgage payments)<\/li><li>Adjustments<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Should My Income Be For an $800,000 Mortgage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many factors determine your ability to secure an $800,000 mortgage. To estimate your mortgage affordability, you can calculate both your <a href=\"https:\/\/loanscanada.ca\/mortgage\/what-is-a-debt-service-ratio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gross Debt Service (GDS) ratio<\/a> and Total Debt Service (TDS) ratio.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>GDS<\/strong> refers to your monthly housing costs. The average Canadian has a 32% GDS.&nbsp;<\/li><li><strong>TDS<\/strong> refers to your total debt load (including housing costs). The average Canadian has a 40% TDS.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most lenders on the other hand typically look for a maximum GDS limit of 39% and a maximum TDS limit of 44%.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Read: <a href=\"https:\/\/www.zoocasa.com\/blog\/buy-a-home-single-income-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">Where Can You Buy a Home on a Single-Income in Canada in 2022? [REPORT]<\/a><\/strong><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re looking to take out an $800,000 mortgage, crunch the numbers first. Take into account your income and debts before house hunting to ensure you can <a href=\"https:\/\/loanscanada.ca\/mortgage\/mortgage-affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">afford your mortgage payments<\/a>.<\/p>\n\n\n<div class=\"cta\">\n<div class=\"cta-left\">\n<div class=\"cta-title\">Considering Getting Into The Market This Fall?<\/div>\n<div class=\"cta-body\">Sign Up for a Free Buyer Consultation<\/div>\n<\/div>\n<div class=\"cta-right\"><a href=\"https:\/\/www.zoocasa.com\/buy-with-zoocasa\"><button class=\"cta-button\">Talk To Our Experts<\/button><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you considering taking out an $800,000 mortgage to buy a home in Canada? If so, consider your income and the debt to see if you can afford it. To illustrate how much an $800,000 mortgage may cost you, let&#8217;s assume the following: 10% down payment ($80,000) 5-year closed mortgage 3.00% interest rate Mortgage Default [&hellip;]<\/p>\n","protected":false},"author":81,"featured_media":20005,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":"","sponsored_post_label":"","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"footnotes":""},"categories":[3,76,1158],"tags":[],"class_list":["post-20004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ask-the-pros","category-buying-a-home","category-expert-advice"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Does an $800,000 Home in Ontario Actually Cost? | Zoocasa Blog<\/title>\n<meta name=\"description\" content=\"Are you considering taking out an $800,000 mortgage to buy a home in Canada? 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