789 Hillcrest Road
West Shore, Pickering
$835,000
Well-Maintained Detached Bungalow W/ Garage In West Shore Offering 3+2 Bedrooms And 2 Kitchens. Bright And Spacious Main Floor With Hardwood Flooring, Three Full-Size Bedrooms, And An Eat-In Kitchen. Separate Side Entrance Leads To A Large Recreation Room, Second Kitchen, And Two Additional Bedrooms, Providing Flexibility For An In-Law Suite Or Potential Future Income. Plenty Of Parking And A Good-Sized Lot. Recent Updates Include The Roof And Dishwasher In 2023, Air Conditioning Replaced Within The Last Three Years, And A New Sump Pump In 2026. Conveniently Located Near Highway 401, The GO Train, Parks, Schools, Shopping, And Other Amenities.
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Listing History
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,274
- Property tax
- $584
- Heat allowance
- $150
- Housing costs
- $5,008 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$154,000
gross annual household income
- Payment at 4%
- $3,514 / mo
- Cash down
- $167,000
Assumes no other monthly debts · 25-yr amortization
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