Calculator
Affordability Calculator
See your maximum price and mortgage, qualified against the stress test — the same math lenders use. Estimate only.
Maximum home price
$564,419
Max mortgage$464,419
+ Your down payment$100,000
Qualifying (stress-test) rate6.99%
Limited byTDS (44%)
Based on GDS ≤ 39% and TDS ≤ 44%, qualified at the greater of your rate + 2% or 5.25%.
Estimate only — not a rate quote or loan approval. Your actual numbers depend on your full application.
Lenders use two ratios: Gross Debt Service (GDS ≤ 39% of income for housing costs) and Total Debt Service (TDS ≤ 44% including all debts). You must also qualify at the greater of your contract rate + 2% or 5.25% — the mortgage stress test. This calculator applies all three.
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