All calculators
AffordabilityStress TestLive
Gross household income (annual)
$
$40,000$500,000
Down payment
$
$0$1,000,000
Other monthly debts
$
$0$5,000
Contract rate
%
1%12%
Amortization
Property tax / month
$
$0$2,000
Heat / month
$
$0$500
Condo fees / month
$
$0$2,000
Half of condo fees count toward debt service. This estimates borrowing room only — a lender's figure depends on credit, product, and full underwriting.
Live analysis
Maximum purchase price$672,122
Stress-test rate6.79%
Max mortgage$572,122
Breakdown
Binding limit · TDS 44%$3,933.33/mo
Down payment$100,000