Affordability and stress test
How much can I afford?
Lenders test you at the higher of your rate plus 2% or 5.25%, and cap your housing costs at 39% of income and all debts at 44%. This tool applies both and tells you which one is holding the number.
Estimated maximum purchase price
$0
- Qualifying rate (stress test)
- Maximum mortgage
- Plus your down payment
- Limited by
- Payment at your actual rate
- Without the stress test you could borrow
Estimate only, not an offer of credit. Lender policies and property type can change the result. Constants verified 2026-09-16.
Keep these numbers
Email me this simulation.
You get a copy of your inputs and results, with the name of the associate who can check them with you. One email, no list.