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Mortgage Affordability Calculator

Estimate the home price you can afford — stress-tested at the federal qualifying rate, the way lenders actually assess you. A guideline, not a pre-approval.

Household income (annual)$Down payment

$Monthly debt payments$Car loans, credit cards, lines of credit, etc.Mortgage rate%Your expected contract rate.

Estimated home price you can afford

$724,753

a guideline, not a pre-approval

Maximum mortgage$604,753

+ Your down payment$120,000

Est. monthly payment (at 4.5%)$3,361/mo

Stress-tested at6.50%

Qualified at the greater of your rate + 2% or the 5.25% minimum qualifying rate (the federal stress test). Assumes 39% / 44% GDS/TDS guidelines, a 25-year amortization, and ~$450/mo reserved for property tax + heat. Limited by your TDS.

Estimate only — not legal, tax, or financial advice; confirm final figures with your lawyer / mortgage agent.

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