Free Tool

Affordability Calculator

Income, debts, and down payment in — a realistic max home price out.

Your finances

Annual household income

Monthly debt payments

Car loans, credit cards, lines of creditDown payment saved

Est. monthly property tax

Condo fees (if any)

The mortgage

Estimated interest rate5.5%

Amortization period25 yrs

Uses simplified GDS/TDS qualification rules and the federal mortgage stress test (qualifying at 7.50%). Your actual approval depends on lender guidelines, credit, and full financial review.