Free tool · Live · Not mortgage advice
We’ll show you what you can actually afford.
The same GDS and TDS tests a lender runs, with the stress-test rate applied, live as you type. This is a ballpark, not a pre-approval.
The lender math points to a home price around
$0
$0monthly payment at your quoted rate
-the test that limits you
Self-employed or holding rentals?
The income a lender sees is the income on your tax return. How it's prepared this year decides your pre-approval next year, plan it ahead.
Talk it through with us →Rough estimate: 39% GDS and 44% TDS, 25-year amortization, qualified at the greater of your rate + 2% or 5.25% (the stress test). Minimum-down-payment rules and mortgage insurance can lower the ceiling. Lenders differ, talk to yours.