Smart Affordability & Stress Test Calculator
Mode: Affordability Stress test rate: — Status: —
Affordability
Stress Test Checker
The qualifying rate is the greater of the selected rate plus buffer or 5.25.
Summary
Max monthly housing (qual)
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Max mortgage at qual rate
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Estimated purchase power
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Eligibility score
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GDS usage
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TDS usage
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Enter your details and select Calculate to see a plain‑English summary of your affordability and stress test results.
Monthly budget view
Visual allocation of monthly income toward qualifying payment, taxes, heating, condo fees, and other debts.