Stress test
Will you pass the mortgage stress test?
Federally regulated lenders qualify you at a higher rate than you'll actually pay. See your qualifying rate and maximum mortgage.
Your details
You must qualify at
6.79%
The greater of 6.79% (rate + 2%) or the 5.25% floor
Maximum qualifying mortgage$462,703
Maximum home price$562,703
Payment tested (at qualifying rate)$3,181
Payment you'd actually make$2,636
Limited byTotal debt (TDS 44%)
Federally regulated lenders qualify you at the stress-test rate to confirm you could handle higher payments. Uses GDS (39%) / TDS (44%) ratios with estimated property tax and heat. Estimate only.
Get pre-approvedReady to make your mortgage work for you?
Pre-approval takes minutes, with no impact to your credit score.