Lenders cap what you can borrow using debt-to-income ratios — and in Canada you must also qualify at a stressed rate. Enter your income, debts, and down payment to see your maximum home price, mortgage, and the housing payment you'd qualify for.
You
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$
Loan
$
%
yrs
Costs
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$
$
Max home price
$434,432
Max mortgage
$374,432
Max housing payment
$2,800
PITI budget
Qualifying rate
6.50
CA: stress-tested
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In Canada you must qualify at the higher of your contract rate plus 2% or 5.25% — so you can still afford payments if rates rise. This calculator applies it automatically.
What DTI do US lenders use?
Commonly 28% of gross income for housing and 36% for all debts, though some programs allow higher.