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Affordability
GDS / TDS rules · B-20 stress test applied
$100,000
$30K$500K
$80,000
$0$1M
$500
$0$5K
Car payments, student loans, credit card minimums
4.79%
$350
$150
You can afford up to
$467,879
with $80,000 down · stress-tested at 6.79%
Max Mortgage
$387,879
Monthly Payment
$2,210
at 4.79%
Down %
17.1%
Debt Service Ratios
GDSGross Debt Service38.0%/ 39%
TDSTotal Debt Service44.0%/ 44%Binding
Lenders require GDS ≤ 39% and TDS ≤ 44%. The binding ratio is the one limiting your maximum price.
How to increase your budget
Pay down monthly debts, increase your down payment, or look at lower property tax areas. Each $100/mo reduction in debt adds roughly $20K to your max price.
Get a personalized strategy
AI Analyzer recommends optimal down payment, rate, and timing