Mortgage Qualification Calculator (Stress Test, GDS, TDS)
Enter a price, down payment and your finances to see whether the scenario passes the published federal rules lenders start from, and which rule fails if it doesn't.
Calculator
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This scenario meets the published down payment, insurance and debt-service guidelines.
| Measure | Value |
|---|---|
| Qualifying rate | 6.12% |
| Payment at qualifying rate | $4,202.18 |
| Payment at your rate | $3,459.04 |
| GDS | 35.9% (guideline 39%) |
| TDS | 39.6% (guideline 44%) |
| Default insurance | $19,530 |
Estimate only, based on the published rules listed below. Lenders, insurers and tax authorities apply their own criteria.
Checks performed
- Minimum down payment (5% / 10% tiers, 20% at $1,500,000 or more)
- Insurance eligibility, including the 25-year limit (30 years for first-time buyers or new builds)
- Stress test at the higher of your rate plus 2 percentage points or 5.25%
- GDS at most 39% and TDS at most 44%
Lenders go further
Your credit history, employment, the property itself and the lender's own policies also count. A pre-approval is the only way to know what a lender will offer.
Sources
Rules are summarized in our own words from official publications. Check the source and talk to your lender or a licensed professional before making a decision.
Informational only, not financial advice. Data as of the release snapshot generated 2026-11-12.