Mortgage Qualifier Calculator 2026 — USA & Canada

Qualifier Details

Annual Income (primary)

Annual Income (co-borrower)

Monthly Debts (car, student, etc.)

Down Payment Available

Interest Rate

Amortization

Monthly Heat + Condo Fees

Annual Property Tax

Results

Max Mortgage

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Max Home Price

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Est. Monthly Payment

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GDS / Front-End DTI

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TDS / Back-End DTI

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Stress Test Rate

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Qualification Rules

GDS (Canada)

Gross Debt Service ≤ 39%. Housing costs (mortgage + tax ÷ 12 + heat + 50% condo fees) ÷ gross monthly income.

TDS (Canada)

Total Debt Service ≤ 44%. All monthly debts ÷ gross monthly income. Credit cards: 3% of balance counted monthly.

Front-End DTI (USA)

Housing costs ÷ gross income ≤ 28–31%. Conventional loans. FHA allows up to 31%.

Back-End DTI (USA)

All debts ÷ gross income ≤ 43–45%. FHA may allow up to 56% with compensating factors.

Frequently Asked Questions

You must qualify at the higher of: your actual rate + 2%, or 5.25%. At a 5.49% rate, you qualify at 7.49%. This reduces maximum mortgage by roughly 15–20%. Credit unions in some provinces are exempt.

Yes — in Canada, 3% of the outstanding credit card balance counts as monthly debt in TDS regardless of your actual payment. A $10,000 card balance adds $300/month to TDS. Pay down credit cards before applying to maximize qualification.

Yes. For 2–4 unit properties where you live in one unit, 50–80% of expected rental income can typically be added to qualifying income. In the USA, 75% of documented rental income can generally be used for investment properties.

⚠️ Estimates only. Actual approval depends on credit score, lender policies, and full financial picture.

Mortgage Qualifier Calculator