Mortgage Stress Test Calculator
Check if you qualify at the federal stress-test rate — the greater of your contract rate plus 2% or 5.25%. Required by all federally regulated lenders since 2018.
You do not pass the stress test
Qualifying at 6.79%
Lenders test you at the greater of contract rate + 2% (6.79%) or 5.25%.
Payment at 4.79%
$3,418 /mo
Payment at 6.79%
$4,125 /mo
GDS ratio
40.7%
Limit 39%
TDS ratio
45.0%
Limit 44%
Stress-tested payment is $707/month more than the contract-rate payment. Lenders use this higher number when checking whether your income covers the mortgage.
Estimate only. Applies to federally regulated lenders. Insured mortgages use the same qualifying rate; credit unions may use their own internal rules.
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