How much home can you afford?

Stress-tested the way lenders actually test it: the higher of your rate plus 2% or 5.25%, with debt-service limits applied.

Household income ($/yr) Down payment saved ($) Monthly debt payments ($) Rate (%) First-time buyer

Counts if any one is true: you’ve never bought a home · you haven’t lived in a home you or your spouse owned in the last 4 years · you recently separated or divorced.