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Affordability Worksheet

What can you actually afford?

This runs your numbers through the same lens a lender does — including the mortgage stress test — so your target price is realistic from day one.

Household income (annual, before tax)

Other monthly debt payments (car, loans, cards)

Down payment saved

Sample interest rate (%)

Amortization (years)

Estimated annual property tax

Estimated monthly heating

Monthly condo / HOA fees (if any)

Your estimated ceiling

Estimated maximum home price

$441,444

Maximum mortgage$401,444

Est. monthly payment (at your rate)$2,161

Monthly room for principal + interest$2,633

Qualifying (stress-test) rate6.19%

Lenders qualify you at the higher of your rate + 2% or 5.25%, which is why your approved amount is lower than simple payment math suggests. This estimate doesn't include default-insurance premiums or minimum down-payment rules — a broker confirms the real number.

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This worksheet is an educational estimate, not a pre-approval, credit check, or rate quote. It uses typical insured-mortgage debt-service ratios and a sample rate for illustration only. A licensed mortgage broker confirms actual rates, ratios, and eligibility.