Know Your Budget
Affordability Calculator
See how much home you can afford using Canadian lending guidelines, GDS/TDS ratios, and stress test qualification.
Your Finances
Car, credit cards, loans
Monthly housing costs
50% counted
Maximum Home Price
$416,819
Limited by TDS ratio — stress-tested at 7.50%
Max by GDS (39%)
$427,867
Housing costs only
Max by TDS (44%)
$416,819
Housing + all debts
Est. monthly payment
$2,308.44
Incl. $11,371 CMHC
Down payment
Sufficient
Min. required $20,841
Based on GDS (39%) and TDS (44%) guidelines with Canadian semi-annual compounding and the stress test. Actual qualification may vary — contact Jay for a complete assessment. Estimated payment shown at 5.5% over 25 years.
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