Calculate Your 2026 Payment Shock

Review your qualification status for different lender types based on your financial profile.

A-Lender

Prime Lending

QUALIFIED
Maximum Mortgage

$605,826

A-Lender · 20-year amortization · stress-test qualification cap

Debt Service Ratio

25.4%

Qualifying (stress test) · Max: 44%

Stress Test Rate

6.25%

Contract + 2% applies (≥ 5.25% floor)

Used for qualification

Monthly Payment

$2,160

Actual monthly cost

Based on 4.25% expected renewal and other monthly debts.

Payment shock

+$432

New actual total vs. existing monthly total (mortgage + other debts).

Qualification Criteria

  • GDS/TDS Ratio ≤ 44%
  • Credit Score ≥ 680
  • Stress test: Contract + 2% applies (≥ 5.25% floor)
Get started with A-Lender

Financial Health Tip

Interest rates have reduced your buying power by $178,156.