Qualification inputs
Use this planning tool to estimate affordability before a full lender review. It mirrors income, debt, and housing-cost logic more closely than a simple income multiplier.
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Monthly estimate used in GDS/TDS-style qualification logic.
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Monthly heating cost is included in affordability calculations.
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50% of condo fees are counted in the qualification estimate.
Planning tool
This is an estimate only and should be used as a starting point before a full mortgage review or lender pre-approval.
Qualification logic
This version includes income, debts, property taxes, heating, and 50% of condo fees so the estimate behaves more like a real qualification screen.
Next best step
Use this estimate to frame conversations about qualification, down payment strategy, and which mortgage path may fit best.