Calculator · Educational Only

True Affordability — DTI Stress Test

A lender can approve you for 45% of gross income toward housing. That doesn't mean you can live at that number. This calculator layers in real life — food, childcare, retirement savings, healthcare — to show the monthly payment you can actually sustain without killing everything else.

Educational only. Heath Watte is a licensed REALTOR® in Oregon and Washington, not a financial advisor, mortgage lender, or CPA. This tool illustrates the gap between a conservative household-budget affordability number and what a lender may approve. It does not constitute financial advice. Consult a licensed financial planner and lender for decisions specific to your situation. Full disclaimer.
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Heath Watte is committed to making heyheath.com accessible to everyone. This site is designed to conform with WCAG 2.1 and 2.2 Level AA standards.

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