GDS & TDS Qualification Calculator
Calculate your Gross Debt Service (GDS) and Total Debt Service (TDS) ratios to determine mortgage qualification. These ratios are critical in assessing your eligibility for a mortgage loan.
GDS ≤ 39%
TDS ≤ 44%
Home Purchase
$
Down Payment
%
$
Mortgage Details
%
Yrs
Housing Expenses
$
Estimated monthly amount
$
Estimated monthly amount
$
Enter full amount (50% used in calculations)
Gross Income
$
Annually
Monthly Debts
$
$
$
$
Qualification Results
Stress Test QualificationQualification
Qualification GDSStress Test Rate: 7%
N/A
Qualification TDSStress Test Rate: 7%
N/A
Supporting Information
Gross Monthly Income
$0
Total Monthly Debt Payments
$0
Est. Monthly Mortgage Payment
N/A
Mortgage Insured?
No
No Insurance Required