Mortgage Planning
How Much House Can I Afford Safely Stress Test
This guide shows how to test a price range with scenarios, read DTI tails and safe loan outputs, and compare without relying on one number.
Published: January 1, 2026 · Updated: January 1, 2026 · By FinToolSuite Editorial
Open the stress tester
Test two property prices with the same assumptions and compare outputs.
Disclaimer
- Educational only. Not advice. Examples are illustrative. No guarantees.
Range testing approach
Pick two price points, keep assumptions the same, and compare outputs. Avoid jumping to a single “answer”; use ranges to see sensitivity.
Example A vs B
Scenario A: $400,000 with your chosen down payment. Scenario B: $450,000 with the same assumptions. Compare safe loan, DTI mid/high, and default probability direction.
Scenario C: You can also test a lower price if you want a conservative view with the same inputs.
What to read
- Recommended safe loan direction
- DTI mid and high percentiles (tails)
- Default probability direction
FAQs
How many prices should I test?
Start with two or three to see range impacts without confusion.
Do I change down payment?
You can, but test separately to isolate effects.
Where is privacy info?
See Privacy Policy.
Test a price range
Open the mortgage affordability stress tester, run two prices with the same assumptions, and compare outputs.