Credit Limit Mortgage Impact Calculator

Estimate how much mortgage capacity can be reduced by revolving credit. Includes stress-test mode, presets, and a client-ready summary you can copy or print.

Credit Cards & Limits

capacity over usage
Card name
Credit limit ($)
Most recent balance ($)
Tip: If you have more than 3 cards, use “Other cards (combined)” to enter the remaining totals.

Assumptions (Unsecured Credit Payment)

presets included
Guidance: Many lenders model a deemed payment based on limits (capacity). Some use bureau minimums based on balances. Turning on “higher-of” is conservative.

Presets: Use Prime for a typical planning estimate. Use Conservative to test sensitivity on a tight file.
Preset
Deemed payment on limit (% of limit / month)
Optional: minimum payment on balance (% of balance / month)
Use the higher of (limit-based payment) or (balance-based payment) Conservative setting: uses whichever assumed payment is higher.
Capacity (Credit Rating Impact)
Based on overall utilization across the cards entered.
Enter limits & balances
Healthy Utilization: — High Risk
Under 30% → generally neutral/healthy • 30–60% → mild pressure • 60–80% → score drag • 80%+ → significant score damage
Note: Credit score impacts may affect rate, lender options, or approval even if debt ratios work.
Note: Actual lender calculations vary by institution, product, and how the credit bureau reports minimum payments.

Mortgage Variables & Results

stress test supported
Contract rate (%)
Amortization (years)
Stress test mode Uses the higher of (contract rate + add-on) or (minimum qualifying rate).
Stress add-on (%)
Minimum qualifying rate (%)
Show “$1,000 → $X mortgage lost” rule-of-thumb Updates automatically with rate, amortization, and stress test mode.

Estimated mortgage capacity reduced by unsecured credit (modeled payment)

$0

That’s about $0 lost per $1 of credit limit.

Total credit limits entered
$0
Total balances entered
$0
Assumed monthly payment from credit
$0/mo
Mortgage payment factor
$0 per $1,000
Rate used for calculation
—
Assumption used
—
Disclaimer: Educational estimate only. Actual lender calculations vary and underwriting decisions depend on the full file. This tool does not constitute lending advice.