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What are your GDS and TDS ratios?
Your GDS and TDS ratios
38.1%
GDS 33.1%, TDS 38.1% — caps are 39% and 44%.
GDS
33.1%
TDS
38.1%
Total housing cost
$2,650/mo
Room under TDS cap
$470/mo
GDS covers housing costs alone: mortgage, property tax, heat, and half of any condo fee. There's $470/mo of room left under the cap.
TDS adds every other debt payment on top. There's $470/mo of room left under the cap.
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What counts as housing (GDS)
Mortgage payment$2,200
Property tax$350
Heat allowance$100
Condo fee counted (50%)$0
Total housing cost$2,650
What TDS adds
Housing cost (from above)$2,650
Other monthly debts$400
Total$3,050
What this assumed
GDS cap39%
TDS cap44%
Heat allowance$100/mo, flat, regardless of your real bill
Condo fee treatmentHalf the monthly fee counts against your ratios
Last reviewed August 2026 · rates and rules from Sources & method
What this number means
GDS covers housing costs alone — mortgage, property tax, heat, and half of any condo fee — capped near 39% of gross income. TDS adds every other debt payment on top, capped near 44%. Most people who don't qualify are stopped by TDS, not GDS.