Skip to Content
https://MF.FreddieMac.com/
Affordability Test and Other Resources
Affordability Test
The Affordability Test for Sellers is a self-service tool that makes it easier to identify affordable housing loans. It estimates the number and percentage of specific units per property that meet very low-income (VLI) or low-income (LI) eligibility parameters and also estimates the amount of uncapped and capped unpaid balance (UPB). These parameters are based on a specific county’s area median income (AMI) threshold as determined by the U.S. Department of Housing and Urban Development (HUD).
The following inputs are required for the tool:
- State in which the property is located
- County in which the property is located
- Number of units per bedroom type
- Monthly rent & utilities payment per bedroom type
Affordability Test (Revised November 18, 2019)
Affordability Test Frequently Asked Questions