According to bond condition was simulated by contact unit and pavement parameters, such as temperature, load, and structural condition were given, a three-dimensional finite element model was established to analyze the temperature-load coupling stress for asphalt overlay. Effects of parameters for asphalt overlay, old cement concrete plate, joint and foundational response modulus on its temperature-load stress. Results show that the temperature-load stress of asphalt overlay is great influenced by asphalt overlay’s E1 and thickness h1, the thickness of the cement concrete slab h2, foundational response modulus k and the joint width δ. But the length L and width B of cement concrete slab, and the joint load transfer stiffness C has little effect on it. The temperature-load stress of overlay can be reduced by increasing the thickness of asphalt surface.