They figure 1/4 of your income on housing. So a $160,000 mortgage with insurance and taxes would give you a 30 year mortgage of about $1100 a month. Plus add the $145 amenity fee for $1245. Which is about $15,000 a year. Which is over the 25% that is normally recommended. I guess the real question is what are you used to living on and how would this affect your normal lifestyle. If you have a 401k that would cover extras as needed you'd probably be fine. If the $45,000 is your only means of income it would probably be tight. If in doubt I'd start on the historic side where you can get a nice home for $120,000.
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