<p>Based on your information and ratio selections:</p><p>Your monthly mortgage expenses shouldn't exceed 33.00% of your total monthly income.</p><p>Your total monthly obligations (monthly mortgage expenses plus any other long-term debt obligations) shouldn't exceed 40.00% of your monthly income.</p><p>You have been capped by the 40.00% ratio. Including your down payment, it appears you may qualify for a home valued around $410,906</p><table class='pure-table' role='grid'><tr><th colspan='2' class='section'>Front-End Ratio</th></tr><tr><td>Monthly gross income</td><td>$10,000</td></tr><tr><td>Front-end ratio</td><td>33%</td></tr><tr><td>Calculated payment for front-end ratio</td><td>$3,300</td></tr><tr><td></td><td></td></tr><tr><th colspan='2' class='section'>Back-End Ratio</th></tr><tr><td>Debts and obligations</td><td>$140</td></tr><tr><td>Percent of gross income</td><td>1%</td></tr><tr><td>Maximum percentage available for mortgage payment</td><td>39%</td></tr><tr><td>Calculated payment for back-end ratio</td><td>$3,860</td></tr><tr><td></td><td></td></tr><tr><th colspan='2' class='section'>Payment Calculation</th></tr><tr><td>Minimum of the two ratio options</td><td>$3,300</td></tr><tr><td>Less: taxes and insurance</td><td>$633</td></tr><tr><td>Equals: maximum allowable payment</td><td>$2,667</td></tr><tr><td>Calculated mortgage amount</td><td>$390,906</td></tr><tr><td>Down payment</td><td>$20,000</td></tr><tr><td><b>Home value you can afford</b></td><td><b>$410,906</b></td></tr></table>{"monthlyIncome": "10000", "front": "33.0%", "frontPayment": "3300", "otherDebts": "140", "otherPercentage": "1.4%", "back": "38.6%", "backPayment": "$3,860.00", "minimumPayment": "$3,300.00", "taxesInsurance": "$633.33", "maximumPayment": "$2,666.67", "mortgageAmount": "$390,905.80", "homeValue": "$410,905.80"}