I swear I am not math

[JC]

I swear I am not math challenged. My numbers are different because the calculator I use includes estimates for taxes, etc. http://www.insidermortgage.com/articles.html?TargetPage=calculators.asp

I guess I am just conservative. I like to look at total monthly costs and round up.

Either way you slice it, it is still a large portion of your income to commit to housing.