The mello-roos is an annual number. HOA and Mello-Roos will run about $270/month. Property tax at $350K will be another $300/month. All total, call it $650 in HOA & Taxes per month.
That leaves roughly $1350 after-tax to pay the mortgage. Which at 25% Fed and 9.3% tax will push the mortgage payment to around $1900 before tax break. So roughly $300K with as little as 5% down, or $350K with 20% down.
