Determine the maximum 30-year fixed-rate mortgage amount for which a couple could qualify if the rate is 4.46 percent. Assume they have other debt payments totaling S437 per month and a combined annual income of $54,900. Monthly escrow payments for real estate taxes and homeowner's insurance are estimated to be $126. (Assume a 36 percent maximum of annual income for total debt and escrow payments.) .. The maximum 30-year fixed-rate mortgage amount for which a couple could qualify if the rate is 4.46% is $(Round to the nearest dollar.)