Ervin and Freda are looking for a home; their combined incomes total $77,000. The couple were able to negotiate a rate of 5.25% for a 5-year fixed term on a 25-year amortization. The taxes are estimated at $1,800, and heating costs are $1,200; their personal debt consumption is $725 per month. The bank's guideline is 40% for the TDSR and 32% for the GDSR. Using the TDSR guideline, determine the maximum mortgage they qualify for.