Margaret currently earns $$2500$ per month. She has the following expenses: $$80$ for credit cards, $$120$ for student loans, and a $$245$ car payment. She is looking to buy a house. The monthly mortgage, including principal, insurance, and taxes, is $$850.$ Does Margaret pass the FHA requirement for the total fixed payments$-$to$-$income ratio?

No$,$ because her ratio is greater than $43\%.$

No$,$ because her ratio is greater than $31\%.$

Yes, because her ratio is less than $43\%.$

Yes, because her ratio is less than $31\%.$