The Adeeva's gross monthly income is $6000. They have 18 remaining payments of $350 on a new car. They are applying for a 30-year, $184,000 mortgage at 7.5%. The taxes and insurance on the house are $320 per month. The bank will only approve a loan that has a total monthly mortgage payment of principal, interest, property taxes, and homeowners' insurance that is less than or equal to 28% of their adjusted monthly income.