You are buying your first house. The purchase price is $250,000. You are putting 5% down. You locked in at a 7% interest rate amortized over 30 years. Taxes are $2,200 per year and hazard insurance equals $400 per year. You have 48 months left on your new car payments that equal $650 per month. You also have 20-years of student loans remaining at $250 per month. Your gross annual income is $98,000. Benefits, including social security and insurance are approximately 27.5% of your gross income. What is the PITI?