## Calculates the maximum monthly total housing payment (income / debt) ##

my $ratioincome28 = 0;
my $ratioincome33 = 0;

my $ratiodebt36 = 0;
my $ratiodebt38 = 0;

$ratioincome28 = $totalincome * .28;
$ratioincome33 = $totalincome * .33;

$ratiodebt36 = ($totalincome * .36) - $totaldebt;
$ratiodebt38 = ($totalincome * .38) - $totaldebt;

## Determines the lower of the two ratios ## 

my $totalpmt = 0;

if ( ($ratioincome33 gt $ratiodebt38) && ($downpercent eq 20) )
  {
    $totalpmt = $ratiodebt38;
  }
elsif ( ($ratioincome33 lt $ratiodebt38) && ($downpercent eq 20) )
  {
    $totalpmt = $ratioincome33;
  }
elsif ( ($ratioincome28 gt $ratiodebt36) && ($downpercent lt 20) )
  {
    $totalpmt = $ratiodebt36;
  }
else
  {
    $totalpmt = $ratioincome28;
  }