What counts toward the 28/36 affordability rule in James Island?

A lender's front-end and back-end affordability guideline compares your total housing payment, including principal, interest, property tax, insurance, and any HOA dues, against your gross monthly income, then separately compares all of your debt payments combined against that same income. Lenders on James Island apply the same standard formula, just with James Island's specific tax and insurance costs plugged in. Brian's lender partners can walk through exactly which of your bills count toward each side of that comparison.