I've been re-reading Total Money Makeover and remembered that Dave recomends that your mortgage be 25% of your net take home pay. Does he mean just the mortgage (princeple and interest) or your total house payment including property taxes and homeowners insurance? Right now our total monthly house payment, including taxes and insurance, is 26% of our net take home, so we are right were Dave says we should be. But someday we may need to move to a more expensive area, and while we'll save money to make a nice big down payment to cancel out the effect of a larger purchase price, I want to be clear on what exactly he means by 25%. Thanks!