<prompt> Human: My wife and I recently purchased a house with a zero down payment type of mortgage USDA. I keep getting told that Im in danger of not being able to afford my house in the future. How is that possible?Our financial situation is as follows: Our combined gross income is 100,000 Our house only cost 62,000 and the mortgage payment is only 500 a month. We have no other debts besides my student loans which total 22,000 and are on track to be repaid in 2 years. What am I missing? Perhaps they are assuming we couldnt afford the house if we were to become unemployed.  <response>: Most people do not have 60k houses on 100k annual income. It should not be a problem for you. 