<prompt> Human: A little about myself:- Single, 30, no kids, looking to buy a condo- Salary: 45,000year- Savings: 150,000- Retirement: 40,000- Loans: None- Current monthly Expenses: 500 through frugalness and living at home wparents- Median Condo prices in my area: 400,000 Unfortunately, I live in are area with a extremely high cost of living where the cost of homes keep increasing and supply remains low. So, Ive been aggressively saving over the past couple of years for a down payment. My plan was to put down whatever I had in savings minus one years salary so 105k as down paymentclosing costs. After speaking with a banker, I was informed that I could not qualify for a mortgage with this down payment amount and my salary.Feeling down about this, I met with a financial adviser a friend of a friend who questioned how I did not qualify for a mortgage. He had the same information, but mentioned that putting the entire savings as a down payment should have qualified me.Is that normal? For people to use the majority of their savings as down payment? And just start their savings at 0?Also, any advice for a potential first time homebuyer would be greatly appreciated.Assistant: They are looking at DTI - or debt to income. The payment should not take more than 34?of your total income. It sounds like you need to put more down to lower the payment because your income is lower compared to a 400k house. Can you go out further to save on the purchase price? Im in the Midwest, personally put 10 down on a 200k home, income was in the 90k a year range. I cringe when I see 400k on a 45k Salary. But good for you for trying! Human: My DTI ended being about 48. Unfortunately, its pretty difficult for me to look beyond where Im located. Im in Hawaii...  <response>: Yeah an island is a hard market. Im in Missouri so not like Im super familiar with you area 