text:  I'm kind of wondering if it's the amount that I owe, and it freaks me out a little bit. I've never been in this much debt. The mortgage is $236,000. I make about $90,000 a year. I'm based salary and commission, so that's roughly what I'll make this year. You're single? And I sold some land that was worth about $120,000, so I could use that as a down payment.