Suppose an individual has $70,000 in annual income and considering a home that they intend to finance with a $200,000 mo

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Suppose an individual has $70,000 in annual income and
considering a home that they intend to finance with a $200,000
mortgage at 4% APR 30-year fixed rate loan, the real estate taxes
and insurance are $4,000 per year, auto payments are $400/month,
and student loans payments are $700/month.
What is the back-end ratio?
a)
35%
b)
41%
c)
28%
d)
36%