MHMFAwillnormally require that the total amount of monthly housing expense (referred to in 761 CMR 21.41), plus all other monthly payments on all installment debts having remaining terms of more than 12 months do not exceed approximately 35% of Borrower's "stable monthly income." Alimony, child support and maintenance payments are considered long term monthly obligations, unless such obligations terminate in less that 12 months.