0%, I own the bitch.
I would recommend you never spend more than 30% of your net monthly take home.
My mortgage is ~14% my net take home every month, I’m also in a very inexpensive home in respect to my income. Considering my tenants pay approx 80% of my mortgage, my out of pocket is an extremely low %.
Unfortunately I spend about 90% of my cash on hand because I’m an impulse buying jerk, otherwise I’d have a nice savings account
Not trying to be an asshole, but I don’t believe your monthly payment. Financing 20K for 60 mos w/ a 354 payment is like 3% APR