I don't have the brain capacity right now to figure out your debt issue, although it looks like it might end up pretty close no matter what way you do it.
With a home purchase, it has nothing to do with multiplying your base salary that doesn't mean squat. With a traditional home loan, banks will use the 28/36 rule. That is what you should be using as well. No more than 28% of your gross income should be used toward your monthly mortgage payment/PITI (Principal, Interest, Taxes, and Insurance). The 36% is your mortage (PITI) plus outside debt, meaning your mortgage and other debt (student loans, car loans, etc) cannot exceed 36% of your monthly gross income.