What are my chances of getting a home loan?

With a 650 credit score, 1 student loan for $20,000 and about $200 a month payment. I have other very small debt, 2 credit cards that are under 500 each. The student loan is a lot of money, but the payment is so low that I didn't know if the payment is what counts, or the whole amount. Thanks! The home loans... show more With a 650 credit score, 1 student loan for $20,000 and about $200 a month payment. I have other very small debt, 2 credit cards that are under 500 each. The student loan is a lot of money, but the payment is so low that I didn't know if the payment is what counts, or the whole amount.

Thanks! The home loans I'm looking at are 50k. And yes they are out there in nice(ish) areas in my hometown! And yes I have 20% saved plus closing costs :)
Update: oh, oops :) 27,500 a year
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