What does the DTI of 28% cover?

[/u/socalfirsthome]

I have heard that you should maintain 36% DTI of which 28% is for mortgage out of your monthly gross. In HCOL areas I have seen the DTI of 43% of which 32% should be housing. My question is whether the 28% or 32% include insurance and property taxes? In other words, if someone has 10000 monthly gross, then they should pay upto 2800 for mortgage but does that 2800 include property taxes and home insurance?

submitted by /u/socalfirsthome
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What does the DTI of 28% cover?
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