I think the easiest way to figure it out is to look at all of your accounts as one and add up the total sum. If the total is greater every month by your payment shock amount then there’s no issue. Of course having fewer accounts does simplify things. Unfortuntely I am not a loan officer and cannot advise on what to do if you bills and your pay stubs are so misaligned that saving 1100 can sometimes look like losing money. What I can say is that I have never heard of either that particular situation or the inability to move all or most your due dates or pay all your bills on a given day to simply everything. I pay everything on the first week of the month. Everything. Always have from renting to owning. And yes I get paid biweekly too. It just makes things a little easier to figure out.