25% entire costs include what?

Is the 25% spend on housing meant to include Mortgage + Insurance, Property/School Taxes, Strata AND Maintenance costs/1% sinking fund?

When I add up my costs for Condo ownership of Insurance, Property/School Taxes, Strata AND Maintenance costs/1% sinking fund, I am already well over 25% and that is before adding in mortgage costs.

I am very confused how all of those expenses can fit in a 25% bracket.

Numbers:

25% of my monthly take home pay is $1,157.49

Monthly expenses are:

Home Insurance = $60

Strata Fees = $422.63

Property Tax = $104.62

Maintenance Costs (based on 1% property value) = $579.17

So total monthly outgoings are: $1,166.42

No room for a mortgage in here so surely it is a stand alone 25% and those other expenses come under different Ramsay categories?