SQUEEEEEEZE!!!!

So, I have an application with a lender pending and am waiting for my preapproval letter.  I'm getting a mortgage based only on my income, which is less than princely; my husband makes twice what I do but because of some wrangling with US Bank 18 months ago he can't be on the loan.  I have two cc's with balances, and the minimum payments on those total $56/month.   I'm looking at a 225k purchase price, 160-ish loan amount, 3.875% rate.  My question is, how much more would the $56 get me on a loan amount if I paid off my cards?  The balances aren't huge, obviously.  If I have no minimum monthly payments (no car, no student loans, nothing else) would they figure in 43% of my income?  I don't know how much, if any, difference the $56 a month would make, but if it will help squeeze an extra few thousand into my loan amount eligibility, I'd be able to do it. Mortgage math is hard, lol!  Any input would be much appreciated.

There are plenty of amortization calculators on The Google where you can test out scenarios such as these. :-)

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