It depends. Frankly, with the current credit crunch, some lenders will use a last-minute "surprise" as an excuse not to fund the loan. However, what will likely happen is that the monthly payment you have agreed to make with the state will be added to your other monthly obligations so that the lender can calculate an accurate debt-to-income ratio for you - if the debt-to-income ratio thus calculated falls within their guidelines, you're golden.
If not, you may have a problem. In that case, your loan officer will need to apply for an exception and potentially even apply for a loan with another lender with a more generous guideline for debt-to-income ratio, but such a loan might have a higher rate or other less desirable terms - if you have to apply for a different loan or use a different lender, make sure you read your good faith estimate so you know what changes you are in for!
If your loan falls apart, and you need a referral to another mortgage broker for any reason, feel free to give me a call or drop me a line - I'd be happy to connect you with a mortgage pro with an incredible track record for finding ethical, honest and smart solutions to such issues: