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Our LO just used the minimum payment. He didn't mention balances. But I guess the balances effect your score so if they wanted you to bring your score up they'd probably mention lowring some balances.
It's always the minimum required payment showing on the most recent credit report. Which is why even if you pay your credit card bills in full each month and don't carry any debt, they will still affect your DTI ... unless you pay the bills before the statement cuts.
If this is a purchase, the seller would make the repairs. If you have agreed to make repairs at your expense so the property qualifies for the mortgage then any charge you add to the cc's will be counted in your DTI. Just to be clear, it is the min monthly payment on your cc's that is used to calculate the DTI + the new housing payment.