Computations based on a sale price of				$100,000
						Calculations based on 30 year conventional loan
						Insurance estimated at 1.75% of sales price / 12 for a monthly figure
						Taxes estimated at 2.00% of sales price / 12 for a monthly figure
						PITI line is arrived at by adding the Loan Pmt ( found directly beneath the interest rate )
						and adding the estimated monthly Insurance and Taxes amounts
						and PMI (Private Mortgage Insurance) if down payment is less than 20%
						copyright © 1998-2004; Richard C. Decker, P.A. RE/MAX Partners
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	10.00
100,000	5,000	95,000	61.75	145.83	166.67	457.90	484.50	512.05	540.55	570.00	600.40	631.75	664.05	697.30	730.55	764.75	798.95	834.10
PITI		5% Dwn				832.15	858.75	886.30	914.80	944.25	974.65	1006.00	1038.30	1071.55	1104.80	1139.00	1173.20	1208.35
28%						2971.96	3066.96	3165.36	3267.14	3372.32	3480.89	3592.86	3708.21	3826.96	3945.71	4067.86	4190.00	4315.54
YrIncome						35,664	36,804	37,984	39,206	40,468	41,771	43,114	44,499	45,924	47,349	48,814	50,280	51,786
36%						1069.91	1104.11	1139.53	1176.17	1214.04	1253.12	1293.43	1334.96	1377.71	1420.46	1464.43	1508.40	1553.59
MaxDebt/Mth						237.76	245.36	253.23	261.37	269.79	278.47	287.43	296.66	306.16	315.66	325.43	335.20	345.24
	Remember	Est. Closing Costs>>>>		7,000
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	10,000	90,000	39.00	145.83	166.67	433.80	459.00	485.10	512.10	540.00	568.80	598.50	629.10	660.60	692.10	724.50	756.90	790.20
PITI		10%Dwn				785.30	810.50	836.60	863.60	891.50	920.30	950.00	980.60	1012.10	1043.60	1076.00	1108.40	1141.70
28%						2804.64	2894.64	2987.86	3084.29	3183.93	3286.79	3392.86	3502.14	3614.64	3727.14	3842.86	3958.57	4077.50
YrIncome						33,656	34,736	35,854	37,011	38,207	39,441	40,714	42,026	43,376	44,726	46,114	47,503	48,930
36%						1009.67	1042.07	1075.63	1110.34	1146.21	1183.24	1221.43	1260.77	1301.27	1341.77	1383.43	1425.09	1467.90
MaxDebt/Mth						224.37	231.57	239.03	246.74	254.71	262.94	271.43	280.17	289.17	298.17	307.43	316.69	326.20
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	15,000	85,000	22.67	145.83	166.67	409.70	433.50	458.15	483.65	510.00	537.20	565.25	594.15	623.90	653.65	684.25	714.85	746.30
PITI		15%Dwn				744.87	768.67	793.32	818.82	845.17	872.37	900.42	929.32	959.07	988.82	1019.42	1050.02	1081.47
28%						2660.24	2745.24	2833.27	2924.35	3018.45	3115.60	3215.77	3318.99	3425.24	3531.49	3640.77	3750.06	3862.38
YrIncome						31,923	32,943	33,999	35,092	36,221	37,387	38,589	39,828	41,103	42,378	43,689	45,001	46,349
36%						957.69	988.29	1019.98	1052.76	1086.64	1121.61	1157.68	1194.84	1233.09	1271.34	1310.68	1350.02	1390.46
MaxDebt/Mth						212.82	219.62	226.66	233.95	241.48	249.25	257.26	265.52	274.02	282.52	291.26	300.00	308.99
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	20,000	80,000	0.00	145.83	166.67	385.60	408.00	431.20	455.20	480.00	505.60	532.00	559.20	587.20	615.20	644.00	672.80	702.40
PITI		20%Dwn				698.10	720.50	743.70	767.70	792.50	818.10	844.50	871.70	899.70	927.70	956.50	985.30	1014.90
28%						2493.21	2573.21	2656.07	2741.79	2830.36	2921.79	3016.07	3113.21	3213.21	3313.21	3416.07	3518.93	3624.64
YrIncome						29,919	30,879	31,873	32,901	33,964	35,061	36,193	37,359	38,559	39,759	40,993	42,227	43,496
36%						897.56	926.36	956.19	987.04	1018.93	1051.84	1085.79	1120.76	1156.76	1192.76	1229.79	1266.81	1304.87
MaxDebt/Mth						199.46	205.86	212.49	219.34	226.43	233.74	241.29	249.06	257.06	265.06	273.29	281.51	289.97
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	25,000	75,000	0.00	145.83	166.67	361.50	382.50	404.25	426.75	450.00	474.00	498.75	524.25	550.50	576.75	603.75	630.75	658.50
PITI		25%Dwn				674.00	695.00	716.75	739.25	762.50	786.50	811.25	836.75	863.00	889.25	916.25	943.25	971.00
28%						2407.14	2482.14	2559.82	2640.18	2723.21	2808.93	2897.32	2988.39	3082.14	3175.89	3272.32	3368.75	3467.86
YrIncome						28,886	29,786	30,718	31,682	32,679	33,707	34,768	35,861	36,986	38,111	39,268	40,425	41,614
36%						866.57	893.57	921.54	950.46	980.36	1011.21	1043.04	1075.82	1109.57	1143.32	1178.04	1212.75	1248.43
MaxDebt/Mth						192.57	198.57	204.79	211.21	217.86	224.71	231.79	239.07	246.57	254.07	261.79	269.50	277.43
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	30,000	70,000	0.00	145.83	166.67	337.40	357.00	377.30	398.30	420.00	442.40	465.50	489.30	513.80	538.30	563.50	588.70	614.60
PITI		30%Dwn				649.90	669.50	689.80	710.80	732.50	754.90	778.00	801.80	826.30	850.80	876.00	901.20	927.10
28%						2321.07	2391.07	2463.57	2538.57	2616.07	2696.07	2778.57	2863.57	2951.07	3038.57	3128.57	3218.57	3311.07
YrIncome						27,853	28,693	29,563	30,463	31,393	32,353	33,343	34,363	35,413	36,463	37,543	38,623	39,733
36%						835.59	860.79	886.89	913.89	941.79	970.59	1000.29	1030.89	1062.39	1093.89	1126.29	1158.69	1191.99
MaxDebt/Mth						185.69	191.29	197.09	203.09	209.29	215.69	222.29	229.09	236.09	243.09	250.29	257.49	264.89
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	35,000	65,000	0.00	145.83	166.67	313.30	331.50	350.35	369.85	390.00	410.80	432.25	454.35	477.10	499.85	523.25	546.65	570.70
PITI		35%Dwn				625.80	644.00	662.85	682.35	702.50	723.30	744.75	766.85	789.60	812.35	835.75	859.15	883.20
28%						2235.00	2300.00	2367.32	2436.96	2508.93	2583.21	2659.82	2738.75	2820.00	2901.25	2984.82	3068.39	3154.29
YrIncome						26,820	27,600	28,408	29,244	30,107	30,999	31,918	32,865	33,840	34,815	35,818	36,821	37,851
36%						804.60	828.00	852.24	877.31	903.21	929.96	957.54	985.95	1015.20	1044.45	1074.54	1104.62	1135.54
MaxDebt/Mth						178.80	184.00	189.39	194.96	200.71	206.66	212.79	219.10	225.60	232.10	238.79	245.47	252.34
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	40,000	60,000	0.00	145.83	166.67	289.20	306.00	323.40	341.40	360.00	379.20	399.00	419.40	440.40	461.40	483.00	504.60	526.80
PITI		40%Dwn				601.70	618.50	635.90	653.90	672.50	691.70	711.50	731.90	752.90	773.90	795.50	817.10	839.30
28%						2148.93	2208.93	2271.07	2335.36	2401.79	2470.36	2541.07	2613.93	2688.93	2763.93	2841.07	2918.21	2997.50
YrIncome						25,787	26,507	27,253	28,024	28,821	29,644	30,493	31,367	32,267	33,167	34,093	35,019	35,970
36%						773.61	795.21	817.59	840.73	864.64	889.33	914.79	941.01	968.01	995.01	1022.79	1050.56	1079.10
MaxDebt/Mth						171.91	176.71	181.69	186.83	192.14	197.63	203.29	209.11	215.11	221.11	227.29	233.46	239.80
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	45,000	55,000	0.00	145.83	166.67	265.10	280.50	296.45	312.95	330.00	347.60	365.75	384.45	403.70	422.95	442.75	462.55	482.90
PITI		45%Dwn				577.60	593.00	608.95	625.45	642.50	660.10	678.25	696.95	716.20	735.45	755.25	775.05	795.40
28%						2062.86	2117.86	2174.82	2233.75	2294.64	2357.50	2422.32	2489.11	2557.86	2626.61	2697.32	2768.04	2840.71
YrIncome						24,754	25,414	26,098	26,805	27,536	28,290	29,068	29,869	30,694	31,519	32,368	33,216	34,089
36%						742.63	762.43	782.94	804.15	826.07	848.70	872.04	896.08	920.83	945.58	971.04	996.49	1022.66
MaxDebt/Mth						165.03	169.43	173.99	178.70	183.57	188.60	193.79	199.13	204.63	210.13	215.79	221.44	227.26
Price	Down	Loan	PMI/Mth	Ins/Mth	Taxes/Mth	4.00	4.50	5.00	5.50	6.00	6.50	7.00	7.50	8.00	8.50	9.00	9.50	9.50
100,000	50,000	50,000	0.00	145.83	166.67	241.00	255.00	269.50	284.50	300.00	316.00	332.50	349.50	367.00	384.50	402.50	420.50	439.00
PITI		50%Dwn				553.50	567.50	582.00	597.00	612.50	628.50	645.00	662.00	679.50	697.00	715.00	733.00	751.50
28%						1976.79	2026.79	2078.57	2132.14	2187.50	2244.64	2303.57	2364.29	2426.79	2489.29	2553.57	2617.86	2683.93
YrIncome						23,721	24,321	24,943	25,586	26,250	26,936	27,643	28,371	29,121	29,871	30,643	31,414	32,207
36%						711.64	729.64	748.29	767.57	787.50	808.07	829.29	851.14	873.64	896.14	919.29	942.43	966.21
MaxDebt/Mth						158.14	162.14	166.29	170.57	175.00	179.57	184.29	189.14	194.14	199.14	204.29	209.43	214.71