Computations based on a sale price of				$130,000
						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
130,000	6,500	123,500	80.28	189.58	216.67	595.27	629.85	665.67	702.72	741.00	780.52	821.28	863.27	906.49	949.72	994.18	1038.64	1084.33
PITI		5% Dwn				1081.80	1116.38	1152.19	1189.24	1227.53	1267.05	1307.80	1349.79	1393.02	1436.24	1480.70	1525.16	1570.86
28%						3863.55	3987.05	4114.96	4247.29	4384.02	4525.16	4670.71	4820.68	4975.05	5129.43	5288.21	5447.00	5610.20
YrIncome						46,363	47,845	49,380	50,967	52,608	54,302	56,049	57,848	59,701	61,553	63,459	65,364	67,322
36%						1390.88	1435.34	1481.39	1529.02	1578.25	1629.06	1681.46	1735.44	1791.02	1846.59	1903.76	1960.92	2019.67
MaxDebt/Mth						309.08	318.96	329.20	339.78	350.72	362.01	373.66	385.65	398.00	410.35	423.06	435.76	448.82
	Remember	Est. Closing Costs>>>>		9,100
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
130,000	13,000	117,000	50.70	189.58	216.67	563.94	596.70	630.63	665.73	702.00	739.44	778.05	817.83	858.78	899.73	941.85	983.97	1027.26
PITI		10%Dwn				1020.89	1053.65	1087.58	1122.68	1158.95	1196.39	1235.00	1274.78	1315.73	1356.68	1398.80	1440.92	1484.21
28%						3646.04	3763.04	3884.21	4009.57	4139.11	4272.82	4410.71	4552.79	4699.04	4845.29	4995.71	5146.14	5300.75
YrIncome						43,752	45,156	46,611	48,115	49,669	51,274	52,929	54,633	56,388	58,143	59,949	61,754	63,609
36%						1312.57	1354.69	1398.32	1443.45	1490.08	1538.22	1587.86	1639.00	1691.65	1744.30	1798.46	1852.61	1908.27
MaxDebt/Mth						291.68	301.04	310.74	320.77	331.13	341.83	352.86	364.22	375.92	387.62	399.66	411.69	424.06
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
130,000	19,500	110,500	29.47	189.58	216.67	532.61	563.55	595.60	628.75	663.00	698.36	734.83	772.40	811.07	849.75	889.53	929.31	970.19
PITI		15%Dwn				968.33	999.27	1031.31	1064.46	1098.72	1134.08	1170.54	1208.11	1246.79	1285.46	1325.24	1365.02	1405.91
28%						3458.31	3568.81	3683.26	3801.65	3923.99	4050.27	4180.51	4314.68	4452.81	4590.93	4733.01	4875.08	5021.10
YrIncome						41,500	42,826	44,199	45,620	47,088	48,603	50,166	51,776	53,434	55,091	56,796	58,501	60,253
36%						1244.99	1284.77	1325.97	1368.59	1412.64	1458.10	1504.98	1553.29	1603.01	1652.74	1703.88	1755.03	1807.59
MaxDebt/Mth						276.66	285.50	294.66	304.13	313.92	324.02	334.44	345.17	356.22	367.27	378.64	390.01	401.69
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
130,000	26,000	104,000	0.00	189.58	216.67	501.28	530.40	560.56	591.76	624.00	657.28	691.60	726.96	763.36	799.76	837.20	874.64	913.12
PITI		20%Dwn				907.53	936.65	966.81	998.01	1030.25	1063.53	1097.85	1133.21	1169.61	1206.01	1243.45	1280.89	1319.37
28%						3241.18	3345.18	3452.89	3564.32	3679.46	3798.32	3920.89	4047.18	4177.18	4307.18	4440.89	4574.61	4712.04
YrIncome						38,894	40,142	41,435	42,772	44,154	45,580	47,051	48,566	50,126	51,686	53,291	54,895	56,544
36%						1166.82	1204.26	1243.04	1283.16	1324.61	1367.40	1411.52	1456.98	1503.78	1550.58	1598.72	1646.86	1696.33
MaxDebt/Mth						259.29	267.61	276.23	285.15	294.36	303.87	313.67	323.77	334.17	344.57	355.27	365.97	376.96
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
130,000	32,500	97,500	0.00	189.58	216.67	469.95	497.25	525.53	554.78	585.00	616.20	648.38	681.53	715.65	749.78	784.88	819.98	856.05
PITI		25%Dwn				876.20	903.50	931.78	961.03	991.25	1022.45	1054.63	1087.78	1121.90	1156.03	1191.13	1226.23	1262.30
28%						3129.29	3226.79	3327.77	3432.23	3540.18	3651.61	3766.52	3884.91	4006.79	4128.66	4254.02	4379.38	4508.21
YrIncome						37,551	38,721	39,933	41,187	42,482	43,819	45,198	46,619	48,081	49,544	51,048	52,553	54,099
36%						1126.54	1161.64	1198.00	1235.60	1274.46	1314.58	1355.95	1398.57	1442.44	1486.32	1531.45	1576.58	1622.96
MaxDebt/Mth						250.34	258.14	266.22	274.58	283.21	292.13	301.32	310.79	320.54	330.29	340.32	350.35	360.66
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
130,000	39,000	91,000	0.00	189.58	216.67	438.62	464.10	490.49	517.79	546.00	575.12	605.15	636.09	667.94	699.79	732.55	765.31	798.98
PITI		30%Dwn				844.87	870.35	896.74	924.04	952.25	981.37	1011.40	1042.34	1074.19	1106.04	1138.80	1171.56	1205.23
28%						3017.39	3108.39	3202.64	3300.14	3400.89	3504.89	3612.14	3722.64	3836.39	3950.14	4067.14	4184.14	4304.39
YrIncome						36,209	37,301	38,432	39,602	40,811	42,059	43,346	44,672	46,037	47,402	48,806	50,210	51,653
36%						1086.26	1119.02	1152.95	1188.05	1224.32	1261.76	1300.37	1340.15	1381.10	1422.05	1464.17	1506.29	1549.58
MaxDebt/Mth						241.39	248.67	256.21	264.01	272.07	280.39	288.97	297.81	306.91	316.01	325.37	334.73	344.35
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
130,000	45,500	84,500	0.00	189.58	216.67	407.29	430.95	455.46	480.81	507.00	534.04	561.93	590.66	620.23	649.81	680.23	710.65	741.91
PITI		35%Dwn				813.54	837.20	861.71	887.06	913.25	940.29	968.18	996.91	1026.48	1056.06	1086.48	1116.90	1148.16
28%						2905.50	2990.00	3077.52	3168.05	3261.61	3358.18	3457.77	3560.38	3666.00	3771.63	3880.27	3988.91	4100.57
YrIncome						34,866	35,880	36,930	38,017	39,139	40,298	41,493	42,725	43,992	45,260	46,563	47,867	49,207
36%						1045.98	1076.40	1107.91	1140.50	1174.18	1208.94	1244.80	1281.74	1319.76	1357.79	1396.90	1436.01	1476.21
MaxDebt/Mth						232.44	239.20	246.20	253.44	260.93	268.65	276.62	284.83	293.28	301.73	310.42	319.11	328.05
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
130,000	52,000	78,000	0.00	189.58	216.67	375.96	397.80	420.42	443.82	468.00	492.96	518.70	545.22	572.52	599.82	627.90	655.98	684.84
PITI		40%Dwn				782.21	804.05	826.67	850.07	874.25	899.21	924.95	951.47	978.77	1006.07	1034.15	1062.23	1091.09
28%						2793.61	2871.61	2952.39	3035.96	3122.32	3211.46	3303.39	3398.11	3495.61	3593.11	3693.39	3793.68	3896.75
YrIncome						33,523	34,459	35,429	36,432	37,468	38,538	39,641	40,777	41,947	43,117	44,321	45,524	46,761
36%						1005.70	1033.78	1062.86	1092.95	1124.04	1156.13	1189.22	1223.32	1258.42	1293.52	1329.62	1365.72	1402.83
MaxDebt/Mth						223.49	229.73	236.19	242.88	249.79	256.92	264.27	271.85	279.65	287.45	295.47	303.49	311.74
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
130,000	58,500	71,500	0.00	189.58	216.67	344.63	364.65	385.39	406.84	429.00	451.88	475.48	499.79	524.81	549.84	575.58	601.32	627.77
PITI		45%Dwn				750.88	770.90	791.64	813.09	835.25	858.13	881.73	906.04	931.06	956.09	981.83	1007.57	1034.02
28%						2681.71	2753.21	2827.27	2903.88	2983.04	3064.75	3149.02	3235.84	3325.21	3414.59	3506.52	3598.45	3692.93
YrIncome						32,181	33,039	33,927	34,847	35,796	36,777	37,788	38,830	39,903	40,975	42,078	43,181	44,315
36%						965.42	991.16	1017.82	1045.40	1073.89	1103.31	1133.65	1164.90	1197.08	1229.25	1262.35	1295.44	1329.45
MaxDebt/Mth						214.54	220.26	226.18	232.31	238.64	245.18	251.92	258.87	266.02	273.17	280.52	287.88	295.43
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
130,000	65,000	65,000	0.00	189.58	216.67	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		50%Dwn				719.55	737.75	756.60	776.10	796.25	817.05	838.50	860.60	883.35	906.10	929.50	952.90	976.95
28%						2569.82	2634.82	2702.14	2771.79	2843.75	2918.04	2994.64	3073.57	3154.82	3236.07	3319.64	3403.21	3489.11
YrIncome						30,838	31,618	32,426	33,261	34,125	35,016