Computations based on a sale price of				$140,000
						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
140,000	7,000	133,000	86.45	204.17	233.33	641.06	678.30	716.87	756.77	798.00	840.56	884.45	929.67	976.22	1022.77	1070.65	1118.53	1167.74
PITI		5% Dwn				1165.01	1202.25	1240.82	1280.72	1321.95	1364.51	1408.40	1453.62	1500.17	1546.72	1594.60	1642.48	1691.69
28%						4160.75	4293.75	4431.50	4574.00	4721.25	4873.25	5030.00	5191.50	5357.75	5524.00	5695.00	5866.00	6041.75
YrIncome						49,929	51,525	53,178	54,888	56,655	58,479	60,360	62,298	64,293	66,288	68,340	70,392	72,501
36%						1497.87	1545.75	1595.34	1646.64	1699.65	1754.37	1810.80	1868.94	1928.79	1988.64	2050.20	2111.76	2175.03
MaxDebt/Mth						332.86	343.50	354.52	365.92	377.70	389.86	402.40	415.32	428.62	441.92	455.60	469.28	483.34
	Remember	Est. Closing Costs>>>>		9,800
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
140,000	14,000	126,000	54.60	204.17	233.33	607.32	642.60	679.14	716.94	756.00	796.32	837.90	880.74	924.84	968.94	1014.30	1059.66	1106.28
PITI		10%Dwn				1099.42	1134.70	1171.24	1209.04	1248.10	1288.42	1330.00	1372.84	1416.94	1461.04	1506.40	1551.76	1598.38
28%						3926.50	4052.50	4183.00	4318.00	4457.50	4601.50	4750.00	4903.00	5060.50	5218.00	5380.00	5542.00	5708.50
YrIncome						47,118	48,630	50,196	51,816	53,490	55,218	57,000	58,836	60,726	62,616	64,560	66,504	68,502
36%						1413.54	1458.90	1505.88	1554.48	1604.70	1656.54	1710.00	1765.08	1821.78	1878.48	1936.80	1995.12	2055.06
MaxDebt/Mth						314.12	324.20	334.64	345.44	356.60	368.12	380.00	392.24	404.84	417.44	430.40	443.36	456.68
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
140,000	21,000	119,000	31.73	204.17	233.33	573.58	606.90	641.41	677.11	714.00	752.08	791.35	831.81	873.46	915.11	957.95	1000.79	1044.82
PITI		15%Dwn				1042.81	1076.13	1110.64	1146.34	1183.23	1221.31	1260.58	1301.04	1342.69	1384.34	1427.18	1470.02	1514.05
28%						3724.33	3843.33	3966.58	4094.08	4225.83	4361.83	4502.08	4646.58	4795.33	4944.08	5097.08	5250.08	5407.33
YrIncome						44,692	46,120	47,599	49,129	50,710	52,342	54,025	55,759	57,544	59,329	61,165	63,001	64,888
36%						1340.76	1383.60	1427.97	1473.87	1521.30	1570.26	1620.75	1672.77	1726.32	1779.87	1834.95	1890.03	1946.64
MaxDebt/Mth						297.95	307.47	317.33	327.53	338.07	348.95	360.17	371.73	383.63	395.53	407.77	420.01	432.59
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
140,000	28,000	112,000	0.00	204.17	233.33	539.84	571.20	603.68	637.28	672.00	707.84	744.80	782.88	822.08	861.28	901.60	941.92	983.36
PITI		20%Dwn				977.34	1008.70	1041.18	1074.78	1109.50	1145.34	1182.30	1220.38	1259.58	1298.78	1339.10	1379.42	1420.86
28%						3490.50	3602.50	3718.50	3838.50	3962.50	4090.50	4222.50	4358.50	4498.50	4638.50	4782.50	4926.50	5074.50
YrIncome						41,886	43,230	44,622	46,062	47,550	49,086	50,670	52,302	53,982	55,662	57,390	59,118	60,894
36%						1256.58	1296.90	1338.66	1381.86	1426.50	1472.58	1520.10	1569.06	1619.46	1669.86	1721.70	1773.54	1826.82
MaxDebt/Mth						279.24	288.20	297.48	307.08	317.00	327.24	337.80	348.68	359.88	371.08	382.60	394.12	405.96
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
140,000	35,000	105,000	0.00	204.17	233.33	506.10	535.50	565.95	597.45	630.00	663.60	698.25	733.95	770.70	807.45	845.25	883.05	921.90
PITI		25%Dwn				943.60	973.00	1003.45	1034.95	1067.50	1101.10	1135.75	1171.45	1208.20	1244.95	1282.75	1320.55	1359.40
28%						3370.00	3475.00	3583.75	3696.25	3812.50	3932.50	4056.25	4183.75	4315.00	4446.25	4581.25	4716.25	4855.00
YrIncome						40,440	41,700	43,005	44,355	45,750	47,190	48,675	50,205	51,780	53,355	54,975	56,595	58,260
36%						1213.20	1251.00	1290.15	1330.65	1372.50	1415.70	1460.25	1506.15	1553.40	1600.65	1649.25	1697.85	1747.80
MaxDebt/Mth						269.60	278.00	286.70	295.70	305.00	314.60	324.50	334.70	345.20	355.70	366.50	377.30	388.40
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
140,000	42,000	98,000	0.00	204.17	233.33	472.36	499.80	528.22	557.62	588.00	619.36	651.70	685.02	719.32	753.62	788.90	824.18	860.44
PITI		30%Dwn				909.86	937.30	965.72	995.12	1025.50	1056.86	1089.20	1122.52	1156.82	1191.12	1226.40	1261.68	1297.94
28%						3249.50	3347.50	3449.00	3554.00	3662.50	3774.50	3890.00	4009.00	4131.50	4254.00	4380.00	4506.00	4635.50
YrIncome						38,994	40,170	41,388	42,648	43,950	45,294	46,680	48,108	49,578	51,048	52,560	54,072	55,626
36%						1169.82	1205.10	1241.64	1279.44	1318.50	1358.82	1400.40	1443.24	1487.34	1531.44	1576.80	1622.16	1668.78
MaxDebt/Mth						259.96	267.80	275.92	284.32	293.00	301.96	311.20	320.72	330.52	340.32	350.40	360.48	370.84
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
140,000	49,000	91,000	0.00	204.17	233.33	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		35%Dwn				876.12	901.60	927.99	955.29	983.50	1012.62	1042.65	1073.59	1105.44	1137.29	1170.05	1202.81	1236.48
28%						3129.00	3220.00	3314.25	3411.75	3512.50	3616.50	3723.75	3834.25	3948.00	4061.75	4178.75	4295.75	4416.00
YrIncome						37,548	38,640	39,771	40,941	42,150	43,398	44,685	46,011	47,376	48,741	50,145	51,549	52,992
36%						1126.44	1159.20	1193.13	1228.23	1264.50	1301.94	1340.55	1380.33	1421.28	1462.23	1504.35	1546.47	1589.76
MaxDebt/Mth						250.32	257.60	265.14	272.94	281.00	289.32	297.90	306.74	315.84	324.94	334.30	343.66	353.28
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
140,000	56,000	84,000	0.00	204.17	233.33	404.88	428.40	452.76	477.96	504.00	530.88	558.60	587.16	616.56	645.96	676.20	706.44	737.52
PITI		40%Dwn				842.38	865.90	890.26	915.46	941.50	968.38	996.10	1024.66	1054.06	1083.46	1113.70	1143.94	1175.02
28%						3008.50	3092.50	3179.50	3269.50	3362.50	3458.50	3557.50	3659.50	3764.50	3869.50	3977.50	4085.50	4196.50
YrIncome						36,102	37,110	38,154	39,234	40,350	41,502	42,690	43,914	45,174	46,434	47,730	49,026	50,358
36%						1083.06	1113.30	1144.62	1177.02	1210.50	1245.06	1280.70	1317.42	1355.22	1393.02	1431.90	1470.78	1510.74
MaxDebt/Mth						240.68	247.40	254.36	261.56	269.00	276.68	284.60	292.76	301.16	309.56	318.20	326.84	335.72
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
140,000	63,000	77,000	0.00	204.17	233.33	371.14	392.70	415.03	438.13	462.00	486.64	512.05	538.23	565.18	592.13	619.85	647.57	676.06
PITI		45%Dwn				808.64	830.20	852.53	875.63	899.50	924.14	949.55	975.73	1002.68	1029.63	1057.35	1085.07	1113.56
28%						2888.00	2965.00	3044.75	3127.25	3212.50	3300.50	3391.25	3484.75	3581.00	3677.25	3776.25	3875.25	3977.00
YrIncome						34,656	35,580	36,537	37,527	38,550	39,606	40,695	41,817	42,972	44,127	45,315	46,503	47,724
36%						1039.68	1067.40	1096.11	1125.81	1156.50	1188.18	1220.85	1254.51	1289.16	1323.81	1359.45	1395.09	1431.72
MaxDebt/Mth						231.04	237.20	243.58	250.18	257.00	264.04	271.30	278.78	286.48	294.18	302.10	310.02	318.16
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
140,000	70,000	70,000	0.00	204.17	233.33	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		50%Dwn				774.90	794.50	814.80	835.80	857.50	879.90	903.00	926.80	951.30	975.80	1001.00	1026.20	1052.10
28%						2767.50	2837.50	2910.00	2985.00	3062.50	3142.50	3225.00	3310.00	3397.50	3485.00	3575.00	3665.00	3757.50
YrIncome						33,210	34,050	34,920	35,820	36,750	37,710	38,700	39,720	40,770	41,820	42,900	43,980	45,090
36%						996.30	1021.50	1047.60	1074.60	1102.50	1131.30	1161.00	1191.60	1223.10	1254.60	1287.00	1319.40	1352.70
MaxDebt/Mth						221.40	227.00	232.80	238.80	245.00	251.40	258.00	264.80	271.80	278.80	286.00	293.20	300.60