Computations based on a sale price of				$150,000
						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
150,000	7,500	142,500	92.63	218.75	250.00	686.85	726.75	768.08	810.83	855.00	900.60	947.63	996.08	1045.95	1095.83	1147.13	1198.43	1251.15
PITI		5% Dwn				1248.23	1288.13	1329.45	1372.20	1416.38	1461.98	1509.00	1557.45	1607.33	1657.20	1708.50	1759.80	1812.53
28%						4457.95	4600.45	4748.04	4900.71	5058.48	5221.34	5389.29	5562.32	5740.45	5918.57	6101.79	6285.00	6473.30
YrIncome						53,495	55,205	56,976	58,809	60,702	62,656	64,671	66,748	68,885	71,023	73,221	75,420	77,680
36%						1604.86	1656.16	1709.29	1764.26	1821.05	1879.68	1940.14	2002.44	2066.56	2130.69	2196.64	2262.60	2330.39
MaxDebt/Mth						356.64	368.04	379.84	392.06	404.68	417.71	431.14	444.99	459.24	473.49	488.14	502.80	517.86
	Remember	Est. Closing Costs>>>>		10,500
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
150,000	15,000	135,000	58.50	218.75	250.00	650.70	688.50	727.65	768.15	810.00	853.20	897.75	943.65	990.90	1038.15	1086.75	1135.35	1185.30
PITI		10%Dwn				1177.95	1215.75	1254.90	1295.40	1337.25	1380.45	1425.00	1470.90	1518.15	1565.40	1614.00	1662.60	1712.55
28%						4206.96	4341.96	4481.79	4626.43	4775.89	4930.18	5089.29	5253.21	5421.96	5590.71	5764.29	5937.86	6116.25
YrIncome						50,484	52,104	53,781	55,517	57,311	59,162	61,071	63,039	65,064	67,089	69,171	71,254	73,395
36%						1514.51	1563.11	1613.44	1665.51	1719.32	1774.86	1832.14	1891.16	1951.91	2012.66	2075.14	2137.63	2201.85
MaxDebt/Mth						336.56	347.36	358.54	370.11	382.07	394.41	407.14	420.26	433.76	447.26	461.14	475.03	489.30
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
150,000	22,500	127,500	34.00	218.75	250.00	614.55	650.25	687.23	725.48	765.00	805.80	847.88	891.23	935.85	980.48	1026.38	1072.28	1119.45
PITI		15%Dwn				1117.30	1153.00	1189.98	1228.23	1267.75	1308.55	1350.63	1393.98	1438.60	1483.23	1529.13	1575.03	1622.20
28%						3990.36	4117.86	4249.91	4386.52	4527.68	4673.39	4823.66	4978.48	5137.86	5297.23	5461.16	5625.09	5793.57
YrIncome						47,884	49,414	50,999	52,638	54,332	56,081	57,884	59,742	61,654	63,567	65,534	67,501	69,523
36%						1436.53	1482.43	1529.97	1579.15	1629.96	1682.42	1736.52	1792.25	1849.63	1907.00	1966.02	2025.03	2085.69
MaxDebt/Mth						319.23	329.43	339.99	350.92	362.21	373.87	385.89	398.28	411.03	423.78	436.89	450.01	463.49
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
150,000	30,000	120,000	0.00	218.75	250.00	578.40	612.00	646.80	682.80	720.00	758.40	798.00	838.80	880.80	922.80	966.00	1009.20	1053.60
PITI		20%Dwn				1047.15	1080.75	1115.55	1151.55	1188.75	1227.15	1266.75	1307.55	1349.55	1391.55	1434.75	1477.95	1522.35
28%						3739.82	3859.82	3984.11	4112.68	4245.54	4382.68	4524.11	4669.82	4819.82	4969.82	5124.11	5278.39	5436.96
YrIncome						44,878	46,318	47,809	49,352	50,946	52,592	54,289	56,038	57,838	59,638	61,489	63,341	65,244
36%						1346.34	1389.54	1434.28	1480.56	1528.39	1577.76	1628.68	1681.14	1735.14	1789.14	1844.68	1900.22	1957.31
MaxDebt/Mth						299.19	308.79	318.73	329.01	339.64	350.61	361.93	373.59	385.59	397.59	409.93	422.27	434.96
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
150,000	37,500	112,500	0.00	218.75	250.00	542.25	573.75	606.38	640.13	675.00	711.00	748.13	786.38	825.75	865.13	905.63	946.13	987.75
PITI		25%Dwn				1011.00	1042.50	1075.13	1108.88	1143.75	1179.75	1216.88	1255.13	1294.50	1333.88	1374.38	1414.88	1456.50
28%						3610.71	3723.21	3839.73	3960.27	4084.82	4213.39	4345.98	4482.59	4623.21	4763.84	4908.48	5053.13	5201.79
YrIncome						43,329	44,679	46,077	47,523	49,018	50,561	52,152	53,791	55,479	57,166	58,902	60,638	62,421
36%						1299.86	1340.36	1382.30	1425.70	1470.54	1516.82	1564.55	1613.73	1664.36	1714.98	1767.05	1819.13	1872.64
MaxDebt/Mth						288.86	297.86	307.18	316.82	326.79	337.07	347.68	358.61	369.86	381.11	392.68	404.25	416.14
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
150,000	45,000	105,000	0.00	218.75	250.00	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		30%Dwn				974.85	1004.25	1034.70	1066.20	1098.75	1132.35	1167.00	1202.70	1239.45	1276.20	1314.00	1351.80	1390.65
28%						3481.61	3586.61	3695.36	3807.86	3924.11	4044.11	4167.86	4295.36	4426.61	4557.86	4692.86	4827.86	4966.61
YrIncome						41,779	43,039	44,344	45,694	47,089	48,529	50,014	51,544	53,119	54,694	56,314	57,934	59,599
36%						1253.38	1291.18	1330.33	1370.83	1412.68	1455.88	1500.43	1546.33	1593.58	1640.83	1689.43	1738.03	1787.98
MaxDebt/Mth						278.53	286.93	295.63	304.63	313.93	323.53	333.43	343.63	354.13	364.63	375.43	386.23	397.33
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
150,000	52,500	97,500	0.00	218.75	250.00	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		35%Dwn				938.70	966.00	994.28	1023.53	1053.75	1084.95	1117.13	1150.28	1184.40	1218.53	1253.63	1288.73	1324.80
28%						3352.50	3450.00	3550.98	3655.45	3763.39	3874.82	3989.73	4108.13	4230.00	4351.88	4477.23	4602.59	4731.43
YrIncome						40,230	41,400	42,612	43,865	45,161	46,498	47,877	49,298	50,760	52,223	53,727	55,231	56,777
36%						1206.90	1242.00	1278.35	1315.96	1354.82	1394.94	1436.30	1478.93	1522.80	1566.68	1611.80	1656.93	1703.31
MaxDebt/Mth						268.20	276.00	284.08	292.44	301.07	309.99	319.18	328.65	338.40	348.15	358.18	368.21	378.51
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
150,000	60,000	90,000	0.00	218.75	250.00	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		40%Dwn				902.55	927.75	953.85	980.85	1008.75	1037.55	1067.25	1097.85	1129.35	1160.85	1193.25	1225.65	1258.95
28%						3223.39	3313.39	3406.61	3503.04	3602.68	3705.54	3811.61	3920.89	4033.39	4145.89	4261.61	4377.32	4496.25
YrIncome						38,681	39,761	40,879	42,036	43,232	44,466	45,739	47,051	48,401	49,751	51,139	52,528	53,955
36%						1160.42	1192.82	1226.38	1261.09	1296.96	1333.99	1372.18	1411.52	1452.02	1492.52	1534.18	1575.84	1618.65
MaxDebt/Mth						257.87	265.07	272.53	280.24	288.21	296.44	304.93	313.67	322.67	331.67	340.93	350.19	359.70
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
150,000	67,500	82,500	0.00	218.75	250.00	397.65	420.75	444.68	469.43	495.00	521.40	548.63	576.68	605.55	634.43	664.13	693.83	724.35
PITI		45%Dwn				866.40	889.50	913.43	938.18	963.75	990.15	1017.38	1045.43	1074.30	1103.18	1132.88	1162.58	1193.10
28%						3094.29	3176.79	3262.23	3350.63	3441.96	3536.25	3633.48	3733.66	3836.79	3939.91	4045.98	4152.05	4261.07
YrIncome						37,131	38,121	39,147	40,208	41,304	42,435	43,602	44,804	46,041	47,279	48,552	49,825	51,133
36%						1113.94	1143.64	1174.40	1206.23	1239.11	1273.05	1308.05	1344.12	1381.24	1418.37	1456.55	1494.74	1533.99
MaxDebt/Mth						247.54	254.14	260.98	268.05	275.36	282.90	290.68	298.69	306.94	315.19	323.68	332.16	340.89
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
150,000	75,000	75,000	0.00	218.75	250.00	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		50%Dwn				830.25	851.25	873.00	895.50	918.75	942.75	967.50	993.00	1019.25	1045.50	1072.50	1099.50	1127.25
28%						2965.18	3040.18	3117.86	3198.21	3281.25	3366.96	3455.36	3546.43	3640.18	3733.93	3830.36	3926.79	4025.89
YrIncome						35,582	36,482	37,414	38,379	39,375	40,404	41,464	42,557	43,682	44,807	45,964	47,121	48,311
36%						1067.46	1094.46	1122.43	1151.36	1181.25	1212.11	1243.93	1276.71	1310.46	1344.21	1378.93	1413.64	1449.32
MaxDebt/Mth						237.21	243.21	249.43	255.86	262.50	269.36	276.43	283.71	291.21	298.71	306.43	314.14	322.07