Computations based on a sale price of				$180,000
						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
180,000	9,000	171,000	111.15	262.50	300.00	824.22	872.10	921.69	972.99	1026.00	1080.72	1137.15	1195.29	1255.14	1314.99	1376.55	1438.11	1501.38
PITI		5% Dwn				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
28%						5349.54	5520.54	5697.64	5880.86	6070.18	6265.61	6467.14	6674.79	6888.54	7102.29	7322.14	7542.00	7767.96
YrIncome						64,194	66,246	68,372	70,570	72,842	75,187	77,606	80,097	82,662	85,227	87,866	90,504	93,216
36%						1925.83	1987.39	2051.15	2117.11	2185.26	2255.62	2328.17	2402.92	2479.87	2556.82	2635.97	2715.12	2796.47
MaxDebt/Mth						427.96	441.64	455.81	470.47	485.61	501.25	517.37	533.98	551.08	568.18	585.77	603.36	621.44
	Remember	Est. Closing Costs>>>>		12,600
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
180,000	18,000	162,000	70.20	262.50	300.00	780.84	826.20	873.18	921.78	972.00	1023.84	1077.30	1132.38	1189.08	1245.78	1304.10	1362.42	1422.36
PITI		10%Dwn				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
28%						5048.36	5210.36	5378.14	5551.71	5731.07	5916.21	6107.14	6303.86	6506.36	6708.86	6917.14	7125.43	7339.50
YrIncome						60,580	62,524	64,538	66,621	68,773	70,995	73,286	75,646	78,076	80,506	83,006	85,505	88,074
36%						1817.41	1875.73	1936.13	1998.62	2063.19	2129.84	2198.57	2269.39	2342.29	2415.19	2490.17	2565.15	2642.22
MaxDebt/Mth						403.87	416.83	430.25	444.14	458.49	473.30	488.57	504.31	520.51	536.71	553.37	570.03	587.16
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
180,000	27,000	153,000	40.80	262.50	300.00	737.46	780.30	824.67	870.57	918.00	966.96	1017.45	1069.47	1123.02	1176.57	1231.65	1286.73	1343.34
PITI		15%Dwn				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
28%						4788.43	4941.43	5099.89	5263.82	5433.21	5608.07	5788.39	5974.18	6165.43	6356.68	6553.39	6750.11	6952.29
YrIncome						57,461	59,297	61,199	63,166	65,199	67,297	69,461	71,690	73,985	76,280	78,641	81,001	83,427
36%						1723.83	1778.91	1835.96	1894.98	1955.96	2018.91	2083.82	2150.70	2219.55	2288.40	2359.22	2430.04	2502.82
MaxDebt/Mth						383.07	395.31	407.99	421.11	434.66	448.65	463.07	477.93	493.23	508.53	524.27	540.01	556.18
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
180,000	36,000	144,000	0.00	262.50	300.00	694.08	734.40	776.16	819.36	864.00	910.08	957.60	1006.56	1056.96	1107.36	1159.20	1211.04	1264.32
PITI		20%Dwn				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
28%						4487.79	4631.79	4780.93	4935.21	5094.64	5259.21	5428.93	5603.79	5783.79	5963.79	6148.93	6334.07	6524.36
YrIncome						53,853	55,581	57,371	59,223	61,136	63,111	65,147	67,245	69,405	71,565	73,787	76,009	78,292
36%						1615.60	1667.44	1721.13	1776.68	1834.07	1893.32	1954.41	2017.36	2082.16	2146.96	2213.61	2280.27	2348.77
MaxDebt/Mth						359.02	370.54	382.47	394.82	407.57	420.74	434.31	448.30	462.70	477.10	491.91	506.73	521.95
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
180,000	45,000	135,000	0.00	262.50	300.00	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		25%Dwn				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
28%						4332.86	4467.86	4607.68	4752.32	4901.79	5056.07	5215.18	5379.11	5547.86	5716.61	5890.18	6063.75	6242.14
YrIncome						51,994	53,614	55,292	57,028	58,821	60,673	62,582	64,549	66,574	68,599	70,682	72,765	74,906
36%						1559.83	1608.43	1658.76	1710.84	1764.64	1820.19	1877.46	1936.48	1997.23	2057.98	2120.46	2182.95	2247.17
MaxDebt/Mth						346.63	357.43	368.61	380.19	392.14	404.49	417.21	430.33	443.83	457.33	471.21	485.10	499.37
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
180,000	54,000	126,000	0.00	262.50	300.00	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		30%Dwn				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
28%						4177.93	4303.93	4434.43	4569.43	4708.93	4852.93	5001.43	5154.43	5311.93	5469.43	5631.43	5793.43	5959.93
YrIncome						50,135	51,647	53,213	54,833	56,507	58,235	60,017	61,853	63,743	65,633	67,577	69,521	71,519
36%						1504.05	1549.41	1596.39	1644.99	1695.21	1747.05	1800.51	1855.59	1912.29	1968.99	2027.31	2085.63	2145.57
MaxDebt/Mth						334.23	344.31	354.75	365.55	376.71	388.23	400.11	412.35	424.95	437.55	450.51	463.47	476.79
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
180,000	63,000	117,000	0.00	262.50	300.00	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		35%Dwn				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
28%						4023.00	4140.00	4261.18	4386.54	4516.07	4649.79	4787.68	4929.75	5076.00	5222.25	5372.68	5523.11	5677.71
YrIncome						48,276	49,680	51,134	52,638	54,193	55,797	57,452	59,157	60,912	62,667	64,472	66,277	68,133
36%						1448.28	1490.40	1534.02	1579.15	1625.79	1673.92	1723.56	1774.71	1827.36	1880.01	1934.16	1988.32	2043.98
MaxDebt/Mth						321.84	331.20	340.89	350.92	361.29	371.98	383.01	394.38	406.08	417.78	429.81	441.85	454.22
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
180,000	72,000	108,000	0.00	262.50	300.00	520.56	550.80	582.12	614.52	648.00	682.56	718.20	754.92	792.72	830.52	869.40	908.28	948.24
PITI		40%Dwn				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
28%						3868.07	3976.07	4087.93	4203.64	4323.21	4446.64	4573.93	4705.07	4840.07	4975.07	5113.93	5252.79	5395.50
YrIncome						46,417	47,713	49,055	50,444	51,879	53,360	54,887	56,461	58,081	59,701	61,367	63,033	64,746
36%						1392.51	1431.39	1471.65	1513.31	1556.36	1600.79	1646.61	1693.83	1742.43	1791.03	1841.01	1891.00	1942.38
MaxDebt/Mth						309.45	318.09	327.03	336.29	345.86	355.73	365.91	376.41	387.21	398.01	409.11	420.22	431.64
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
180,000	81,000	99,000	0.00	262.50	300.00	477.18	504.90	533.61	563.31	594.00	625.68	658.35	692.01	726.66	761.31	796.95	832.59	869.22
PITI		45%Dwn				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
28%						3713.14	3812.14	3914.68	4020.75	4130.36	4243.50	4360.18	4480.39	4604.14	4727.89	4855.18	4982.46	5113.29
YrIncome						44,558	45,746	46,976	48,249	49,564	50,922	52,322	53,765	55,250	56,735	58,262	59,790	61,359
36%						1336.73	1372.37	1409.28	1447.47	1486.93	1527.66	1569.66	1612.94	1657.49	1702.04	1747.86	1793.69	1840.78
MaxDebt/Mth						297.05	304.97	313.17	321.66	330.43	339.48	348.81	358.43	368.33	378.23	388.41	398.60	409.06
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
180,000	90,000	90,000	0.00	262.50	300.00	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		50%Dwn				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
28%						3558.21	3648.21	3741.43	3837.86	3937.50	4040.36	4146.43	4255.71	4368.21	4480.71	4596.43	4712.14	4831.07
YrIncome						42,699	43,779	44,897	46,054	47,250	48,484	49,757	51,069	52,419	53,769	55,157	56,546	57,973
36%						1280.96	1313.36	1346.91	1381.63	1417.50	1454.53	1492.71	1532.06	1572.56	1613.06	165