Computations based on a sale price of  $190,000
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 Preferred
 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
       190,000         9,500        180,500 117.33 277.08 316.67 870.01 920.55 972.90 1027.05 1083.00 1140.76 1200.33 1261.70 1324.87 1388.05 1453.03 1518.01 1584.79
 PITI  5% Dwn 1581.09 1631.63 1683.97 1738.12 1794.08 1851.84 1911.40 1972.77 2035.95 2099.12 2164.10 2229.08 2295.87
 28%      5646.73 5827.23 6014.18 6207.57 6407.41 6613.70 6826.43 7045.61 7271.23 7496.86 7728.93 7961.00 8199.52
 YrIncome            67,761       69,927       72,170       74,491       76,889       79,364       81,917       84,547       87,255       89,962       92,747       95,532       98,394
 36% 2032.82 2097.80 2165.10 2234.73 2306.67 2380.93 2457.51 2536.42 2617.64 2698.87 2782.41 2865.96 2951.83
 MaxDebt/Mth   451.74 466.18 481.13 496.61 512.59 529.10 546.11 563.65 581.70 599.75 618.31 636.88 655.96
 Remember  Est. Closing Costs>>>>  13,300
 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
       190,000       19,000        171,000 74.10 277.08 316.67 824.22 872.10 921.69 972.99 1026.00 1080.72 1137.15 1195.29 1255.14 1314.99 1376.55 1438.11 1501.38
 PITI  10%Dwn 1492.07 1539.95 1589.54 1640.84 1693.85 1748.57 1805.00 1863.14 1922.99 1982.84 2044.40 2105.96 2169.23
 28%   5328.82 5499.82 5676.93 5860.14 6049.46 6244.89 6446.43 6654.07 6867.82 7081.57 7301.43 7521.29 7747.25
 YrIncome         63,946       65,998       68,123       70,322       72,594       74,939       77,357       79,849       82,414       84,979       87,617       90,255       92,967
 36%   1918.38 1979.94 2043.69 2109.65 2177.81 2248.16 2320.71 2395.47 2472.42 2549.37 2628.51 2707.66 2789.01
 MaxDebt/Mth   426.31 439.99 454.15 468.81 483.96 499.59 515.71 532.33 549.43 566.53 584.11 601.70 619.78
 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
       190,000       28,500        161,500 43.07 277.08 316.67 778.43 823.65 870.49 918.94 969.00 1020.68 1073.98 1128.89 1185.41 1241.94 1300.08 1358.22 1417.97
 PITI  15%Dwn 1415.25 1460.47 1507.30 1555.75 1605.82 1657.50 1710.79 1765.70 1822.23 1878.75 1936.89 1995.03 2054.79
 28%   5054.45 5215.95 5383.22 5556.26 5735.06 5919.63 6109.97 6306.08 6507.95 6709.83 6917.47 7125.11 7338.52
 YrIncome         60,653       62,591       64,599       66,675       68,821       71,036       73,320       75,673       78,095       80,518       83,010       85,501       88,062
 36% 1819.60 1877.74 1937.96 2000.25 2064.62 2131.07 2199.59 2270.19 2342.86 2415.54 2490.29 2565.04 2641.87
 MaxDebt/Mth 404.36 417.28 430.66 444.50 458.80 473.57 488.80 504.49 520.64 536.79 553.40 570.01 587.08
 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
       190,000       38,000        152,000 0.00 277.08 316.67 732.64 775.20 819.28 864.88 912.00 960.64 1010.80 1062.48 1115.68 1168.88 1223.60 1278.32 1334.56
 PITI  20%Dwn 1326.39 1368.95 1413.03 1458.63 1505.75 1554.39 1604.55 1656.23 1709.43 1762.63 1817.35 1872.07 1928.31
 28%   4737.11 4889.11 5046.54 5209.39 5377.68 5551.39 5730.54 5915.11 6105.11 6295.11 6490.54 6685.96 6886.82
 YrIncome       56,845       58,669       60,558       62,513       64,532       66,617       68,766       70,981       73,261       75,541       77,886       80,232       82,642
 36% 1705.36 1760.08 1816.75 1875.38 1935.96 1998.50 2062.99 2129.44 2197.84 2266.24 2336.59 2406.95 2479.26
 MaxDebt/Mth 378.97 391.13 403.72 416.75 430.21 444.11 458.44 473.21 488.41 503.61 519.24 534.88 550.95
 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
       190,000       47,500        142,500 0.00 277.08 316.67 686.85 726.75 768.08 810.83 855.00 900.60 947.63 996.08 1045.95 1095.83 1147.13 1198.43 1251.15
 PITI  25%Dwn 1280.60 1320.50 1361.83 1404.58 1448.75 1494.35 1541.38 1589.83 1639.70 1689.58 1740.88 1792.18 1844.90
 28%   4573.57 4716.07 4863.66 5016.34 5174.11 5336.96 5504.91 5677.95 5856.07 6034.20 6217.41 6400.63 6588.93
 YrIncome       54,883       56,593       58,364       60,196       62,089       64,044       66,059       68,135       70,273       72,410       74,609       76,808       79,067
 36% 1646.49 1697.79 1750.92 1805.88 1862.68 1921.31 1981.77 2044.06 2108.19 2172.31 2238.27 2304.23 2372.01
 MaxDebt/Mth 365.89 377.29 389.09 401.31 413.93 426.96 440.39 454.24 468.49 482.74 497.39 512.05 527.11
 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
       190,000       57,000        133,000 0.00 277.08 316.67 641.06 678.30 716.87 756.77 798.00 840.56 884.45 929.67 976.22 1022.77 1070.65 1118.53 1167.74
 PITI  30%Dwn 1234.81 1272.05 1310.62 1350.52 1391.75 1434.31 1478.20 1523.42 1569.97 1616.52 1664.40 1712.28 1761.49
 28%   4410.04 4543.04 4680.79 4823.29 4970.54 5122.54 5279.29 5440.79 5607.04 5773.29 5944.29 6115.29 6291.04
 YrIncome       52,920       54,516       56,169       57,879       59,646       61,470       63,351       65,289       67,284       69,279       71,331       73,383       75,492
 36% 1587.61 1635.49 1685.08 1736.38 1789.39 1844.11 1900.54 1958.68 2018.53 2078.38 2139.94 2201.50 2264.77
 MaxDebt/Mth 352.80 363.44 374.46 385.86 397.64 409.80 422.34 435.26 448.56 461.86 475.54 489.22 503.28
 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
       190,000       66,500        123,500 0.00 277.08 316.67 595.27 629.85 665.67 702.72 741.00 780.52 821.28 863.27 906.49 949.72 994.18 1038.64 1084.33
 PITI  35%Dwn 1189.02 1223.60 1259.42 1296.47 1334.75 1374.27 1415.03 1457.02 1500.24 1543.47 1587.93 1632.39 1678.08
 28%   4246.50 4370.00 4497.91 4630.23 4766.96 4908.11 5053.66 5203.63 5358.00 5512.38 5671.16 5829.95 5993.14
 YrIncome       50,958       52,440       53,975       55,563       57,204       58,897       60,644       62,444       64,296       66,149       68,054       69,959       71,918
 36% 1528.74 1573.20 1619.25 1666.88 1716.11 1766.92 1819.32 1873.31 1928.88 1984.46 2041.62 2098.78 2157.53
 MaxDebt/Mth 339.72 349.60 359.83 370.42 381.36 392.65 404.29 416.29 428.64 440.99 453.69 466.40 479.45
 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
       190,000       76,000        114,000 0.00 277.08 316.67 549.48 581.40 614.46 648.66 684.00 720.48 758.10 796.86 836.76 876.66 917.70 958.74 1000.92
 PITI  40%Dwn 1143.23 1175.15 1208.21 1242.41 1277.75 1314.23 1351.85 1390.61 1430.51 1470.41 1511.45 1552.49 1594.67
 28%   4082.96 4196.96 4315.04 4437.18 4563.39 4693.68 4828.04 4966.46 5108.96 5251.46 5398.04 5544.61 5695.25
 YrIncome       48,996       50,364       51,780       53,246       54,761       56,324       57,936       59,598       61,308       63,018       64,776       66,535       68,343
 36% 1469.87 1510.91 1553.41 1597.38 1642.82 1689.72 1738.09 1787.93 1839.23 1890.53 1943.29 1996.06 2050.29
 MaxDebt/Mth 326.64 335.76 345.20 354.97 365.07 375.49 386.24 397.32 408.72 420.12 431.84 443.57 455.62
 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
       190,000       85,500        104,500 0.00 277.08 316.67 503.69 532.95 563.26 594.61 627.00 660.44 694.93 730.46 767.03 803.61 841.23 878.85 917.51
 PITI  45%Dwn 1097.44 1126.70 1157.01 1188.36 1220.75 1254.19 1288.68 1324.21 1360.78 1397.36 1434.98 1472.60 1511.26
 28%   3919.43 4023.93 4132.16 4244.13 4359.82 4479.25 4602.41 4729.30 4859.93 4990.55 5124.91 5259.27 5397.36
 YrIncome       47,033       48,287       49,586       50,930       52,318       53,751       55,229       56,752       58,319       59,887       61,499       63,111       64,768
 36% 1410.99 1448.61 1487.58 1527.89 1569.54 1612.53 1656.87 1702.55 1749.57 1796.60 1844.97 1893.34 1943.05
 MaxDebt/Mth 313.55 321.91 330.57 339.53 348.79 358.34 368.19 378.34 388.79 399.24 409.99 420.74 431.79
 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
       190,000       95,000          95,000 0.00 277.08 316.67 457.90 484.50 512.05 540.55 570.00 600.40 631.75 664.05 697.30 730.55 764.75 798.95 834.10
 PITI  50%Dwn 1051.65 1078.25 1105.80 1134.30 1163.75 1194.15 1225.50 1257.80 1291.05 1324.30 1358.50 1392.70 1427.85
 28%   3755.89 3850.89 3949.29 4051.07 4156.25 4264.82 4376.79 4492.14 4610.89 4729.64 4851.79 4973.93 5099.46
 YrIncome       45,071       46,211       47,391       48,613       49,875       51,178       52,521       53,906       55,331       56,756       58,221       59,687       61,194
 36% 1352.12 1386.32 1421.74 1458.39 1496.25 1535.34 1575.64 1617.17 1659.92 1702.67 1746.64 1790.61 1835.81
 MaxDebt/Mth 300.47 308.07 315.94 324.09 332.50 341.19 350.14 359.37 368.87 378.37 388.14 397.91 407.96