Computations based on a sale price of  $200,000
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
       200,000       10,000        190,000 123.50 291.67 333.33 915.80 969.00 1024.10 1081.10 1140.00 1200.80 1263.50 1328.10 1394.60 1461.10 1529.50 1597.90 1668.20
 PITI  5% Dwn 1664.30 1717.50 1772.60 1829.60 1888.50 1949.30 2012.00 2076.60 2143.10 2209.60 2278.00 2346.40 2416.70
 28%      5943.93 6133.93 6330.71 6534.29 6744.64 6961.79 7185.71 7416.43 7653.93 7891.43 8135.71 8380.00 8631.07
 YrIncome            71,327       73,607       75,969       78,411       80,936       83,541       86,229       88,997       91,847       94,697       97,629      100,560      103,573
 36% 2139.81 2208.21 2279.06 2352.34 2428.07 2506.24 2586.86 2669.91 2755.41 2840.91 2928.86 3016.80 3107.19
 MaxDebt/Mth   475.51 490.71 506.46 522.74 539.57 556.94 574.86 593.31 612.31 631.31 650.86 670.40 690.49
 Remember  Est. Closing Costs>>>>  14,000
 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
       200,000       20,000        180,000 78.00 291.67 333.33 867.60 918.00 970.20 1024.20 1080.00 1137.60 1197.00 1258.20 1321.20 1384.20 1449.00 1513.80 1580.40
 PITI  10%Dwn 1570.60 1621.00 1673.20 1727.20 1783.00 1840.60 1900.00 1961.20 2024.20 2087.20 2152.00 2216.80 2283.40
 28%   5609.29 5789.29 5975.71 6168.57 6367.86 6573.57 6785.71 7004.29 7229.29 7454.29 7685.71 7917.14 8155.00
 YrIncome         67,311       69,471       71,709       74,023       76,414       78,883       81,429       84,051       86,751       89,451       92,229       95,006       97,860
 36%   2019.34 2084.14 2151.26 2220.69 2292.43 2366.49 2442.86 2521.54 2602.54 2683.54 2766.86 2850.17 2935.80
 MaxDebt/Mth   448.74 463.14 478.06 493.49 509.43 525.89 542.86 560.34 578.34 596.34 614.86 633.37 652.40
 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
       200,000       30,000        170,000 45.33 291.67 333.33 819.40 867.00 916.30 967.30 1020.00 1074.40 1130.50 1188.30 1247.80 1307.30 1368.50 1429.70 1492.60
 PITI  15%Dwn 1489.73 1537.33 1586.63 1637.63 1690.33 1744.73 1800.83 1858.63 1918.13 1977.63 2038.83 2100.03 2162.93
 28%   5320.48 5490.48 5666.55 5848.69 6036.90 6231.19 6431.55 6637.98 6850.48 7062.98 7281.55 7500.12 7724.76
 YrIncome         63,846       65,886       67,999       70,184       72,443       74,774       77,179       79,656       82,206       84,756       87,379       90,001       92,697
 36% 1915.37 1976.57 2039.96 2105.53 2173.29 2243.23 2315.36 2389.67 2466.17 2542.67 2621.36 2700.04 2780.91
 MaxDebt/Mth 425.64 439.24 453.32 467.90 482.95 498.50 514.52 531.04 548.04 565.04 582.52 600.01 617.98
 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
       200,000       40,000        160,000 0.00 291.67 333.33 771.20 816.00 862.40 910.40 960.00 1011.20 1064.00 1118.40 1174.40 1230.40 1288.00 1345.60 1404.80
 PITI  20%Dwn 1396.20 1441.00 1487.40 1535.40 1585.00 1636.20 1689.00 1743.40 1799.40 1855.40 1913.00 1970.60 2029.80
 28%   4986.43 5146.43 5312.14 5483.57 5660.71 5843.57 6032.14 6226.43 6426.43 6626.43 6832.14 7037.86 7249.29
 YrIncome       59,837       61,757       63,746       65,803       67,929       70,123       72,386       74,717       77,117       79,517       81,986       84,454       86,991
 36% 1795.11 1852.71 1912.37 1974.09 2037.86 2103.69 2171.57 2241.51 2313.51 2385.51 2459.57 2533.63 2609.74
 MaxDebt/Mth 398.91 411.71 424.97 438.69 452.86 467.49 482.57 498.11 514.11 530.11 546.57 563.03 579.94
 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
       200,000       50,000        150,000 0.00 291.67 333.33 723.00 765.00 808.50 853.50 900.00 948.00 997.50 1048.50 1101.00 1153.50 1207.50 1261.50 1317.00
 PITI  25%Dwn 1348.00 1390.00 1433.50 1478.50 1525.00 1573.00 1622.50 1673.50 1726.00 1778.50 1832.50 1886.50 1942.00
 28%   4814.29 4964.29 5119.64 5280.36 5446.43 5617.86 5794.64 5976.79 6164.29 6351.79 6544.64 6737.50 6935.71
 YrIncome       57,771       59,571       61,436       63,364       65,357       67,414       69,536       71,721       73,971       76,221       78,536       80,850       83,229
 36% 1733.14 1787.14 1843.07 1900.93 1960.71 2022.43 2086.07 2151.64 2219.14 2286.64 2356.07 2425.50 2496.86
 MaxDebt/Mth 385.14 397.14 409.57 422.43 435.71 449.43 463.57 478.14 493.14 508.14 523.57 539.00 554.86
 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
       200,000       60,000        140,000 0.00 291.67 333.33 674.80 714.00 754.60 796.60 840.00 884.80 931.00 978.60 1027.60 1076.60 1127.00 1177.40 1229.20
 PITI  30%Dwn 1299.80 1339.00 1379.60 1421.60 1465.00 1509.80 1556.00 1603.60 1652.60 1701.60 1752.00 1802.40 1854.20
 28%   4642.14 4782.14 4927.14 5077.14 5232.14 5392.14 5557.14 5727.14 5902.14 6077.14 6257.14 6437.14 6622.14
 YrIncome       55,706       57,386       59,126       60,926       62,786       64,706       66,686       68,726       70,826       72,926       75,086       77,246       79,466
 36% 1671.17 1721.57 1773.77 1827.77 1883.57 1941.17 2000.57 2061.77 2124.77 2187.77 2252.57 2317.37 2383.97
 MaxDebt/Mth 371.37 382.57 394.17 406.17 418.57 431.37 444.57 458.17 472.17 486.17 500.57 514.97 529.77
 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
       200,000       70,000        130,000 0.00 291.67 333.33 626.60 663.00 700.70 739.70 780.00 821.60 864.50 908.70 954.20 999.70 1046.50 1093.30 1141.40
 PITI  35%Dwn 1251.60 1288.00 1325.70 1364.70 1405.00 1446.60 1489.50 1533.70 1579.20 1624.70 1671.50 1718.30 1766.40
 28%   4470.00 4600.00 4734.64 4873.93 5017.86 5166.43 5319.64 5477.50 5640.00 5802.50 5969.64 6136.79 6308.57
 YrIncome       53,640       55,200       56,816       58,487       60,214       61,997       63,836       65,730       67,680       69,630       71,636       73,641       75,703
 36% 1609.20 1656.00 1704.47 1754.61 1806.43 1859.91 1915.07 1971.90 2030.40 2088.90 2149.07 2209.24 2271.09
 MaxDebt/Mth 357.60 368.00 378.77 389.91 401.43 413.31 425.57 438.20 451.20 464.20 477.57 490.94 504.69
 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
       200,000       80,000        120,000 0.00 291.67 333.33 578.40 612.00 646.80 682.80 720.00 758.40 798.00 838.80 880.80 922.80 966.00 1009.20 1053.60
 PITI  40%Dwn 1203.40 1237.00 1271.80 1307.80 1345.00 1383.40 1423.00 1463.80 1505.80 1547.80 1591.00 1634.20 1678.60
 28%   4297.86 4417.86 4542.14 4670.71 4803.57 4940.71 5082.14 5227.86 5377.86 5527.86 5682.14 5836.43 5995.00
 YrIncome       51,574       53,014       54,506       56,049       57,643       59,289       60,986       62,734       64,534       66,334       68,186       70,037       71,940
 36% 1547.23 1590.43 1635.17 1681.46 1729.29 1778.66 1829.57 1882.03 1936.03 1990.03 2045.57 2101.11 2158.20
 MaxDebt/Mth 343.83 353.43 363.37 373.66 384.29 395.26 406.57 418.23 430.23 442.23 454.57 466.91 479.60
 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
       200,000       90,000        110,000 0.00 291.67 333.33 530.20 561.00 592.90 625.90 660.00 695.20 731.50 768.90 807.40 845.90 885.50 925.10 965.80
 PITI  45%Dwn 1155.20 1186.00 1217.90 1250.90 1285.00 1320.20 1356.50 1393.90 1432.40 1470.90 1510.50 1550.10 1590.80
 28%   4125.71 4235.71 4349.64 4467.50 4589.29 4715.00 4844.64 4978.21 5115.71 5253.21 5394.64 5536.07 5681.43
 YrIncome       49,509       50,829       52,196       53,610       55,071       56,580       58,136       59,739       61,389       63,039       64,736       66,433       68,177
 36% 1485.26 1524.86 1565.87 1608.30 1652.14 1697.40 1744.07 1792.16 1841.66 1891.16 1942.07 1992.99 2045.31
 MaxDebt/Mth 330.06 338.86 347.97 357.40 367.14 377.20 387.57 398.26 409.26 420.26 431.57 442.89 454.51
 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
       200,000      100,000        100,000 0.00 291.67 333.33 482.00 510.00 539.00 569.00 600.00 632.00 665.00 699.00 734.00 769.00 805.00 841.00 878.00
 PITI  50%Dwn 1107.00 1135.00 1164.00 1194.00 1225.00 1257.00 1290.00 1324.00 1359.00 1394.00 1430.00 1466.00 1503.00
 28%   3953.57 4053.57 4157.14 4264.29 4375.00 4489.29 4607.14 4728.57 4853.57 4978.57 5107.14 5235.71 5367.86
 YrIncome       47,443       48,643       49,886       51,171       52,500       53,871       55,286       56,743       58,243       59,743       61,286       62,829       64,414
 36% 1423.29 1459.29 1496.57 1535.14 1575.00 1616.14 1658.57 1702.29 1747.29 1792.29 1838.57 1884.86 1932.43
 MaxDebt/Mth 316.29 324.29 332.57 341.14 350.00 359.14 368.57 378.29 388.29 398.29 408.57 418.86 429.43