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 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
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