Computations based on a sale price of  $230,000
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
       230,000       11,500        218,500 142.03 335.42 383.33 1053.17 1114.35 1177.72 1243.27 1311.00 1380.92 1453.03 1527.32 1603.79 1680.27 1758.93 1837.59 1918.43
 PITI  5% Dwn 1913.95 1975.13 2038.49 2104.04 2171.78 2241.70 2313.80 2388.09 2464.57 2541.04 2619.70 2698.36 2779.21
 28%      6835.52 7054.02 7280.32 7514.43 7756.34 8006.05 8263.57 8528.89 8802.02 9075.14 9356.07 9637.00 9925.73
 YrIncome            82,026       84,648       87,364       90,173       93,076       96,073       99,163      102,347      105,624      108,902      112,273      115,644      119,109
 36% 2460.79 2539.45 2620.92 2705.19 2792.28 2882.18 2974.89 3070.40 3168.73 3267.05 3368.19 3469.32 3573.26
 MaxDebt/Mth   546.84 564.32 582.43 601.15 620.51 640.48 661.09 682.31 704.16 726.01 748.49 770.96 794.06
 Remember  Est. Closing Costs>>>>  16,100
 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
       230,000       23,000        207,000 89.70 335.42 383.33 997.74 1055.70 1115.73 1177.83 1242.00 1308.24 1376.55 1446.93 1519.38 1591.83 1666.35 1740.87 1817.46
 PITI  10%Dwn 1806.19 1864.15 1924.18 1986.28 2050.45 2116.69 2185.00 2255.38 2327.83 2400.28 2474.80 2549.32 2625.91
 28%   6450.68 6657.68 6872.07 7093.86 7323.04 7559.61 7803.57 8054.93 8313.68 8572.43 8838.57 9104.71 9378.25
 YrIncome         77,408       79,892       82,465       85,126       87,876       90,715       93,643       96,659       99,764      102,869      106,063      109,257      112,539
 36%   2322.24 2396.76 2473.95 2553.79 2636.29 2721.46 2809.29 2899.77 2992.92 3086.07 3181.89 3277.70 3376.17
 MaxDebt/Mth   516.05 532.61 549.77 567.51 585.84 604.77 624.29 644.39 665.09 685.79 707.09 728.38 750.26
 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
       230,000       34,500        195,500 52.13 335.42 383.33 942.31 997.05 1053.75 1112.40 1173.00 1235.56 1300.08 1366.55 1434.97 1503.40 1573.78 1644.16 1716.49
 PITI  15%Dwn 1713.19 1767.93 1824.63 1883.28 1943.88 2006.44 2070.96 2137.43 2205.85 2274.28 2344.66 2415.04 2487.37
 28%   6118.55 6314.05 6516.53 6725.99 6942.44 7165.87 7396.28 7633.67 7878.05 8122.42 8373.78 8625.14 8883.48
 YrIncome         73,423       75,769       78,198       80,712       83,309       85,990       88,755       91,604       94,537       97,469      100,485      103,502      106,602
 36% 2202.68 2273.06 2345.95 2421.36 2499.28 2579.71 2662.66 2748.12 2836.10 2924.07 3014.56 3105.05 3198.05
 MaxDebt/Mth 489.48 505.12 521.32 538.08 555.40 573.27 591.70 610.69 630.24 649.79 669.90 690.01 710.68
 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
       230,000       46,000        184,000 0.00 335.42 383.33 886.88 938.40 991.76 1046.96 1104.00 1162.88 1223.60 1286.16 1350.56 1414.96 1481.20 1547.44 1615.52
 PITI  20%Dwn 1605.63 1657.15 1710.51 1765.71 1822.75 1881.63 1942.35 2004.91 2069.31 2133.71 2199.95 2266.19 2334.27
 28%   5734.39 5918.39 6108.96 6306.11 6509.82 6720.11 6936.96 7160.39 7390.39 7620.39 7856.96 8093.54 8336.68
 YrIncome       68,813       71,021       73,308       75,673       78,118       80,641       83,244       85,925       88,685       91,445       94,284       97,122      100,040
 36% 2064.38 2130.62 2199.23 2270.20 2343.54 2419.24 2497.31 2577.74 2660.54 2743.34 2828.51 2913.67 3001.20
 MaxDebt/Mth 458.75 473.47 488.72 504.49 520.79 537.61 554.96 572.83 591.23 609.63 628.56 647.48 666.93
 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
       230,000       57,500        172,500 0.00 335.42 383.33 831.45 879.75 929.78 981.53 1035.00 1090.20 1147.13 1205.78 1266.15 1326.53 1388.63 1450.73 1514.55
 PITI  25%Dwn 1550.20 1598.50 1648.53 1700.28 1753.75 1808.95 1865.88 1924.53 1984.90 2045.28 2107.38 2169.48 2233.30
 28%   5536.43 5708.93 5887.59 6072.41 6263.39 6460.54 6663.84 6873.30 7088.93 7304.55 7526.34 7748.13 7976.07
 YrIncome       66,437       68,507       70,651       72,869       75,161       77,526       79,966       82,480       85,067       87,655       90,316       92,978       95,713
 36% 1993.11 2055.21 2119.53 2186.07 2254.82 2325.79 2398.98 2474.39 2552.01 2629.64 2709.48 2789.33 2871.39
 MaxDebt/Mth 442.91 456.71 471.01 485.79 501.07 516.84 533.11 549.86 567.11 584.36 602.11 619.85 638.09
 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
       230,000       69,000        161,000 0.00 335.42 383.33 776.02 821.10 867.79 916.09 966.00 1017.52 1070.65 1125.39 1181.74 1238.09 1296.05 1354.01 1413.58
 PITI  30%Dwn 1494.77 1539.85 1586.54 1634.84 1684.75 1736.27 1789.40 1844.14 1900.49 1956.84 2014.80 2072.76 2132.33
 28%   5338.46 5499.46 5666.21 5838.71 6016.96 6200.96 6390.71 6586.21 6787.46 6988.71 7195.71 7402.71 7615.46
 YrIncome       64,062       65,994       67,995       70,065       72,204       74,412       76,689       79,035       81,450       83,865       86,349       88,833       91,386
 36% 1921.85 1979.81 2039.84 2101.94 2166.11 2232.35 2300.66 2371.04 2443.49 2515.94 2590.46 2664.98 2741.57
 MaxDebt/Mth 427.08 439.96 453.30 467.10 481.36 496.08 511.26 526.90 543.00 559.10 575.66 592.22 609.24
 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
       230,000       80,500        149,500 0.00 335.42 383.33 720.59 762.45 805.81 850.66 897.00 944.84 994.18 1045.01 1097.33 1149.66 1203.48 1257.30 1312.61
 PITI  35%Dwn 1439.34 1481.20 1524.56 1569.41 1615.75 1663.59 1712.93 1763.76 1816.08 1868.41 1922.23 1976.05 2031.36
 28%   5140.50 5290.00 5444.84 5605.02 5770.54 5941.39 6117.59 6299.13 6486.00 6672.88 6865.09 7057.30 7254.86
 YrIncome       61,686       63,480       65,338       67,260       69,246       71,297       73,411       75,590       77,832       80,075       82,381       84,688       87,058
 36% 1850.58 1904.40 1960.14 2017.81 2077.39 2138.90 2202.33 2267.69 2334.96 2402.24 2471.43 2540.63 2611.75
 MaxDebt/Mth 411.24 423.20 435.59 448.40 461.64 475.31 489.41 503.93 518.88 533.83 549.21 564.58 580.39
 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
       230,000       92,000        138,000 0.00 335.42 383.33 665.16 703.80 743.82 785.22 828.00 872.16 917.70 964.62 1012.92 1061.22 1110.90 1160.58 1211.64
 PITI  40%Dwn 1383.91 1422.55 1462.57 1503.97 1546.75 1590.91 1636.45 1683.37 1731.67 1779.97 1829.65 1879.33 1930.39
 28%   4942.54 5080.54 5223.46 5371.32 5524.11 5681.82 5844.46 6012.04 6184.54 6357.04 6534.46 6711.89 6894.25
 YrIncome       59,310       60,966       62,682       64,456       66,289       68,182       70,134       72,144       74,214       76,284       78,414       80,543       82,731
 36% 1779.31 1828.99 1880.45 1933.68 1988.68 2045.46 2104.01 2164.33 2226.43 2288.53 2352.41 2416.28 2481.93
 MaxDebt/Mth 395.40 406.44 417.88 429.71 441.93 454.55 467.56 480.96 494.76 508.56 522.76 536.95 551.54
 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
       230,000      103,500        126,500 0.00 335.42 383.33 609.73 645.15 681.84 719.79 759.00 799.48 841.23 884.24 928.51 972.79 1018.33 1063.87 1110.67
 PITI  45%Dwn 1328.48 1363.90 1400.59 1438.54 1477.75 1518.23 1559.98 1602.99 1647.26 1691.54 1737.08 1782.62 1829.42
 28%   4744.57 4871.07 5002.09 5137.63 5277.68 5422.25 5571.34 5724.95 5883.07 6041.20 6203.84 6366.48 6533.64
 YrIncome       56,935       58,453       60,025       61,652       63,332       65,067       66,856       68,699       70,597       72,494       74,446       76,398       78,404
 36% 1708.05 1753.59 1800.75 1849.55 1899.96 1952.01 2005.68 2060.98 2117.91 2174.83 2233.38 2291.93 2352.11
 MaxDebt/Mth 379.57 389.69 400.17 411.01 422.21 433.78 445.71 458.00 470.65 483.30 496.31 509.32 522.69
 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
       230,000      115,000        115,000 0.00 335.42 383.33 554.30 586.50 619.85 654.35 690.00 726.80 764.75 803.85 844.10 884.35 925.75 967.15 1009.70
 PITI  50%Dwn 1273.05 1305.25 1338.60 1373.10 1408.75 1445.55 1483.50 1522.60 1562.85 1603.10 1644.50 1685.90 1728.45
 28%   4546.61 4661.61 4780.71 4903.93 5031.25 5162.68 5298.21 5437.86 5581.61 5725.36 5873.21 6021.07 6173.04
 YrIncome       54,559       55,939       57,369       58,847       60,375       61