Computations based on a sale price of				$260,000
						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
260,000	13,000	247,000	160.55	379.17	433.33	1190.54	1259.70	1331.33	1405.43	1482.00	1561.04	1642.55	1726.53	1812.98	1899.43	1988.35	2077.27	2168.66
PITI		5% Dwn				2163.59	2232.75	2304.38	2378.48	2455.05	2534.09	2615.60	2699.58	2786.03	2872.48	2961.40	3050.32	3141.71
28%						7727.11	7974.11	8229.93	8494.57	8768.04	9050.32	9341.43	9641.36	9950.11	10258.86	10576.43	10894.00	11220.39
YrIncome						92,725	95,689	98,759	101,935	105,216	108,604	112,097	115,696	119,401	123,106	126,917	130,728	134,645
36%						2781.76	2870.68	2962.77	3058.05	3156.49	3258.12	3362.91	3470.89	3582.04	3693.19	3807.51	3921.84	4039.34
MaxDebt/Mth						618.17	637.93	658.39	679.57	701.44	724.03	747.31	771.31	796.01	820.71	846.11	871.52	897.63
	Remember	Est. Closing Costs>>>>		18,200
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
260,000	26,000	234,000	101.40	379.17	433.33	1127.88	1193.40	1261.26	1331.46	1404.00	1478.88	1556.10	1635.66	1717.56	1799.46	1883.70	1967.94	2054.52
PITI		10%Dwn				2041.78	2107.30	2175.16	2245.36	2317.90	2392.78	2470.00	2549.56	2631.46	2713.36	2797.60	2881.84	2968.42
28%						7292.07	7526.07	7768.43	8019.14	8278.21	8545.64	8821.43	9105.57	9398.07	9690.57	9991.43	10292.29	10601.50
YrIncome						87,505	90,313	93,221	96,230	99,339	102,548	105,857	109,267	112,777	116,287	119,897	123,507	127,218
36%						2625.15	2709.39	2796.63	2886.89	2980.16	3076.43	3175.71	3278.01	3383.31	3488.61	3596.91	3705.22	3816.54
MaxDebt/Mth						583.37	602.09	621.47	641.53	662.26	683.65	705.71	728.45	751.85	775.25	799.31	823.38	848.12
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
260,000	39,000	221,000	58.93	379.17	433.33	1065.22	1127.10	1191.19	1257.49	1326.00	1396.72	1469.65	1544.79	1622.14	1699.49	1779.05	1858.61	1940.38
PITI		15%Dwn				1936.65	1998.53	2062.62	2128.92	2197.43	2268.15	2341.08	2416.22	2493.57	2570.92	2650.48	2730.04	2811.81
28%						6916.62	7137.62	7366.51	7603.30	7847.98	8100.55	8361.01	8629.37	8905.62	9181.87	9466.01	9750.15	10042.19
YrIncome						82,999	85,651	88,398	91,240	94,176	97,207	100,332	103,552	106,867	110,182	113,592	117,002	120,506
36%						2489.98	2569.54	2651.94	2737.19	2825.27	2916.20	3009.96	3106.57	3206.02	3305.47	3407.76	3510.06	3615.19
MaxDebt/Mth						553.33	571.01	589.32	608.26	627.84	648.04	668.88	690.35	712.45	734.55	757.28	780.01	803.38
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
260,000	52,000	208,000	0.00	379.17	433.33	1002.56	1060.80	1121.12	1183.52	1248.00	1314.56	1383.20	1453.92	1526.72	1599.52	1674.40	1749.28	1826.24
PITI		20%Dwn				1815.06	1873.30	1933.62	1996.02	2060.50	2127.06	2195.70	2266.42	2339.22	2412.02	2486.90	2561.78	2638.74
28%						6482.36	6690.36	6905.79	7128.64	7358.93	7596.64	7841.79	8094.36	8354.36	8614.36	8881.79	9149.21	9424.07
YrIncome						77,788	80,284	82,869	85,544	88,307	91,160	94,101	97,132	100,252	103,372	106,581	109,791	113,089
36%						2333.65	2408.53	2486.08	2566.31	2649.21	2734.79	2823.04	2913.97	3007.57	3101.17	3197.44	3293.72	3392.67
MaxDebt/Mth						518.59	535.23	552.46	570.29	588.71	607.73	627.34	647.55	668.35	689.15	710.54	731.94	753.93
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
260,000	65,000	195,000	0.00	379.17	433.33	939.90	994.50	1051.05	1109.55	1170.00	1232.40	1296.75	1363.05	1431.30	1499.55	1569.75	1639.95	1712.10
PITI		25%Dwn				1752.40	1807.00	1863.55	1922.05	1982.50	2044.90	2109.25	2175.55	2243.80	2312.05	2382.25	2452.45	2524.60
28%						6258.57	6453.57	6655.54	6864.46	7080.36	7303.21	7533.04	7769.82	8013.57	8257.32	8508.04	8758.75	9016.43
YrIncome						75,103	77,443	79,866	82,374	84,964	87,639	90,396	93,238	96,163	99,088	102,096	105,105	108,197
36%						2253.09	2323.29	2395.99	2471.21	2548.93	2629.16	2711.89	2797.14	2884.89	2972.64	3062.89	3153.15	3245.91
MaxDebt/Mth						500.69	516.29	532.44	549.16	566.43	584.26	602.64	621.59	641.09	660.59	680.64	700.70	721.31
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
260,000	78,000	182,000	0.00	379.17	433.33	877.24	928.20	980.98	1035.58	1092.00	1150.24	1210.30	1272.18	1335.88	1399.58	1465.10	1530.62	1597.96
PITI		30%Dwn				1689.74	1740.70	1793.48	1848.08	1904.50	1962.74	2022.80	2084.68	2148.38	2212.08	2277.60	2343.12	2410.46
28%						6034.79	6216.79	6405.29	6600.29	6801.79	7009.79	7224.29	7445.29	7672.79	7900.29	8134.29	8368.29	8608.79
YrIncome						72,417	74,601	76,863	79,203	81,621	84,117	86,691	89,343	92,073	94,803	97,611	100,419	103,305
36%						2172.52	2238.04	2305.90	2376.10	2448.64	2523.52	2600.74	2680.30	2762.20	2844.10	2928.34	3012.58	3099.16
MaxDebt/Mth						482.78	497.34	512.42	528.02	544.14	560.78	577.94	595.62	613.82	632.02	650.74	669.46	688.70
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
260,000	91,000	169,000	0.00	379.17	433.33	814.58	861.90	910.91	961.61	1014.00	1068.08	1123.85	1181.31	1240.46	1299.61	1360.45	1421.29	1483.82
PITI		35%Dwn				1627.08	1674.40	1723.41	1774.11	1826.50	1880.58	1936.35	1993.81	2052.96	2112.11	2172.95	2233.79	2296.32
28%						5811.00	5980.00	6155.04	6336.11	6523.21	6716.36	6915.54	7120.75	7332.00	7543.25	7760.54	7977.82	8201.14
YrIncome						69,732	71,760	73,860	76,033	78,279	80,596	82,986	85,449	87,984	90,519	93,126	95,734	98,414
36%						2091.96	2152.80	2215.81	2281.00	2348.36	2417.89	2489.59	2563.47	2639.52	2715.57	2793.79	2872.02	2952.41
MaxDebt/Mth						464.88	478.40	492.40	506.89	521.86	537.31	553.24	569.66	586.56	603.46	620.84	638.23	656.09
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
260,000	104,000	156,000	0.00	379.17	433.33	751.92	795.60	840.84	887.64	936.00	985.92	1037.40	1090.44	1145.04	1199.64	1255.80	1311.96	1369.68
PITI		40%Dwn				1564.42	1608.10	1653.34	1700.14	1748.50	1798.42	1849.90	1902.94	1957.54	2012.14	2068.30	2124.46	2182.18
28%						5587.21	5743.21	5904.79	6071.93	6244.64	6422.93	6606.79	6796.21	6991.21	7186.21	7386.79	7587.36	7793.50
YrIncome						67,047	68,919	70,857	72,863	74,936	77,075	79,281	81,555	83,895	86,235	88,641	91,048	93,522
36%						2011.40	2067.56	2125.72	2185.89	2248.07	2312.25	2378.44	2446.64	2516.84	2587.04	2659.24	2731.45	2805.66
MaxDebt/Mth						446.98	459.46	472.38	485.75	499.57	513.83	528.54	543.70	559.30	574.90	590.94	606.99	623.48
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
260,000	117,000	143,000	0.00	379.17	433.33	689.26	729.30	770.77	813.67	858.00	903.76	950.95	999.57	1049.62	1099.67	1151.15	1202.63	1255.54
PITI		45%Dwn				1501.76	1541.80	1583.27	1626.17	1670.50	1716.26	1763.45	1812.07	1862.12	1912.17	1963.65	2015.13	2068.04
28%						5363.43	5506.43	5654.54	5807.75	5966.07	6129.50	6298.04	6471.68	6650.43	6829.18	7013.04	7196.89	7385.86
YrIncome						64,361	66,077	67,854	69,693	71,593	73,554	75,576	77,660	79,805	81,950	84,156	86,363	88,630
36%						1930.83	1982.31	2035.63	2090.79	2147.79	2206.62	2267.29	2329.80	2394.15	2458.50	2524.69	2590.88	2658.91
MaxDebt/Mth						429.07	440.51	452.36	464.62	477.29	490.36	503.84	517.73	532.03	546.33	561.04	575.75	590.87
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
260,000	130,000	130,000	0.00	379.17	433.33	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		50%Dwn				1439.10	1475.50	1513.20	1552.20	1592.50	1634.10	1677.00	1721.20	1766.70	1812.20	1859.00	1905.80	1953.90
28%						5139.64	5269.64	5404.29	5543.57	5687.50	5836.07	5989.29	6147.14	6309.64	6472.14	6639.29	6806.43	6978.21
YrIncome						61,676	63,236	64,851	66,523	68,250	70,033	71,871	73,766	75,716	77,666	79,671	81,677	83,739
36%						1850.27