Computations based on a sale price of				$280,000
						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
280,000	14,000	266,000	172.90	408.33	466.67	1282.12	1356.60	1433.74	1513.54	1596.00	1681.12	1768.90	1859.34	1952.44	2045.54	2141.30	2237.06	2335.48
PITI		5% Dwn				2330.02	2404.50	2481.64	2561.44	2643.90	2729.02	2816.80	2907.24	3000.34	3093.44	3189.20	3284.96	3383.38
28%						8321.50	8587.50	8863.00	9148.00	9442.50	9746.50	10060.00	10383.00	10715.50	11048.00	11390.00	11732.00	12083.50
YrIncome						99,858	103,050	106,356	109,776	113,310	116,958	120,720	124,596	128,586	132,576	136,680	140,784	145,002
36%						2995.74	3091.50	3190.68	3293.28	3399.30	3508.74	3621.60	3737.88	3857.58	3977.28	4100.40	4223.52	4350.06
MaxDebt/Mth						665.72	687.00	709.04	731.84	755.40	779.72	804.80	830.64	857.24	883.84	911.20	938.56	966.68
	Remember	Est. Closing Costs>>>>		19,600
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
280,000	28,000	252,000	109.20	408.33	466.67	1214.64	1285.20	1358.28	1433.88	1512.00	1592.64	1675.80	1761.48	1849.68	1937.88	2028.60	2119.32	2212.56
PITI		10%Dwn				2198.84	2269.40	2342.48	2418.08	2496.20	2576.84	2660.00	2745.68	2833.88	2922.08	3012.80	3103.52	3196.76
28%						7853.00	8105.00	8366.00	8636.00	8915.00	9203.00	9500.00	9806.00	10121.00	10436.00	10760.00	11084.00	11417.00
YrIncome						94,236	97,260	100,392	103,632	106,980	110,436	114,000	117,672	121,452	125,232	129,120	133,008	137,004
36%						2827.08	2917.80	3011.76	3108.96	3209.40	3313.08	3420.00	3530.16	3643.56	3756.96	3873.60	3990.24	4110.12
MaxDebt/Mth						628.24	648.40	669.28	690.88	713.20	736.24	760.00	784.48	809.68	834.88	860.80	886.72	913.36
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
280,000	42,000	238,000	63.47	408.33	466.67	1147.16	1213.80	1282.82	1354.22	1428.00	1504.16	1582.70	1663.62	1746.92	1830.22	1915.90	2001.58	2089.64
PITI		15%Dwn				2085.63	2152.27	2221.29	2292.69	2366.47	2442.63	2521.17	2602.09	2685.39	2768.69	2854.37	2940.05	3028.11
28%						7448.67	7686.67	7933.17	8188.17	8451.67	8723.67	9004.17	9293.17	9590.67	9888.17	10194.17	10500.17	10814.67
YrIncome						89,384	92,240	95,198	98,258	101,420	104,684	108,050	111,518	115,088	118,658	122,330	126,002	129,776
36%						2681.52	2767.20	2855.94	2947.74	3042.60	3140.52	3241.50	3345.54	3452.64	3559.74	3669.90	3780.06	3893.28
MaxDebt/Mth						595.89	614.93	634.65	655.05	676.13	697.89	720.33	743.45	767.25	791.05	815.53	840.01	865.17
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
280,000	56,000	224,000	0.00	408.33	466.67	1079.68	1142.40	1207.36	1274.56	1344.00	1415.68	1489.60	1565.76	1644.16	1722.56	1803.20	1883.84	1966.72
PITI		20%Dwn				1954.68	2017.40	2082.36	2149.56	2219.00	2290.68	2364.60	2440.76	2519.16	2597.56	2678.20	2758.84	2841.72
28%						6981.00	7205.00	7437.00	7677.00	7925.00	8181.00	8445.00	8717.00	8997.00	9277.00	9565.00	9853.00	10149.00
YrIncome						83,772	86,460	89,244	92,124	95,100	98,172	101,340	104,604	107,964	111,324	114,780	118,236	121,788
36%						2513.16	2593.80	2677.32	2763.72	2853.00	2945.16	3040.20	3138.12	3238.92	3339.72	3443.40	3547.08	3653.64
MaxDebt/Mth						558.48	576.40	594.96	614.16	634.00	654.48	675.60	697.36	719.76	742.16	765.20	788.24	811.92
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
280,000	70,000	210,000	0.00	408.33	466.67	1012.20	1071.00	1131.90	1194.90	1260.00	1327.20	1396.50	1467.90	1541.40	1614.90	1690.50	1766.10	1843.80
PITI		25%Dwn				1887.20	1946.00	2006.90	2069.90	2135.00	2202.20	2271.50	2342.90	2416.40	2489.90	2565.50	2641.10	2718.80
28%						6740.00	6950.00	7167.50	7392.50	7625.00	7865.00	8112.50	8367.50	8630.00	8892.50	9162.50	9432.50	9710.00
YrIncome						80,880	83,400	86,010	88,710	91,500	94,380	97,350	100,410	103,560	106,710	109,950	113,190	116,520
36%						2426.40	2502.00	2580.30	2661.30	2745.00	2831.40	2920.50	3012.30	3106.80	3201.30	3298.50	3395.70	3495.60
MaxDebt/Mth						539.20	556.00	573.40	591.40	610.00	629.20	649.00	669.40	690.40	711.40	733.00	754.60	776.80
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
280,000	84,000	196,000	0.00	408.33	466.67	944.72	999.60	1056.44	1115.24	1176.00	1238.72	1303.40	1370.04	1438.64	1507.24	1577.80	1648.36	1720.88
PITI		30%Dwn				1819.72	1874.60	1931.44	1990.24	2051.00	2113.72	2178.40	2245.04	2313.64	2382.24	2452.80	2523.36	2595.88
28%						6499.00	6695.00	6898.00	7108.00	7325.00	7549.00	7780.00	8018.00	8263.00	8508.00	8760.00	9012.00	9271.00
YrIncome						77,988	80,340	82,776	85,296	87,900	90,588	93,360	96,216	99,156	102,096	105,120	108,144	111,252
36%						2339.64	2410.20	2483.28	2558.88	2637.00	2717.64	2800.80	2886.48	2974.68	3062.88	3153.60	3244.32	3337.56
MaxDebt/Mth						519.92	535.60	551.84	568.64	586.00	603.92	622.40	641.44	661.04	680.64	700.80	720.96	741.68
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
280,000	98,000	182,000	0.00	408.33	466.67	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		35%Dwn				1752.24	1803.20	1855.98	1910.58	1967.00	2025.24	2085.30	2147.18	2210.88	2274.58	2340.10	2405.62	2472.96
28%						6258.00	6440.00	6628.50	6823.50	7025.00	7233.00	7447.50	7668.50	7896.00	8123.50	8357.50	8591.50	8832.00
YrIncome						75,096	77,280	79,542	81,882	84,300	86,796	89,370	92,022	94,752	97,482	100,290	103,098	105,984
36%						2252.88	2318.40	2386.26	2456.46	2529.00	2603.88	2681.10	2760.66	2842.56	2924.46	3008.70	3092.94	3179.52
MaxDebt/Mth						500.64	515.20	530.28	545.88	562.00	578.64	595.80	613.48	631.68	649.88	668.60	687.32	706.56
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
280,000	112,000	168,000	0.00	408.33	466.67	809.76	856.80	905.52	955.92	1008.00	1061.76	1117.20	1174.32	1233.12	1291.92	1352.40	1412.88	1475.04
PITI		40%Dwn				1684.76	1731.80	1780.52	1830.92	1883.00	1936.76	1992.20	2049.32	2108.12	2166.92	2227.40	2287.88	2350.04
28%						6017.00	6185.00	6359.00	6539.00	6725.00	6917.00	7115.00	7319.00	7529.00	7739.00	7955.00	8171.00	8393.00
YrIncome						72,204	74,220	76,308	78,468	80,700	83,004	85,380	87,828	90,348	92,868	95,460	98,052	100,716
36%						2166.12	2226.60	2289.24	2354.04	2421.00	2490.12	2561.40	2634.84	2710.44	2786.04	2863.80	2941.56	3021.48
MaxDebt/Mth						481.36	494.80	508.72	523.12	538.00	553.36	569.20	585.52	602.32	619.12	636.40	653.68	671.44
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
280,000	126,000	154,000	0.00	408.33	466.67	742.28	785.40	830.06	876.26	924.00	973.28	1024.10	1076.46	1130.36	1184.26	1239.70	1295.14	1352.12
PITI		45%Dwn				1617.28	1660.40	1705.06	1751.26	1799.00	1848.28	1899.10	1951.46	2005.36	2059.26	2114.70	2170.14	2227.12
28%						5776.00	5930.00	6089.50	6254.50	6425.00	6601.00	6782.50	6969.50	7162.00	7354.50	7552.50	7750.50	7954.00
YrIncome						69,312	71,160	73,074	75,054	77,100	79,212	81,390	83,634	85,944	88,254	90,630	93,006	95,448
36%						2079.36	2134.80	2192.22	2251.62	2313.00	2376.36	2441.70	2509.02	2578.32	2647.62	2718.90	2790.18	2863.44
MaxDebt/Mth						462.08	474.40	487.16	500.36	514.00	528.08	542.60	557.56	572.96	588.36	604.20	620.04	636.32
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
280,000	140,000	140,000	0.00	408.33	466.67	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		50%Dwn				1549.80	1589.00	1629.60	1671.60	1715.00	1759.80	1806.00	1853.60	1902.60	1951.60	2002.00	2052.40	2104.20
28%						5535.00	5675.00	5820.00	5970.00	6125.00	6285.00	6450.00	6620.00	6795.00	6970.00	7150.00	7330.00	7515.00
YrIncome						66,420	68,100	69,840	71,640	73,500	75,420	77,400	79,440	81,540	83,640	85,800	87,960	90,180
36%						1992.60	2043.00	2095.20	2149.20	2205.00	2262.60	2322.00	2383.20	2446.20	2509.20	2574.00	2638.80	2705.40
MaxDebt/Mth						442.80	454.00	465.60	477.60	490.00	502.80	516.00	529.60	543.60	557.60	572.00	586.40	601.20