Computations based on a sale price of				$290,000
						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
290,000	14,500	275,500	179.08	422.92	483.33	1327.91	1405.05	1484.95	1567.60	1653.00	1741.16	1832.08	1925.75	2022.17	2118.60	2217.78	2316.96	2418.89
PITI		5% Dwn				2413.24	2490.38	2570.27	2652.92	2738.33	2826.49	2917.40	3011.07	3107.50	3203.92	3303.10	3402.28	3504.22
28%						8618.70	8894.20	9179.54	9474.71	9779.73	10094.59	10419.29	10753.82	11098.20	11442.57	11796.79	12151.00	12515.05
YrIncome						103,424	106,730	110,154	113,697	117,357	121,135	125,031	129,046	133,178	137,311	141,561	145,812	150,181
36%						3102.73	3201.91	3304.63	3410.90	3520.70	3634.05	3750.94	3871.38	3995.35	4119.33	4246.84	4374.36	4505.42
MaxDebt/Mth						689.50	711.54	734.36	757.98	782.38	807.57	833.54	860.31	887.86	915.41	943.74	972.08	1001.20
	Remember	Est. Closing Costs>>>>		20,300
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
290,000	29,000	261,000	113.10	422.92	483.33	1258.02	1331.10	1406.79	1485.09	1566.00	1649.52	1735.65	1824.39	1915.74	2007.09	2101.05	2195.01	2291.58
PITI		10%Dwn				2277.37	2350.45	2426.14	2504.44	2585.35	2668.87	2755.00	2843.74	2935.09	3026.44	3120.40	3214.36	3310.93
28%						8133.46	8394.46	8664.79	8944.43	9233.39	9531.68	9839.29	10156.21	10482.46	10808.71	11144.29	11479.86	11824.75
YrIncome						97,602	100,734	103,977	107,333	110,801	114,380	118,071	121,875	125,790	129,705	133,731	137,758	141,897
36%						2928.05	3022.01	3119.32	3219.99	3324.02	3431.40	3542.14	3656.24	3773.69	3891.14	4011.94	4132.75	4256.91
MaxDebt/Mth						650.68	671.56	693.18	715.55	738.67	762.53	787.14	812.50	838.60	864.70	891.54	918.39	945.98
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
290,000	43,500	246,500	65.73	422.92	483.33	1188.13	1257.15	1328.64	1402.59	1479.00	1557.88	1639.23	1723.04	1809.31	1895.59	1984.33	2073.07	2164.27
PITI		15%Dwn				2160.11	2229.13	2300.62	2374.57	2450.98	2529.86	2611.21	2695.02	2781.29	2867.57	2956.31	3045.05	3136.25
28%						7714.69	7961.19	8216.49	8480.60	8753.51	9035.23	9325.74	9625.07	9933.19	10241.32	10558.24	10875.17	11200.90
YrIncome						92,576	95,534	98,598	101,767	105,042	108,423	111,909	115,501	119,198	122,896	126,699	130,502	134,411
36%						2777.29	2866.03	2957.94	3053.02	3151.26	3252.68	3357.27	3465.02	3575.95	3686.87	3800.97	3915.06	4032.33
MaxDebt/Mth						617.18	636.90	657.32	678.45	700.28	722.82	746.06	770.01	794.66	819.31	844.66	870.01	896.07
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
290,000	58,000	232,000	0.00	422.92	483.33	1118.24	1183.20	1250.48	1320.08	1392.00	1466.24	1542.80	1621.68	1702.88	1784.08	1867.60	1951.12	2036.96
PITI		20%Dwn				2024.49	2089.45	2156.73	2226.33	2298.25	2372.49	2449.05	2527.93	2609.13	2690.33	2773.85	2857.37	2943.21
28%						7230.32	7462.32	7702.61	7951.18	8208.04	8473.18	8746.61	9028.32	9318.32	9608.32	9906.61	10204.89	10511.46
YrIncome						86,764	89,548	92,431	95,414	98,496	101,678	104,959	108,340	111,820	115,300	118,879	122,459	126,138
36%						2602.92	2686.44	2772.94	2862.42	2954.89	3050.34	3148.78	3250.20	3354.60	3459.00	3566.38	3673.76	3784.13
MaxDebt/Mth						578.43	596.99	616.21	636.09	656.64	677.85	699.73	722.27	745.47	768.67	792.53	816.39	840.92
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
290,000	72,500	217,500	0.00	422.92	483.33	1048.35	1109.25	1172.33	1237.58	1305.00	1374.60	1446.38	1520.33	1596.45	1672.58	1750.88	1829.18	1909.65
PITI		25%Dwn				1954.60	2015.50	2078.58	2143.83	2211.25	2280.85	2352.63	2426.58	2502.70	2578.83	2657.13	2735.43	2815.90
28%						6980.71	7198.21	7423.48	7656.52	7897.32	8145.89	8402.23	8666.34	8938.21	9210.09	9489.73	9769.38	10056.79
YrIncome						83,769	86,379	89,082	91,878	94,768	97,751	100,827	103,996	107,259	110,521	113,877	117,233	120,681
36%						2513.06	2591.36	2672.45	2756.35	2843.04	2932.52	3024.80	3119.88	3217.76	3315.63	3416.30	3516.98	3620.44
MaxDebt/Mth						558.46	575.86	593.88	612.52	631.79	651.67	672.18	693.31	715.06	736.81	759.18	781.55	804.54
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
290,000	87,000	203,000	0.00	422.92	483.33	978.46	1035.30	1094.17	1155.07	1218.00	1282.96	1349.95	1418.97	1490.02	1561.07	1634.15	1707.23	1782.34
PITI		30%Dwn				1884.71	1941.55	2000.42	2061.32	2124.25	2189.21	2256.20	2325.22	2396.27	2467.32	2540.40	2613.48	2688.59
28%						6731.11	6934.11	7144.36	7361.86	7586.61	7818.61	8057.86	8304.36	8558.11	8811.86	9072.86	9333.86	9602.11
YrIncome						80,773	83,209	85,732	88,342	91,039	93,823	96,694	99,652	102,697	105,742	108,874	112,006	115,225
36%						2423.20	2496.28	2571.97	2650.27	2731.18	2814.70	2900.83	2989.57	3080.92	3172.27	3266.23	3360.19	3456.76
MaxDebt/Mth						538.49	554.73	571.55	588.95	606.93	625.49	644.63	664.35	684.65	704.95	725.83	746.71	768.17
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
290,000	101,500	188,500	0.00	422.92	483.33	908.57	961.35	1016.02	1072.57	1131.00	1191.32	1253.53	1317.62	1383.59	1449.57	1517.43	1585.29	1655.03
PITI		35%Dwn				1814.82	1867.60	1922.27	1978.82	2037.25	2097.57	2159.78	2223.87	2289.84	2355.82	2423.68	2491.54	2561.28
28%						6481.50	6670.00	6865.23	7067.20	7275.89	7491.32	7713.48	7942.38	8178.00	8413.63	8655.98	8898.34	9147.43
YrIncome						77,778	80,040	82,383	84,806	87,311	89,896	92,562	95,309	98,136	100,964	103,872	106,780	109,769
36%						2333.34	2401.20	2471.48	2544.19	2619.32	2696.88	2776.85	2859.26	2944.08	3028.91	3116.15	3203.40	3293.07
MaxDebt/Mth						518.52	533.60	549.22	565.38	582.07	599.31	617.08	635.39	654.24	673.09	692.48	711.87	731.79
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
290,000	116,000	174,000	0.00	422.92	483.33	838.68	887.40	937.86	990.06	1044.00	1099.68	1157.10	1216.26	1277.16	1338.06	1400.70	1463.34	1527.72
PITI		40%Dwn				1744.93	1793.65	1844.11	1896.31	1950.25	2005.93	2063.35	2122.51	2183.41	2244.31	2306.95	2369.59	2433.97
28%						6231.89	6405.89	6586.11	6772.54	6965.18	7164.04	7369.11	7580.39	7797.89	8015.39	8239.11	8462.82	8692.75
YrIncome						74,783	76,871	79,033	81,270	83,582	85,968	88,429	90,965	93,575	96,185	98,869	101,554	104,313
36%						2243.48	2306.12	2371.00	2438.11	2507.46	2579.05	2652.88	2728.94	2807.24	2885.54	2966.08	3046.62	3129.39
MaxDebt/Mth						498.55	512.47	526.89	541.80	557.21	573.12	589.53	606.43	623.83	641.23	659.13	677.03	695.42
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
290,000	130,500	159,500	0.00	422.92	483.33	768.79	813.45	859.71	907.56	957.00	1008.04	1060.68	1114.91	1170.73	1226.56	1283.98	1341.40	1400.41
PITI		45%Dwn				1675.04	1719.70	1765.96	1813.81	1863.25	1914.29	1966.93	2021.16	2076.98	2132.81	2190.23	2247.65	2306.66
28%						5982.29	6141.79	6306.98	6477.88	6654.46	6836.75	7024.73	7218.41	7417.79	7617.16	7822.23	8027.30	8238.07
YrIncome						71,787	73,701	75,684	77,735	79,854	82,041	84,297	86,621	89,013	91,406	93,867	96,328	98,857
36%						2153.62	2211.04	2270.51	2332.04	2395.61	2461.23	2528.90	2598.63	2670.40	2742.18	2816.00	2889.83	2965.71
MaxDebt/Mth						478.58	491.34	504.56	518.23	532.36	546.94	561.98	577.47	593.42	609.37	625.78	642.18	659.05
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
290,000	145,000	145,000	0.00	422.92	483.33	698.90	739.50	781.55	825.05	870.00	916.40	964.25	1013.55	1064.30	1115.05	1167.25	1219.45	1273.10
PITI		50%Dwn				1605.15	1645.75	1687.80	1731.30	1776.25	1822.65	1870.50	1919.80	1970.55	2021.30	2073.50	2125.70	2179.35
28%						5732.68	5877.68	6027.86	6183.21	6343.75	6509.46	6680.36	6856.43	7037.68	7218.93	7405.36	7591.79	7783.39
YrIncome						68,792	70,532	72,334	74,199	76,125	78,114 <