Computations based on a sale price of				$300,000
						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
300,000	15,000	285,000	185.25	437.50	500.00	1373.70	1453.50	1536.15	1621.65	1710.00	1801.20	1895.25	1992.15	2091.90	2191.65	2294.25	2396.85	2502.30
PITI		5% Dwn				2496.45	2576.25	2658.90	2744.40	2832.75	2923.95	3018.00	3114.90	3214.65	3314.40	3417.00	3519.60	3625.05
28%						8915.89	9200.89	9496.07	9801.43	10116.96	10442.68	10778.57	11124.64	11480.89	11837.14	12203.57	12570.00	12946.61
YrIncome						106,991	110,411	113,953	117,617	121,404	125,312	129,343	133,496	137,771	142,046	146,443	150,840	155,359
36%						3209.72	3312.32	3418.59	3528.51	3642.11	3759.36	3880.29	4004.87	4133.12	4261.37	4393.29	4525.20	4660.78
MaxDebt/Mth						713.27	736.07	759.69	784.11	809.36	835.41	862.29	889.97	918.47	946.97	976.29	1005.60	1035.73
	Remember	Est. Closing Costs>>>>		18,000
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
300,000	30,000	270,000	117.00	437.50	500.00	1301.40	1377.00	1455.30	1536.30	1620.00	1706.40	1795.50	1887.30	1981.80	2076.30	2173.50	2270.70	2370.60
PITI		10%Dwn				2355.90	2431.50	2509.80	2590.80	2674.50	2760.90	2850.00	2941.80	3036.30	3130.80	3228.00	3325.20	3425.10
28%						8413.93	8683.93	8963.57	9252.86	9551.79	9860.36	10178.57	10506.43	10843.93	11181.43	11528.57	11875.71	12232.50
YrIncome						100,967	104,207	107,563	111,034	114,621	118,324	122,143	126,077	130,127	134,177	138,343	142,509	146,790
36%						3029.01	3126.21	3226.89	3331.03	3438.64	3549.73	3664.29	3782.31	3903.81	4025.31	4150.29	4275.26	4403.70
MaxDebt/Mth						673.11	694.71	717.09	740.23	764.14	788.83	814.29	840.51	867.51	894.51	922.29	950.06	978.60
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
300,000	45,000	255,000	68.00	437.50	500.00	1229.10	1300.50	1374.45	1450.95	1530.00	1611.60	1695.75	1782.45	1871.70	1960.95	2052.75	2144.55	2238.90
PITI		15%Dwn				2234.60	2306.00	2379.95	2456.45	2535.50	2617.10	2701.25	2787.95	2877.20	2966.45	3058.25	3150.05	3244.40
28%						7980.71	8235.71	8499.82	8773.04	9055.36	9346.79	9647.32	9956.96	10275.71	10594.46	10922.32	11250.18	11587.14
YrIncome						95,769	98,829	101,998	105,276	108,664	112,161	115,768	119,484	123,309	127,134	131,068	135,002	139,046
36%						2873.06	2964.86	3059.94	3158.29	3259.93	3364.84	3473.04	3584.51	3699.26	3814.01	3932.04	4050.06	4171.37
MaxDebt/Mth						638.46	658.86	679.99	701.84	724.43	747.74	771.79	796.56	822.06	847.56	873.79	900.01	926.97
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
300,000	60,000	240,000	0.00	437.50	500.00	1156.80	1224.00	1293.60	1365.60	1440.00	1516.80	1596.00	1677.60	1761.60	1845.60	1932.00	2018.40	2107.20
PITI		20%Dwn				2094.30	2161.50	2231.10	2303.10	2377.50	2454.30	2533.50	2615.10	2699.10	2783.10	2869.50	2955.90	3044.70
28%						7479.64	7719.64	7968.21	8225.36	8491.07	8765.36	9048.21	9339.64	9639.64	9939.64	10248.21	10556.79	10873.93
YrIncome						89,756	92,636	95,619	98,704	101,893	105,184	108,579	112,076	115,676	119,276	122,979	126,681	130,487
36%						2692.67	2779.07	2868.56	2961.13	3056.79	3155.53	3257.36	3362.27	3470.27	3578.27	3689.36	3800.44	3914.61
MaxDebt/Mth						598.37	617.57	637.46	658.03	679.29	701.23	723.86	747.17	771.17	795.17	819.86	844.54	869.91
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
300,000	75,000	225,000	0.00	437.50	500.00	1084.50	1147.50	1212.75	1280.25	1350.00	1422.00	1496.25	1572.75	1651.50	1730.25	1811.25	1892.25	1975.50
PITI		25%Dwn				2022.00	2085.00	2150.25	2217.75	2287.50	2359.50	2433.75	2510.25	2589.00	2667.75	2748.75	2829.75	2913.00
28%						7221.43	7446.43	7679.46	7920.54	8169.64	8426.79	8691.96	8965.18	9246.43	9527.68	9816.96	10106.25	10403.57
YrIncome						86,657	89,357	92,154	95,046	98,036	101,121	104,304	107,582	110,957	114,332	117,804	121,275	124,843
36%						2599.71	2680.71	2764.61	2851.39	2941.07	3033.64	3129.11	3227.46	3328.71	3429.96	3534.11	3638.25	3745.29
MaxDebt/Mth						577.71	595.71	614.36	633.64	653.57	674.14	695.36	717.21	739.71	762.21	785.36	808.50	832.29
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
300,000	90,000	210,000	0.00	437.50	500.00	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		30%Dwn				1949.70	2008.50	2069.40	2132.40	2197.50	2264.70	2334.00	2405.40	2478.90	2552.40	2628.00	2703.60	2781.30
28%						6963.21	7173.21	7390.71	7615.71	7848.21	8088.21	8335.71	8590.71	8853.21	9115.71	9385.71	9655.71	9933.21
YrIncome						83,559	86,079	88,689	91,389	94,179	97,059	100,029	103,089	106,239	109,389	112,629	115,869	119,199
36%						2506.76	2582.36	2660.66	2741.66	2825.36	2911.76	3000.86	3092.66	3187.16	3281.66	3378.86	3476.06	3575.96
MaxDebt/Mth						557.06	573.86	591.26	609.26	627.86	647.06	666.86	687.26	708.26	729.26	750.86	772.46	794.66
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
300,000	105,000	195,000	0.00	437.50	500.00	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		35%Dwn				1877.40	1932.00	1988.55	2047.05	2107.50	2169.90	2234.25	2300.55	2368.80	2437.05	2507.25	2577.45	2649.60
28%						6705.00	6900.00	7101.96	7310.89	7526.79	7749.64	7979.46	8216.25	8460.00	8703.75	8954.46	9205.18	9462.86
YrIncome						80,460	82,800	85,224	87,731	90,321	92,996	95,754	98,595	101,520	104,445	107,454	110,462	113,554
36%						2413.80	2484.00	2556.71	2631.92	2709.64	2789.87	2872.61	2957.85	3045.60	3133.35	3223.61	3313.86	3406.63
MaxDebt/Mth						536.40	552.00	568.16	584.87	602.14	619.97	638.36	657.30	676.80	696.30	716.36	736.41	757.03
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
300,000	120,000	180,000	0.00	437.50	500.00	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		40%Dwn				1805.10	1855.50	1907.70	1961.70	2017.50	2075.10	2134.50	2195.70	2258.70	2321.70	2386.50	2451.30	2517.90
28%						6446.79	6626.79	6813.21	7006.07	7205.36	7411.07	7623.21	7841.79	8066.79	8291.79	8523.21	8754.64	8992.50
YrIncome						77,361	79,521	81,759	84,073	86,464	88,933	91,479	94,101	96,801	99,501	102,279	105,056	107,910
36%						2320.84	2385.64	2452.76	2522.19	2593.93	2667.99	2744.36	2823.04	2904.04	2985.04	3068.36	3151.67	3237.30
MaxDebt/Mth						515.74	530.14	545.06	560.49	576.43	592.89	609.86	627.34	645.34	663.34	681.86	700.37	719.40
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
300,000	135,000	165,000	0.00	437.50	500.00	795.30	841.50	889.35	938.85	990.00	1042.80	1097.25	1153.35	1211.10	1268.85	1328.25	1387.65	1448.70
PITI		45%Dwn				1732.80	1779.00	1826.85	1876.35	1927.50	1980.30	2034.75	2090.85	2148.60	2206.35	2265.75	2325.15	2386.20
28%						6188.57	6353.57	6524.46	6701.25	6883.93	7072.50	7266.96	7467.32	7673.57	7879.82	8091.96	8304.11	8522.14
YrIncome						74,263	76,243	78,294	80,415	82,607	84,870	87,204	89,608	92,083	94,558	97,104	99,649	102,266
36%						2227.89	2287.29	2348.81	2412.45	2478.21	2546.10	2616.11	2688.24	2762.49	2836.74	2913.11	2989.48	3067.97
MaxDebt/Mth						495.09	508.29	521.96	536.10	550.71	565.80	581.36	597.39	613.89	630.39	647.36	664.33	681.77
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
300,000	150,000	150,000	0.00	437.50	500.00	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		50%Dwn				1660.50	1702.50	1746.00	1791.00	1837.50	1885.50	1935.00	1986.00	2038.50	2091.00	2145.00	2199.00	2254.50
28%						5930.36	6080.36	6235.71	6396.43	6562.50	6733.93	6910.71	7092.86	7280.36	7467.86	7660.71	7853.57	8051.79
YrIncome						71,164	72,964	74,829	76,757	78,750	80,807	82,929	85,114	87,364	89,614	91,929	94,243	96,621
36%						2134.93	2188.93	2244.86	2302.71	2362.50	2424.21	2487.86	2553.43	2620.93