Computations based on a sale price of  $310,000
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
       310,000       15,500        294,500 191.43 452.08 516.67 1419.49 1501.95 1587.36 1675.71 1767.00 1861.24 1958.43 2058.56 2161.63 2264.71 2370.73 2476.75 2585.71
 PITI  5% Dwn 2579.67 2662.13 2747.53 2835.88 2927.18 3021.42 3118.60 3218.73 3321.81 3424.88 3530.90 3636.92 3745.89
 28%      9213.09 9507.59 9812.61 10128.14 10454.20 10790.77 11137.86 11495.46 11863.59 12231.71 12610.36 12989.00 13378.16
 YrIncome           110,557      114,091      117,751      121,538      125,450      129,489      133,654      137,946      142,363      146,781      151,324      155,868      160,538
 36% 3316.71 3422.73 3532.54 3646.13 3763.51 3884.68 4009.63 4138.37 4270.89 4403.42 4539.73 4676.04 4816.14
 MaxDebt/Mth   737.05 760.61 785.01 810.25 836.34 863.26 891.03 919.64 949.09 978.54 1008.83 1039.12 1070.25
 Remember  Est. Closing Costs>>>>  18,600
 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
       310,000       31,000        279,000 120.90 452.08 516.67 1344.78 1422.90 1503.81 1587.51 1674.00 1763.28 1855.35 1950.21 2047.86 2145.51 2245.95 2346.39 2449.62
 PITI  10%Dwn 2434.43 2512.55 2593.46 2677.16 2763.65 2852.93 2945.00 3039.86 3137.51 3235.16 3335.60 3436.04 3539.27
 28%   8694.39 8973.39 9262.36 9561.29 9870.18 10189.04 10517.86 10856.64 11205.39 11554.14 11912.86 12271.57 12640.25
 YrIncome        104,333      107,681      111,148      114,735      118,442      122,268      126,214      130,280      134,465      138,650      142,954      147,259      151,683
 36%   3129.98 3230.42 3334.45 3442.06 3553.26 3668.05 3786.43 3908.39 4033.94 4159.49 4288.63 4417.77 4550.49
 MaxDebt/Mth   695.55 717.87 740.99 764.90 789.61 815.12 841.43 868.53 896.43 924.33 953.03 981.73 1011.22
 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
       310,000       46,500        263,500 70.27 452.08 516.67 1270.07 1343.85 1420.27 1499.32 1581.00 1665.32 1752.28 1841.87 1934.09 2026.32 2121.18 2216.04 2313.53
 PITI  15%Dwn 2309.09 2382.87 2459.28 2538.33 2620.02 2704.34 2791.29 2880.88 2973.11 3065.33 3160.19 3255.05 3352.55
 28%   8246.74 8510.24 8783.15 9065.47 9357.20 9658.35 9968.90 10288.86 10618.24 10947.61 11286.40 11625.18 11973.38
 YrIncome         98,961      102,123      105,398      108,786      112,286      115,900      119,627      123,466      127,419      131,371      135,437      139,502      143,681
 36% 2968.83 3063.69 3161.93 3263.57 3368.59 3477.00 3588.80 3703.99 3822.57 3941.14 4063.10 4185.07 4310.42
 MaxDebt/Mth 659.74 680.82 702.65 725.24 748.58 772.67 797.51 823.11 849.46 875.81 902.91 930.01 957.87
 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
       310,000       62,000        248,000 0.00 452.08 516.67 1195.36 1264.80 1336.72 1411.12 1488.00 1567.36 1649.20 1733.52 1820.32 1907.12 1996.40 2085.68 2177.44
 PITI  20%Dwn 2164.11 2233.55 2305.47 2379.87 2456.75 2536.11 2617.95 2702.27 2789.07 2875.87 2965.15 3054.43 3146.19
 28%   7728.96 7976.96 8233.82 8499.54 8774.11 9057.54 9349.82 9650.96 9960.96 10270.96 10589.82 10908.68 11236.39
 YrIncome       92,748       95,724       98,806      101,994      105,289      108,690      112,198      115,812      119,532      123,252      127,078      130,904      134,837
 36% 2782.43 2871.71 2964.18 3059.83 3158.68 3260.71 3365.94 3474.35 3585.95 3697.55 3812.34 3927.12 4045.10
 MaxDebt/Mth 618.32 638.16 658.71 679.96 701.93 724.60 747.99 772.08 796.88 821.68 847.19 872.69 898.91
 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
       310,000       77,500        232,500 0.00 452.08 516.67 1120.65 1185.75 1253.18 1322.93 1395.00 1469.40 1546.13 1625.18 1706.55 1787.93 1871.63 1955.33 2041.35
 PITI  25%Dwn 2089.40 2154.50 2221.93 2291.68 2363.75 2438.15 2514.88 2593.93 2675.30 2756.68 2840.38 2924.08 3010.10
 28%   7462.14 7694.64 7935.45 8184.55 8441.96 8707.68 8981.70 9264.02 9554.64 9845.27 10144.20 10443.13 10750.36
 YrIncome       89,546       92,336       95,225       98,215      101,304      104,492      107,780      111,168      114,656      118,143      121,730      125,318      129,004
 36% 2686.37 2770.07 2856.76 2946.44 3039.11 3134.76 3233.41 3335.05 3439.67 3544.30 3651.91 3759.53 3870.13
 MaxDebt/Mth 596.97 615.57 634.84 654.76 675.36 696.61 718.54 741.12 764.37 787.62 811.54 835.45 860.03
 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
       310,000       93,000        217,000 0.00 452.08 516.67 1045.94 1106.70 1169.63 1234.73 1302.00 1371.44 1443.05 1516.83 1592.78 1668.73 1746.85 1824.97 1905.26
 PITI  30%Dwn 2014.69 2075.45 2138.38 2203.48 2270.75 2340.19 2411.80 2485.58 2561.53 2637.48 2715.60 2793.72 2874.01
 28%   7195.32 7412.32 7637.07 7869.57 8109.82 8357.82 8613.57 8877.07 9148.32 9419.57 9698.57 9977.57 10264.32
 YrIncome       86,344       88,948       91,645       94,435       97,318      100,294      103,363      106,525      109,780      113,035      116,383      119,731      123,172
 36% 2590.32 2668.44 2749.35 2833.05 2919.54 3008.82 3100.89 3195.75 3293.40 3391.05 3491.49 3591.93 3695.16
 MaxDebt/Mth 575.63 592.99 610.97 629.57 648.79 668.63 689.09 710.17 731.87 753.57 775.89 798.21 821.15
 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
       310,000      108,500        201,500 0.00 452.08 516.67 971.23 1027.65 1086.09 1146.54 1209.00 1273.48 1339.98 1408.49 1479.01 1549.54 1622.08 1694.62 1769.17
 PITI  35%Dwn 1939.98 1996.40 2054.84 2115.29 2177.75 2242.23 2308.73 2377.24 2447.76 2518.29 2590.83 2663.37 2737.92
 28%   6928.50 7130.00 7338.70 7554.59 7777.68 8007.96 8245.45 8490.13 8742.00 8993.88 9252.95 9512.02 9778.29
 YrIncome       83,142       85,560       88,064       90,655       93,332       96,096       98,945      101,882      104,904      107,927      111,035      114,144      117,339
 36% 2494.26 2566.80 2641.93 2719.65 2799.96 2882.87 2968.36 3056.45 3147.12 3237.80 3331.06 3424.33 3520.18
 MaxDebt/Mth 554.28 570.40 587.10 604.37 622.21 640.64 659.64 679.21 699.36 719.51 740.24 760.96 782.26
 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
       310,000      124,000        186,000 0.00 452.08 516.67 896.52 948.60 1002.54 1058.34 1116.00 1175.52 1236.90 1300.14 1365.24 1430.34 1497.30 1564.26 1633.08
 PITI  40%Dwn 1865.27 1917.35 1971.29 2027.09 2084.75 2144.27 2205.65 2268.89 2333.99 2399.09 2466.05 2533.01 2601.83
 28%   6661.68 6847.68 7040.32 7239.61 7445.54 7658.11 7877.32 8103.18 8335.68 8568.18 8807.32 9046.46 9292.25
 YrIncome       79,940       82,172       84,484       86,875       89,346       91,897       94,528       97,238      100,028      102,818      105,688      108,558      111,507
 36% 2398.20 2465.16 2534.52 2606.26 2680.39 2756.92 2835.84 2917.14 3000.84 3084.54 3170.64 3256.73 3345.21
 MaxDebt/Mth 532.93 547.81 563.23 579.17 595.64 612.65 630.19 648.25 666.85 685.45 704.59 723.72 743.38
 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
       310,000      139,500        170,500 0.00 452.08 516.67 821.81 869.55 919.00 970.15 1023.00 1077.56 1133.83 1191.80 1251.47 1311.15 1372.53 1433.91 1496.99
 PITI  45%Dwn 1790.56 1838.30 1887.75 1938.90 1991.75 2046.31 2102.58 2160.55 2220.22 2279.90 2341.28 2402.66 2465.74
 28%   6394.86 6565.36 6741.95 6924.63 7113.39 7308.25 7509.20 7716.23 7929.36 8142.48 8361.70 8580.91 8806.21
 YrIncome       76,738       78,784       80,903       83,096       85,361       87,699       90,110       92,595       95,152       97,710      100,340      102,971      105,675
 36% 2302.15 2363.53 2427.10 2492.87 2560.82 2630.97 2703.31 2777.84 2854.57 2931.29 3010.21 3089.13 3170.24
 MaxDebt/Mth 511.59 525.23 539.36 553.97 569.07 584.66 600.74 617.30 634.35 651.40 668.94 686.47 704.50
 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
       310,000      155,000        155,000 0.00 452.08 516.67 747.10 790.50 835.45 881.95 930.00 979.60 1030.75 1083.45 1137.70 1191.95 1247.75 1303.55 1360.90
 PITI  50%Dwn 1715.85 1759.25 1804.20 1850.70 1898.75 1948.35 1999.50 2052.20 2106.45 2160.70 2216.50 2272.30 2329.65
 28%   6128.04 6283.04 6443.57 6609.64 6781.25 6958.39 7141.07 7329.29 7523.04 7716.79 7916.07 8115.36 8320.18
 YrIncome       73,536       75,396       77,323       79,316       81,375