Computations based on a sale price of				$360,000
						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
360,000	18,000	342,000	222.30	525.00	600.00	1648.44	1744.20	1843.38	1945.98	2052.00	2161.44	2274.30	2390.58	2510.28	2629.98	2753.10	2876.22	3002.76
PITI		5% Dwn				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
28%						10699.07	11041.07	11395.29	11761.71	12140.36	12531.21	12934.29	13349.57	13777.07	14204.57	14644.29	15084.00	15535.93
YrIncome						128,389	132,493	136,743	141,141	145,684	150,375	155,211	160,195	165,325	170,455	175,731	181,008	186,431
36%						3851.67	3974.79	4102.30	4234.22	4370.53	4511.24	4656.34	4805.85	4959.75	5113.65	5271.94	5430.24	5592.93
MaxDebt/Mth						855.93	883.29	911.62	940.94	971.23	1002.50	1034.74	1067.97	1102.17	1136.37	1171.54	1206.72	1242.87
	Remember	Est. Closing Costs>>>>		21,600
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
360,000	36,000	324,000	140.40	525.00	600.00	1561.68	1652.40	1746.36	1843.56	1944.00	2047.68	2154.60	2264.76	2378.16	2491.56	2608.20	2724.84	2844.72
PITI		10%Dwn				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
28%						10096.71	10420.71	10756.29	11103.43	11462.14	11832.43	12214.29	12607.71	13012.71	13417.71	13834.29	14250.86	14679.00
YrIncome						121,161	125,049	129,075	133,241	137,546	141,989	146,571	151,293	156,153	161,013	166,011	171,010	176,148
36%						3634.82	3751.46	3872.26	3997.23	4126.37	4259.67	4397.14	4538.78	4684.58	4830.38	4980.34	5130.31	5284.44
MaxDebt/Mth						807.74	833.66	860.50	888.27	916.97	946.59	977.14	1008.62	1041.02	1073.42	1106.74	1140.07	1174.32
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
360,000	54,000	306,000	81.60	525.00	600.00	1474.92	1560.60	1649.34	1741.14	1836.00	1933.92	2034.90	2138.94	2246.04	2353.14	2463.30	2573.46	2686.68
PITI		15%Dwn				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
28%						9576.86	9882.86	10199.79	10527.64	10866.43	11216.14	11576.79	11948.36	12330.86	12713.36	13106.79	13500.21	13904.57
YrIncome						114,922	118,594	122,397	126,332	130,397	134,594	138,921	143,380	147,970	152,560	157,281	162,003	166,855
36%						3447.67	3557.83	3671.92	3789.95	3911.91	4037.81	4167.64	4301.41	4439.11	4576.81	4718.44	4860.08	5005.65
MaxDebt/Mth						766.15	790.63	815.98	842.21	869.31	897.29	926.14	955.87	986.47	1017.07	1048.54	1080.02	1112.37
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
360,000	72,000	288,000	0.00	525.00	600.00	1388.16	1468.80	1552.32	1638.72	1728.00	1820.16	1915.20	2013.12	2113.92	2214.72	2318.40	2422.08	2528.64
PITI		20%Dwn				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
28%						8975.57	9263.57	9561.86	9870.43	10189.29	10518.43	10857.86	11207.57	11567.57	11927.57	12297.86	12668.14	13048.71
YrIncome						107,707	111,163	114,742	118,445	122,271	126,221	130,294	134,491	138,811	143,131	147,574	152,018	156,585
36%						3231.21	3334.89	3442.27	3553.35	3668.14	3786.63	3908.83	4034.73	4164.33	4293.93	4427.23	4560.53	4697.54
MaxDebt/Mth						718.05	741.09	764.95	789.63	815.14	841.47	868.63	896.61	925.41	954.21	983.83	1013.45	1043.90
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
360,000	90,000	270,000	0.00	525.00	600.00	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		25%Dwn				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
28%						8665.71	8935.71	9215.36	9504.64	9803.57	10112.14	10430.36	10758.21	11095.71	11433.21	11780.36	12127.50	12484.29
YrIncome						103,989	107,229	110,584	114,056	117,643	121,346	125,164	129,099	133,149	137,199	141,364	145,530	149,811
36%						3119.66	3216.86	3317.53	3421.67	3529.29	3640.37	3754.93	3872.96	3994.46	4115.96	4240.93	4365.90	4494.34
MaxDebt/Mth						693.26	714.86	737.23	760.37	784.29	808.97	834.43	860.66	887.66	914.66	942.43	970.20	998.74
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
360,000	108,000	252,000	0.00	525.00	600.00	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		30%Dwn				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
28%						8355.86	8607.86	8868.86	9138.86	9417.86	9705.86	10002.86	10308.86	10623.86	10938.86	11262.86	11586.86	11919.86
YrIncome						100,270	103,294	106,426	109,666	113,014	116,470	120,034	123,706	127,486	131,266	135,154	139,042	143,038
36%						3008.11	3098.83	3192.79	3289.99	3390.43	3494.11	3601.03	3711.19	3824.59	3937.99	4054.63	4171.27	4291.15
MaxDebt/Mth						668.47	688.63	709.51	731.11	753.43	776.47	800.23	824.71	849.91	875.11	901.03	926.95	953.59
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
360,000	126,000	234,000	0.00	525.00	600.00	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		35%Dwn				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
28%						8046.00	8280.00	8522.36	8773.07	9032.14	9299.57	9575.36	9859.50	10152.00	10444.50	10745.36	11046.21	11355.43
YrIncome						96,552	99,360	102,268	105,277	108,386	111,595	114,904	118,314	121,824	125,334	128,944	132,555	136,265
36%						2896.56	2980.80	3068.05	3158.31	3251.57	3347.85	3447.13	3549.42	3654.72	3760.02	3868.33	3976.64	4087.95
MaxDebt/Mth						643.68	662.40	681.79	701.85	722.57	743.97	766.03	788.76	812.16	835.56	859.63	883.70	908.43
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
360,000	144,000	216,000	0.00	525.00	600.00	1041.12	1101.60	1164.24	1229.04	1296.00	1365.12	1436.40	1509.84	1585.44	1661.04	1738.80	1816.56	1896.48
PITI		40%Dwn				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
28%						7736.14	7952.14	8175.86	8407.29	8646.43	8893.29	9147.86	9410.14	9680.14	9950.14	10227.86	10505.57	10791.00
YrIncome						92,834	95,426	98,110	100,887	103,757	106,719	109,774	112,922	116,162	119,402	122,734	126,067	129,492
36%						2785.01	2862.77	2943.31	3026.62	3112.71	3201.58	3293.23	3387.65	3484.85	3582.05	3682.03	3782.01	3884.76
MaxDebt/Mth						618.89	636.17	654.07	672.58	691.71	711.46	731.83	752.81	774.41	796.01	818.23	840.45	863.28
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
360,000	162,000	198,000	0.00	525.00	600.00	954.36	1009.80	1067.22	1126.62	1188.00	1251.36	1316.70	1384.02	1453.32	1522.62	1593.90	1665.18	1738.44
PITI		45%Dwn				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
28%						7426.29	7624.29	7829.36	8041.50	8260.71	8487.00	8720.36	8960.79	9208.29	9455.79	9710.36	9964.93	10226.57
YrIncome						89,115	91,491	93,952	96,498	99,129	101,844	104,644	107,529	110,499	113,469	116,524	119,579	122,719
36%						2673.46	2744.74	2818.57	2894.94	2973.86	3055.32	3139.33	3225.88	3314.98	3404.08	3495.73	3587.37	3681.57
MaxDebt/Mth						594.10	609.94	626.35	643.32	660.86	678.96	697.63	716.86	736.66	756.46	776.83	797.19	818.13
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
360,000	180,000	180,000	0.00	525.00	600.00	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		50%Dwn				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
28%						7116.43	7296.43	7482.86	7675.71	7875.00	8080.71	8292.86	8511.43	8736.43	8961.43	9192.86	9424.29	9662.14
YrIncome						85,397	87,557	89,794	92,109	94,500	96,969	99,514	102,137	104,837	107,537	110,314	113,091	115,946
36%						2561.91	2626.71	2693.83	2763.26	2835.00	2909.06	2985.43	3064.11