Computations based on a sale price of				$390,000
						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
390,000	19,500	370,500	240.83	568.75	650.00	1785.81	1889.55	1997.00	2108.15	2223.00	2341.56	2463.83	2589.80	2719.47	2849.15	2982.53	3115.91	3252.99
PITI		5% Dwn				3245.39	3349.13	3456.57	3567.72	3682.58	3801.14	3923.40	4049.37	4179.05	4308.72	4442.10	4575.48	4712.57
28%						11590.66	11961.16	12344.89	12741.86	13152.05	13575.48	14012.14	14462.04	14925.16	15388.29	15864.64	16341.00	16830.59
YrIncome						139,088	143,534	148,139	152,902	157,825	162,906	168,146	173,544	179,102	184,659	190,376	196,092	201,967
36%						4172.64	4306.02	4444.16	4587.07	4734.74	4887.17	5044.37	5206.33	5373.06	5539.78	5711.27	5882.76	6059.01
MaxDebt/Mth						927.25	956.89	987.59	1019.35	1052.16	1086.04	1120.97	1156.96	1194.01	1231.06	1269.17	1307.28	1346.45
	Remember	Est. Closing Costs>>>>		23,400
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
390,000	39,000	351,000	152.10	568.75	650.00	1691.82	1790.10	1891.89	1997.19	2106.00	2218.32	2334.15	2453.49	2576.34	2699.19	2825.55	2951.91	3081.78
PITI		10%Dwn				3062.67	3160.95	3262.74	3368.04	3476.85	3589.17	3705.00	3824.34	3947.19	4070.04	4196.40	4322.76	4452.63
28%						10938.11	11289.11	11652.64	12028.71	12417.32	12818.46	13232.14	13658.36	14097.11	14535.86	14987.14	15438.43	15902.25
YrIncome						131,257	135,469	139,832	144,345	149,008	153,822	158,786	163,900	169,165	174,430	179,846	185,261	190,827
36%						3937.72	4064.08	4194.95	4330.34	4470.24	4614.65	4763.57	4917.01	5074.96	5232.91	5395.37	5557.83	5724.81
MaxDebt/Mth						875.05	903.13	932.21	962.30	993.39	1025.48	1058.57	1092.67	1127.77	1162.87	1198.97	1235.07	1272.18
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
390,000	58,500	331,500	88.40	568.75	650.00	1597.83	1690.65	1786.79	1886.24	1989.00	2095.08	2204.48	2317.19	2433.21	2549.24	2668.58	2787.92	2910.57
PITI		15%Dwn				2904.98	2997.80	3093.94	3193.39	3296.15	3402.23	3511.63	3624.34	3740.36	3856.39	3975.73	4095.07	4217.72
28%						10374.93	10706.43	11049.77	11404.95	11771.96	12150.82	12541.52	12944.05	13358.43	13772.80	14199.02	14625.23	15063.29
YrIncome						124,499	128,477	132,597	136,859	141,264	145,810	150,498	155,329	160,301	165,274	170,388	175,503	180,759
36%						3734.97	3854.31	3977.92	4105.78	4237.91	4374.30	4514.95	4659.86	4809.03	4958.21	5111.65	5265.08	5422.78
MaxDebt/Mth						829.99	856.51	883.98	912.40	941.76	972.07	1003.32	1035.52	1068.67	1101.82	1135.92	1170.02	1205.06
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
390,000	78,000	312,000	0.00	568.75	650.00	1503.84	1591.20	1681.68	1775.28	1872.00	1971.84	2074.80	2180.88	2290.08	2399.28	2511.60	2623.92	2739.36
PITI		20%Dwn				2722.59	2809.95	2900.43	2994.03	3090.75	3190.59	3293.55	3399.63	3508.83	3618.03	3730.35	3842.67	3958.11
28%						9723.54	10035.54	10358.68	10692.96	11038.39	11394.96	11762.68	12141.54	12531.54	12921.54	13322.68	13723.82	14136.11
YrIncome						116,682	120,426	124,304	128,316	132,461	136,740	141,152	145,698	150,378	155,058	159,872	164,686	169,633
36%						3500.47	3612.79	3729.12	3849.47	3973.82	4102.19	4234.56	4370.95	4511.35	4651.75	4796.16	4940.58	5089.00
MaxDebt/Mth						777.88	802.84	828.69	855.44	883.07	911.60	941.01	971.32	1002.52	1033.72	1065.81	1097.91	1130.89
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
390,000	97,500	292,500	0.00	568.75	650.00	1409.85	1491.75	1576.58	1664.33	1755.00	1848.60	1945.13	2044.58	2146.95	2249.33	2354.63	2459.93	2568.15
PITI		25%Dwn				2628.60	2710.50	2795.33	2883.08	2973.75	3067.35	3163.88	3263.33	3365.70	3468.08	3573.38	3678.68	3786.90
28%						9387.86	9680.36	9983.30	10296.70	10620.54	10954.82	11299.55	11654.73	12020.36	12385.98	12762.05	13138.13	13524.64
YrIncome						112,654	116,164	119,800	123,560	127,446	131,458	135,595	139,857	144,244	148,632	153,145	157,658	162,296
36%						3379.63	3484.93	3593.99	3706.81	3823.39	3943.74	4067.84	4195.70	4327.33	4458.95	4594.34	4729.73	4868.87
MaxDebt/Mth						751.03	774.43	798.66	823.74	849.64	876.39	903.96	932.38	961.63	990.88	1020.96	1051.05	1081.97
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
390,000	117,000	273,000	0.00	568.75	650.00	1315.86	1392.30	1471.47	1553.37	1638.00	1725.36	1815.45	1908.27	2003.82	2099.37	2197.65	2295.93	2396.94
PITI		30%Dwn				2534.61	2611.05	2690.22	2772.12	2856.75	2944.11	3034.20	3127.02	3222.57	3318.12	3416.40	3514.68	3615.69
28%						9052.18	9325.18	9607.93	9900.43	10202.68	10514.68	10836.43	11167.93	11509.18	11850.43	12201.43	12552.43	12913.18
YrIncome						108,626	111,902	115,295	118,805	122,432	126,176	130,037	134,015	138,110	142,205	146,417	150,629	154,958
36%						3258.78	3357.06	3458.85	3564.15	3672.96	3785.28	3901.11	4020.45	4143.30	4266.15	4392.51	4518.87	4648.74
MaxDebt/Mth						724.17	746.01	768.63	792.03	816.21	841.17	866.91	893.43	920.73	948.03	976.11	1004.19	1033.05
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
390,000	136,500	253,500	0.00	568.75	650.00	1221.87	1292.85	1366.37	1442.42	1521.00	1602.12	1685.78	1771.97	1860.69	1949.42	2040.68	2131.94	2225.73
PITI		35%Dwn				2440.62	2511.60	2585.12	2661.17	2739.75	2820.87	2904.53	2990.72	3079.44	3168.17	3259.43	3350.69	3444.48
28%						8716.50	8970.00	9232.55	9504.16	9784.82	10074.54	10373.30	10681.13	10998.00	11314.88	11640.80	11966.73	12301.71
YrIncome						104,598	107,640	110,791	114,050	117,418	120,894	124,480	128,174	131,976	135,779	139,690	143,601	147,621
36%						3137.94	3229.20	3323.72	3421.50	3522.54	3626.83	3734.39	3845.21	3959.28	4073.36	4190.69	4308.02	4428.62
MaxDebt/Mth						697.32	717.60	738.60	760.33	782.79	805.96	829.86	854.49	879.84	905.19	931.26	957.34	984.14
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
390,000	156,000	234,000	0.00	568.75	650.00	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		40%Dwn				2346.63	2412.15	2480.01	2550.21	2622.75	2697.63	2774.85	2854.41	2936.31	3018.21	3102.45	3186.69	3273.27
28%						8380.82	8614.82	8857.18	9107.89	9366.96	9634.39	9910.18	10194.32	10486.82	10779.32	11080.18	11381.04	11690.25
YrIncome						100,570	103,378	106,286	109,295	112,404	115,613	118,922	122,332	125,842	129,352	132,962	136,572	140,283
36%						3017.10	3101.34	3188.58	3278.84	3372.11	3468.38	3567.66	3669.96	3775.26	3880.56	3988.86	4097.17	4208.49
MaxDebt/Mth						670.47	689.19	708.57	728.63	749.36	770.75	792.81	815.55	838.95	862.35	886.41	910.48	935.22
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
390,000	175,500	214,500	0.00	568.75	650.00	1033.89	1093.95	1156.16	1220.51	1287.00	1355.64	1426.43	1499.36	1574.43	1649.51	1726.73	1803.95	1883.31
PITI		45%Dwn				2252.64	2312.70	2374.91	2439.26	2505.75	2574.39	2645.18	2718.11	2793.18	2868.26	2945.48	3022.70	3102.06
28%						8045.14	8259.64	8481.80	8711.63	8949.11	9194.25	9447.05	9707.52	9975.64	10243.77	10519.55	10795.34	11078.79
YrIncome						96,542	99,116	101,782	104,540	107,389	110,331	113,365	116,490	119,708	122,925	126,235	129,544	132,945
36%						2896.25	2973.47	3053.45	3136.19	3221.68	3309.93	3400.94	3494.71	3591.23	3687.76	3787.04	3886.32	3988.36
MaxDebt/Mth						643.61	660.77	678.54	696.93	715.93	735.54	755.76	776.60	798.05	819.50	841.56	863.63	886.30
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
390,000	195,000	195,000	0.00	568.75	650.00	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		50%Dwn				2158.65	2213.25	2269.80	2328.30	2388.75	2451.15	2515.50	2581.80	2650.05	2718.30	2788.50	2858.70	2930.85
28%						7709.46	7904.46	8106.43	8315.36	8531.25	8754.11	8983.93	9220.71	9464.46	9708.21	9958.93	10209.64	10467.32
YrIncome						92,514	94,854	97,277	99,784	102,375	105,049	107,807	110,649