Computations based on a sale price of				$420,000
						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
420,000	21,000	399,000	259.35	612.50	700.00	1923.18	2034.90	2150.61	2270.31	2394.00	2521.68	2653.35	2789.01	2928.66	3068.31	3211.95	3355.59	3503.22
PITI		5% Dwn				3495.03	3606.75	3722.46	3842.16	3965.85	4093.53	4225.20	4360.86	4500.51	4640.16	4783.80	4927.44	5075.07
28%						12482.25	12881.25	13294.50	13722.00	14163.75	14619.75	15090.00	15574.50	16073.25	16572.00	17085.00	17598.00	18125.25
YrIncome						149,787	154,575	159,534	164,664	169,965	175,437	181,080	186,894	192,879	198,864	205,020	211,176	217,503
36%						4493.61	4637.25	4786.02	4939.92	5098.95	5263.11	5432.40	5606.82	5786.37	5965.92	6150.60	6335.28	6525.09
MaxDebt/Mth						998.58	1030.50	1063.56	1097.76	1133.10	1169.58	1207.20	1245.96	1285.86	1325.76	1366.80	1407.84	1450.02
	Remember	Est. Closing Costs>>>>		25,200
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
420,000	42,000	378,000	163.80	612.50	700.00	1821.96	1927.80	2037.42	2150.82	2268.00	2388.96	2513.70	2642.22	2774.52	2906.82	3042.90	3178.98	3318.84
PITI		10%Dwn				3298.26	3404.10	3513.72	3627.12	3744.30	3865.26	3990.00	4118.52	4250.82	4383.12	4519.20	4655.28	4795.14
28%						11779.50	12157.50	12549.00	12954.00	13372.50	13804.50	14250.00	14709.00	15181.50	15654.00	16140.00	16626.00	17125.50
YrIncome						141,354	145,890	150,588	155,448	160,470	165,654	171,000	176,508	182,178	187,848	193,680	199,512	205,506
36%						4240.62	4376.70	4517.64	4663.44	4814.10	4969.62	5130.00	5295.24	5465.34	5635.44	5810.40	5985.36	6165.18
MaxDebt/Mth						942.36	972.60	1003.92	1036.32	1069.80	1104.36	1140.00	1176.72	1214.52	1252.32	1291.20	1330.08	1370.04
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
420,000	63,000	357,000	95.20	612.50	700.00	1720.74	1820.70	1924.23	2031.33	2142.00	2256.24	2374.05	2495.43	2620.38	2745.33	2873.85	3002.37	3134.46
PITI		15%Dwn				3128.44	3228.40	3331.93	3439.03	3549.70	3663.94	3781.75	3903.13	4028.08	4153.03	4281.55	4410.07	4542.16
28%						11173.00	11530.00	11899.75	12282.25	12677.50	13085.50	13506.25	13939.75	14386.00	14832.25	15291.25	15750.25	16222.00
YrIncome						134,076	138,360	142,797	147,387	152,130	157,026	162,075	167,277	172,632	177,987	183,495	189,003	194,664
36%						4022.28	4150.80	4283.91	4421.61	4563.90	4710.78	4862.25	5018.31	5178.96	5339.61	5504.85	5670.09	5839.92
MaxDebt/Mth						893.84	922.40	951.98	982.58	1014.20	1046.84	1080.50	1115.18	1150.88	1186.58	1223.30	1260.02	1297.76
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
420,000	84,000	336,000	0.00	612.50	700.00	1619.52	1713.60	1811.04	1911.84	2016.00	2123.52	2234.40	2348.64	2466.24	2583.84	2704.80	2825.76	2950.08
PITI		20%Dwn				2932.02	3026.10	3123.54	3224.34	3328.50	3436.02	3546.90	3661.14	3778.74	3896.34	4017.30	4138.26	4262.58
28%						10471.50	10807.50	11155.50	11515.50	11887.50	12271.50	12667.50	13075.50	13495.50	13915.50	14347.50	14779.50	15223.50
YrIncome						125,658	129,690	133,866	138,186	142,650	147,258	152,010	156,906	161,946	166,986	172,170	177,354	182,682
36%						3769.74	3890.70	4015.98	4145.58	4279.50	4417.74	4560.30	4707.18	4858.38	5009.58	5165.10	5320.62	5480.46
MaxDebt/Mth						837.72	864.60	892.44	921.24	951.00	981.72	1013.40	1046.04	1079.64	1113.24	1147.80	1182.36	1217.88
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
420,000	105,000	315,000	0.00	612.50	700.00	1518.30	1606.50	1697.85	1792.35	1890.00	1990.80	2094.75	2201.85	2312.10	2422.35	2535.75	2649.15	2765.70
PITI		25%Dwn				2830.80	2919.00	3010.35	3104.85	3202.50	3303.30	3407.25	3514.35	3624.60	3734.85	3848.25	3961.65	4078.20
28%						10110.00	10425.00	10751.25	11088.75	11437.50	11797.50	12168.75	12551.25	12945.00	13338.75	13743.75	14148.75	14565.00
YrIncome						121,320	125,100	129,015	133,065	137,250	141,570	146,025	150,615	155,340	160,065	164,925	169,785	174,780
36%						3639.60	3753.00	3870.45	3991.95	4117.50	4247.10	4380.75	4518.45	4660.20	4801.95	4947.75	5093.55	5243.40
MaxDebt/Mth						808.80	834.00	860.10	887.10	915.00	943.80	973.50	1004.10	1035.60	1067.10	1099.50	1131.90	1165.20
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
420,000	126,000	294,000	0.00	612.50	700.00	1417.08	1499.40	1584.66	1672.86	1764.00	1858.08	1955.10	2055.06	2157.96	2260.86	2366.70	2472.54	2581.32
PITI		30%Dwn				2729.58	2811.90	2897.16	2985.36	3076.50	3170.58	3267.60	3367.56	3470.46	3573.36	3679.20	3785.04	3893.82
28%						9748.50	10042.50	10347.00	10662.00	10987.50	11323.50	11670.00	12027.00	12394.50	12762.00	13140.00	13518.00	13906.50
YrIncome						116,982	120,510	124,164	127,944	131,850	135,882	140,040	144,324	148,734	153,144	157,680	162,216	166,878
36%						3509.46	3615.30	3724.92	3838.32	3955.50	4076.46	4201.20	4329.72	4462.02	4594.32	4730.40	4866.48	5006.34
MaxDebt/Mth						779.88	803.40	827.76	852.96	879.00	905.88	933.60	962.16	991.56	1020.96	1051.20	1081.44	1112.52
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
420,000	147,000	273,000	0.00	612.50	700.00	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		35%Dwn				2628.36	2704.80	2783.97	2865.87	2950.50	3037.86	3127.95	3220.77	3316.32	3411.87	3510.15	3608.43	3709.44
28%						9387.00	9660.00	9942.75	10235.25	10537.50	10849.50	11171.25	11502.75	11844.00	12185.25	12536.25	12887.25	13248.00
YrIncome						112,644	115,920	119,313	122,823	126,450	130,194	134,055	138,033	142,128	146,223	150,435	154,647	158,976
36%						3379.32	3477.60	3579.39	3684.69	3793.50	3905.82	4021.65	4140.99	4263.84	4386.69	4513.05	4639.41	4769.28
MaxDebt/Mth						750.96	772.80	795.42	818.82	843.00	867.96	893.70	920.22	947.52	974.82	1002.90	1030.98	1059.84
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
420,000	168,000	252,000	0.00	612.50	700.00	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		40%Dwn				2527.14	2597.70	2670.78	2746.38	2824.50	2905.14	2988.30	3073.98	3162.18	3250.38	3341.10	3431.82	3525.06
28%						9025.50	9277.50	9538.50	9808.50	10087.50	10375.50	10672.50	10978.50	11293.50	11608.50	11932.50	12256.50	12589.50
YrIncome						108,306	111,330	114,462	117,702	121,050	124,506	128,070	131,742	135,522	139,302	143,190	147,078	151,074
36%						3249.18	3339.90	3433.86	3531.06	3631.50	3735.18	3842.10	3952.26	4065.66	4179.06	4295.70	4412.34	4532.22
MaxDebt/Mth						722.04	742.20	763.08	784.68	807.00	830.04	853.80	878.28	903.48	928.68	954.60	980.52	1007.16
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
420,000	189,000	231,000	0.00	612.50	700.00	1113.42	1178.10	1245.09	1314.39	1386.00	1459.92	1536.15	1614.69	1695.54	1776.39	1859.55	1942.71	2028.18
PITI		45%Dwn				2425.92	2490.60	2557.59	2626.89	2698.50	2772.42	2848.65	2927.19	3008.04	3088.89	3172.05	3255.21	3340.68
28%						8664.00	8895.00	9134.25	9381.75	9637.50	9901.50	10173.75	10454.25	10743.00	11031.75	11328.75	11625.75	11931.00
YrIncome						103,968	106,740	109,611	112,581	115,650	118,818	122,085	125,451	128,916	132,381	135,945	139,509	143,172
36%						3119.04	3202.20	3288.33	3377.43	3469.50	3564.54	3662.55	3763.53	3867.48	3971.43	4078.35	4185.27	4295.16
MaxDebt/Mth						693.12	711.60	730.74	750.54	771.00	792.12	813.90	836.34	859.44	882.54	906.30	930.06	954.48
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
420,000	210,000	210,000	0.00	612.50	700.00	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		50%Dwn				2324.70	2383.50	2444.40	2507.40	2572.50	2639.70	2709.00	2780.40	2853.90	2927.40	3003.00	3078.60	3156.30
28%						8302.50	8512.50	8730.00	8955.00	9187.50	9427.50	9675.00	9930.00	10192.50	10455.00	10725.00	10995.00	11272.50
YrIncome						99,630	102,150	104,760	107,460	110,250	113,130	116,100	119,160	122,310	125,460	128,700	131,940	135,270
36%						2988.90	3064.50	3142.80	3223.80	3307.50	3393.90	3483.00	3574.80	3669.30	3763.80	3861.00	3958.20	4058.10
MaxDebt/Mth						664.20	681.00	698.40	716.40	735.00	754.20	774.00	794.40	815.40	836.40	858.00	879.60	901.80