Computations based on a sale price of				$460,000
						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
460,000	23,000	437,000	284.05	670.83	766.67	2106.34	2228.70	2355.43	2486.53	2622.00	2761.84	2906.05	3054.63	3207.58	3360.53	3517.85	3675.17	3836.86
PITI		5% Dwn				3827.89	3950.25	4076.98	4208.08	4343.55	4483.39	4627.60	4776.18	4929.13	5082.08	5239.40	5396.72	5558.41
28%						13671.04	14108.04	14560.64	15028.86	15512.68	16012.11	16527.14	17057.79	17604.04	18150.29	18712.14	19274.00	19851.46
YrIncome						164,052	169,296	174,728	180,346	186,152	192,145	198,326	204,693	211,248	217,803	224,546	231,288	238,218
36%						4921.57	5078.89	5241.83	5410.39	5584.56	5764.36	5949.77	6140.80	6337.45	6534.10	6736.37	6938.64	7146.53
MaxDebt/Mth						1093.68	1128.64	1164.85	1202.31	1241.01	1280.97	1322.17	1364.62	1408.32	1452.02	1496.97	1541.92	1588.12
	Remember	Est. Closing Costs>>>>		27,600
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
460,000	46,000	414,000	179.40	670.83	766.67	1995.48	2111.40	2231.46	2355.66	2484.00	2616.48	2753.10	2893.86	3038.76	3183.66	3332.70	3481.74	3634.92
PITI		10%Dwn				3612.38	3728.30	3848.36	3972.56	4100.90	4233.38	4370.00	4510.76	4655.66	4800.56	4949.60	5098.64	5251.82
28%						12901.36	13315.36	13744.14	14187.71	14646.07	15119.21	15607.14	16109.86	16627.36	17144.86	17677.14	18209.43	18756.50
YrIncome						154,816	159,784	164,930	170,253	175,753	181,431	187,286	193,318	199,528	205,738	212,126	218,513	225,078
36%						4644.49	4793.53	4947.89	5107.58	5272.59	5442.92	5618.57	5799.55	5985.85	6172.15	6363.77	6555.39	6752.34
MaxDebt/Mth						1032.11	1065.23	1099.53	1135.02	1171.69	1209.54	1248.57	1288.79	1330.19	1371.59	1414.17	1456.75	1500.52
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
460,000	69,000	391,000	104.27	670.83	766.67	1884.62	1994.10	2107.49	2224.79	2346.00	2471.12	2600.15	2733.09	2869.94	3006.79	3147.55	3288.31	3432.98
PITI		15%Dwn				3426.39	3535.87	3649.26	3766.56	3887.77	4012.89	4141.92	4274.86	4411.71	4548.56	4689.32	4830.08	4974.75
28%						12237.10	12628.10	13033.06	13451.99	13884.88	14331.74	14792.56	15267.35	15756.10	16244.85	16747.56	17250.27	17766.95
YrIncome						146,845	151,537	156,397	161,424	166,619	171,981	177,511	183,208	189,073	194,938	200,971	207,003	213,203
36%						4405.35	4546.11	4691.90	4842.72	4998.56	5159.43	5325.32	5496.24	5672.19	5848.14	6029.12	6210.10	6396.10
MaxDebt/Mth						978.97	1010.25	1042.64	1076.16	1110.79	1146.54	1183.40	1221.39	1260.49	1299.59	1339.80	1380.02	1421.36
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
460,000	92,000	368,000	0.00	670.83	766.67	1773.76	1876.80	1983.52	2093.92	2208.00	2325.76	2447.20	2572.32	2701.12	2829.92	2962.40	3094.88	3231.04
PITI		20%Dwn				3211.26	3314.30	3421.02	3531.42	3645.50	3763.26	3884.70	4009.82	4138.62	4267.42	4399.90	4532.38	4668.54
28%						11468.79	11836.79	12217.93	12612.21	13019.64	13440.21	13873.93	14320.79	14780.79	15240.79	15713.93	16187.07	16673.36
YrIncome						137,625	142,041	146,615	151,347	156,236	161,283	166,487	171,849	177,369	182,889	188,567	194,245	200,080
36%						4128.76	4261.24	4398.45	4540.40	4687.07	4838.48	4994.61	5155.48	5321.08	5486.68	5657.01	5827.35	6002.41
MaxDebt/Mth						917.50	946.94	977.43	1008.98	1041.57	1075.22	1109.91	1145.66	1182.46	1219.26	1257.11	1294.97	1333.87
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
460,000	115,000	345,000	0.00	670.83	766.67	1662.90	1759.50	1859.55	1963.05	2070.00	2180.40	2294.25	2411.55	2532.30	2653.05	2777.25	2901.45	3029.10
PITI		25%Dwn				3100.40	3197.00	3297.05	3400.55	3507.50	3617.90	3731.75	3849.05	3969.80	4090.55	4214.75	4338.95	4466.60
28%						11072.86	11417.86	11775.18	12144.82	12526.79	12921.07	13327.68	13746.61	14177.86	14609.11	15052.68	15496.25	15952.14
YrIncome						132,874	137,014	141,302	145,738	150,321	155,053	159,932	164,959	170,134	175,309	180,632	185,955	191,426
36%						3986.23	4110.43	4239.06	4372.14	4509.64	4651.59	4797.96	4948.78	5104.03	5259.28	5418.96	5578.65	5742.77
MaxDebt/Mth						885.83	913.43	942.01	971.59	1002.14	1033.69	1066.21	1099.73	1134.23	1168.73	1204.21	1239.70	1276.17
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
460,000	138,000	322,000	0.00	670.83	766.67	1552.04	1642.20	1735.58	1832.18	1932.00	2035.04	2141.30	2250.78	2363.48	2476.18	2592.10	2708.02	2827.16
PITI		30%Dwn				2989.54	3079.70	3173.08	3269.68	3369.50	3472.54	3578.80	3688.28	3800.98	3913.68	4029.60	4145.52	4264.66
28%						10676.93	10998.93	11332.43	11677.43	12033.93	12401.93	12781.43	13172.43	13574.93	13977.43	14391.43	14805.43	15230.93
YrIncome						128,123	131,987	135,989	140,129	144,407	148,823	153,377	158,069	162,899	167,729	172,697	177,665	182,771
36%						3843.69	3959.61	4079.67	4203.87	4332.21	4464.69	4601.31	4742.07	4886.97	5031.87	5180.91	5329.95	5483.13
MaxDebt/Mth						854.15	879.91	906.59	934.19	962.71	992.15	1022.51	1053.79	1085.99	1118.19	1151.31	1184.43	1218.47
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
460,000	161,000	299,000	0.00	670.83	766.67	1441.18	1524.90	1611.61	1701.31	1794.00	1889.68	1988.35	2090.01	2194.66	2299.31	2406.95	2514.59	2625.22
PITI		35%Dwn				2878.68	2962.40	3049.11	3138.81	3231.50	3327.18	3425.85	3527.51	3632.16	3736.81	3844.45	3952.09	4062.72
28%						10281.00	10580.00	10889.68	11210.04	11541.07	11882.79	12235.18	12598.25	12972.00	13345.75	13730.18	14114.61	14509.71
YrIncome						123,372	126,960	130,676	134,520	138,493	142,593	146,822	151,179	155,664	160,149	164,762	169,375	174,117
36%						3701.16	3808.80	3920.28	4035.61	4154.79	4277.80	4404.66	4535.37	4669.92	4804.47	4942.86	5081.26	5223.50
MaxDebt/Mth						822.48	846.40	871.17	896.80	923.29	950.62	978.81	1007.86	1037.76	1067.66	1098.41	1129.17	1160.78
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
460,000	184,000	276,000	0.00	670.83	766.67	1330.32	1407.60	1487.64	1570.44	1656.00	1744.32	1835.40	1929.24	2025.84	2122.44	2221.80	2321.16	2423.28
PITI		40%Dwn				2767.82	2845.10	2925.14	3007.94	3093.50	3181.82	3272.90	3366.74	3463.34	3559.94	3659.30	3758.66	3860.78
28%						9885.07	10161.07	10446.93	10742.64	11048.21	11363.64	11688.93	12024.07	12369.07	12714.07	13068.93	13423.79	13788.50
YrIncome						118,621	121,933	125,363	128,912	132,579	136,364	140,267	144,289	148,429	152,569	156,827	161,085	165,462
36%						3558.63	3657.99	3760.89	3867.35	3977.36	4090.91	4208.01	4328.67	4452.87	4577.07	4704.81	4832.56	4963.86
MaxDebt/Mth						790.81	812.89	835.75	859.41	883.86	909.09	935.11	961.93	989.53	1017.13	1045.51	1073.90	1103.08
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
460,000	207,000	253,000	0.00	670.83	766.67	1219.46	1290.30	1363.67	1439.57	1518.00	1598.96	1682.45	1768.47	1857.02	1945.57	2036.65	2127.73	2221.34
PITI		45%Dwn				2656.96	2727.80	2801.17	2877.07	2955.50	3036.46	3119.95	3205.97	3294.52	3383.07	3474.15	3565.23	3658.84
28%						9489.14	9742.14	10004.18	10275.25	10555.36	10844.50	11142.68	11449.89	11766.14	12082.39	12407.68	12732.96	13067.29
YrIncome						113,870	116,906	120,050	123,303	126,664	130,134	133,712	137,399	141,194	144,989	148,892	152,796	156,807
36%						3416.09	3507.17	3601.50	3699.09	3799.93	3904.02	4011.36	4121.96	4235.81	4349.66	4466.76	4583.87	4704.22
MaxDebt/Mth						759.13	779.37	800.33	822.02	844.43	867.56	891.41	915.99	941.29	966.59	992.61	1018.64	1045.38
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
460,000	230,000	230,000	0.00	670.83	766.67	1108.60	1173.00	1239.70	1308.70	1380.00	1453.60	1529.50	1607.70	1688.20	1768.70	1851.50	1934.30	2019.40
PITI		50%Dwn				2546.10	2610.50	2677.20	2746.20	2817.50	2891.10	2967.00	3045.20	3125.70	3206.20	3289.00	3371.80	3456.90
28%						9093.21	9323.21	9561.43	9807.86	10062.50	10325.36	10596.43	10875.71	11163.21	11450.71	11746.43	12042.14	12346.07
YrIncome						109,119	111,879	114,737	117,694	120,750	123,904	127,157	130,509	133,959	137,409	140,957	144,506	148,153
36%