Computations based on a sale price of				$470,000
						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
470,000	23,500	446,500	290.23	685.42	783.33	2152.13	2277.15	2406.64	2540.59	2679.00	2821.88	2969.23	3121.04	3277.31	3433.59	3594.33	3755.07	3920.27
PITI		5% Dwn				3911.11	4036.13	4165.61	4299.56	4437.98	4580.86	4728.20	4880.01	5036.29	5192.56	5353.30	5514.04	5679.25
28%						13968.23	14414.73	14877.18	15355.57	15849.91	16360.20	16886.43	17428.61	17986.73	18544.86	19118.93	19693.00	20283.02
YrIncome						167,619	172,977	178,526	184,267	190,199	196,322	202,637	209,143	215,841	222,538	229,427	236,316	243,396
36%						5028.56	5189.30	5355.78	5528.01	5705.97	5889.67	6079.11	6274.30	6475.22	6676.15	6882.81	7089.48	7301.89
MaxDebt/Mth						1117.46	1153.18	1190.17	1228.45	1267.99	1308.82	1350.91	1394.29	1438.94	1483.59	1529.51	1575.44	1622.64
	Remember	Est. Closing Costs>>>>		28,200
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
470,000	47,000	423,000	183.30	685.42	783.33	2038.86	2157.30	2279.97	2406.87	2538.00	2673.36	2812.95	2956.77	3104.82	3252.87	3405.15	3557.43	3713.94
PITI		10%Dwn				3690.91	3809.35	3932.02	4058.92	4190.05	4325.41	4465.00	4608.82	4756.87	4904.92	5057.20	5209.48	5365.99
28%						13181.82	13604.82	14042.93	14496.14	14964.46	15447.89	15946.43	16460.07	16988.82	17517.57	18061.43	18605.29	19164.25
YrIncome						158,182	163,258	168,515	173,954	179,574	185,375	191,357	197,521	203,866	210,211	216,737	223,263	229,971
36%						4745.46	4897.74	5055.45	5218.61	5387.21	5561.24	5740.71	5925.63	6115.98	6306.33	6502.11	6697.90	6899.13
MaxDebt/Mth						1054.55	1088.39	1123.43	1159.69	1197.16	1235.83	1275.71	1316.81	1359.11	1401.41	1444.91	1488.42	1533.14
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
470,000	70,500	399,500	106.53	685.42	783.33	1925.59	2037.45	2153.31	2273.16	2397.00	2524.84	2656.68	2792.51	2932.33	3072.16	3215.98	3359.80	3507.61
PITI		15%Dwn				3500.87	3612.73	3728.59	3848.44	3972.28	4100.12	4231.96	4367.79	4507.61	4647.44	4791.26	4935.08	5082.89
28%						12503.12	12902.62	13316.39	13744.42	14186.73	14643.30	15114.14	15599.24	16098.62	16597.99	17111.64	17625.28	18153.19
YrIncome						150,037	154,831	159,797	164,933	170,241	175,720	181,370	187,191	193,183	199,176	205,340	211,503	217,838
36%						4501.12	4644.94	4793.90	4947.99	5107.22	5271.59	5441.09	5615.73	5795.50	5975.28	6160.19	6345.10	6535.15
MaxDebt/Mth						1000.25	1032.21	1065.31	1099.55	1134.94	1171.46	1209.13	1247.94	1287.89	1327.84	1368.93	1410.02	1452.26
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
470,000	94,000	376,000	0.00	685.42	783.33	1812.32	1917.60	2026.64	2139.44	2256.00	2376.32	2500.40	2628.24	2759.84	2891.44	3026.80	3162.16	3301.28
PITI		20%Dwn				3281.07	3386.35	3495.39	3608.19	3724.75	3845.07	3969.15	4096.99	4228.59	4360.19	4495.55	4630.91	4770.03
28%						11718.11	12094.11	12483.54	12886.39	13302.68	13732.39	14175.54	14632.11	15102.11	15572.11	16055.54	16538.96	17035.82
YrIncome						140,617	145,129	149,802	154,637	159,632	164,789	170,106	175,585	181,225	186,865	192,666	198,468	204,430
36%						4218.52	4353.88	4494.07	4639.10	4788.96	4943.66	5103.19	5267.56	5436.76	5605.96	5779.99	5954.03	6132.90
MaxDebt/Mth						937.45	967.53	998.68	1030.91	1064.21	1098.59	1134.04	1170.57	1208.17	1245.77	1284.44	1323.12	1362.87
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
470,000	117,500	352,500	0.00	685.42	783.33	1699.05	1797.75	1899.98	2005.73	2115.00	2227.80	2344.13	2463.98	2587.35	2710.73	2837.63	2964.53	3094.95
PITI		25%Dwn				3167.80	3266.50	3368.73	3474.48	3583.75	3696.55	3812.88	3932.73	4056.10	4179.48	4306.38	4433.28	4563.70
28%						11313.57	11666.07	12031.16	12408.84	12799.11	13201.96	13617.41	14045.45	14486.07	14926.70	15379.91	15833.13	16298.93
YrIncome						135,763	139,993	144,374	148,906	153,589	158,424	163,409	168,545	173,833	179,120	184,559	189,998	195,587
36%						4072.89	4199.79	4331.22	4467.18	4607.68	4752.71	4902.27	5056.36	5214.99	5373.61	5536.77	5699.93	5867.61
MaxDebt/Mth						905.09	933.29	962.49	992.71	1023.93	1056.16	1089.39	1123.64	1158.89	1194.14	1230.39	1266.65	1303.91
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
470,000	141,000	329,000	0.00	685.42	783.33	1585.78	1677.90	1773.31	1872.01	1974.00	2079.28	2187.85	2299.71	2414.86	2530.01	2648.45	2766.89	2888.62
PITI		30%Dwn				3054.53	3146.65	3242.06	3340.76	3442.75	3548.03	3656.60	3768.46	3883.61	3998.76	4117.20	4235.64	4357.37
28%						10909.04	11238.04	11578.79	11931.29	12295.54	12671.54	13059.29	13458.79	13870.04	14281.29	14704.29	15127.29	15562.04
YrIncome						130,908	134,856	138,945	143,175	147,546	152,058	156,711	161,505	166,440	171,375	176,451	181,527	186,744
36%						3927.25	4045.69	4168.36	4295.26	4426.39	4561.75	4701.34	4845.16	4993.21	5141.26	5293.54	5445.82	5602.33
MaxDebt/Mth						872.72	899.04	926.30	954.50	983.64	1013.72	1044.74	1076.70	1109.60	1142.50	1176.34	1210.18	1244.96
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
470,000	164,500	305,500	0.00	685.42	783.33	1472.51	1558.05	1646.65	1738.30	1833.00	1930.76	2031.58	2135.45	2242.37	2349.30	2459.28	2569.26	2682.29
PITI		35%Dwn				2941.26	3026.80	3115.40	3207.05	3301.75	3399.51	3500.33	3604.20	3711.12	3818.05	3928.03	4038.01	4151.04
28%						10504.50	10810.00	11126.41	11453.73	11791.96	12141.11	12501.16	12872.13	13254.00	13635.88	14028.66	14421.45	14825.14
YrIncome						126,054	129,720	133,517	137,445	141,504	145,693	150,014	154,466	159,048	163,631	168,344	173,057	177,902
36%						3781.62	3891.60	4005.51	4123.34	4245.11	4370.80	4500.42	4633.97	4771.44	4908.92	5050.32	5191.72	5337.05
MaxDebt/Mth						840.36	864.80	890.11	916.30	943.36	971.29	1000.09	1029.77	1060.32	1090.87	1122.29	1153.72	1186.01
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
470,000	188,000	282,000	0.00	685.42	783.33	1359.24	1438.20	1519.98	1604.58	1692.00	1782.24	1875.30	1971.18	2069.88	2168.58	2270.10	2371.62	2475.96
PITI		40%Dwn				2827.99	2906.95	2988.73	3073.33	3160.75	3250.99	3344.05	3439.93	3538.63	3637.33	3738.85	3840.37	3944.71
28%						10099.96	10381.96	10674.04	10976.18	11288.39	11610.68	11943.04	12285.46	12637.96	12990.46	13353.04	13715.61	14088.25
YrIncome						121,200	124,584	128,088	131,714	135,461	139,328	143,316	147,426	151,656	155,886	160,236	164,587	169,059
36%						3635.99	3737.51	3842.65	3951.42	4063.82	4179.84	4299.49	4422.77	4549.67	4676.57	4807.09	4937.62	5071.77
MaxDebt/Mth						808.00	830.56	853.92	878.09	903.07	928.85	955.44	982.84	1011.04	1039.24	1068.24	1097.25	1127.06
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
470,000	211,500	258,500	0.00	685.42	783.33	1245.97	1318.35	1393.32	1470.87	1551.00	1633.72	1719.03	1806.92	1897.39	1987.87	2080.93	2173.99	2269.63
PITI		45%Dwn				2714.72	2787.10	2862.07	2939.62	3019.75	3102.47	3187.78	3275.67	3366.14	3456.62	3549.68	3642.74	3738.38
28%						9695.43	9953.93	10221.66	10498.63	10784.82	11080.25	11384.91	11698.80	12021.93	12345.05	12677.41	13009.77	13351.36
YrIncome						116,345	119,447	122,660	125,984	129,418	132,963	136,619	140,386	144,263	148,141	152,129	156,117	160,216
36%						3490.35	3583.41	3679.80	3779.51	3882.54	3988.89	4098.57	4211.57	4327.89	4444.22	4563.87	4683.52	4806.49
MaxDebt/Mth						775.63	796.31	817.73	839.89	862.79	886.42	910.79	935.90	961.75	987.60	1014.19	1040.78	1068.11
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
470,000	235,000	235,000	0.00	685.42	783.33	1132.70	1198.50	1266.65	1337.15	1410.00	1485.20	1562.75	1642.65	1724.90	1807.15	1891.75	1976.35	2063.30
PITI		50%Dwn				2601.45	2667.25	2735.40	2805.90	2878.75	2953.95	3031.50	3111.40	3193.65	3275.90	3360.50	3445.10	3532.05
28%						9290.89	9525.89	9769.29	10021.07	10281.25	10549.82	10826.79	11112.14	11405.89	11699.64	12001.79	12303.93	12614.46
YrIncome						111,491	114,311