Computations based on a sale price of				$490,000
						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
490,000	24,500	465,500	302.58	714.58	816.67	2243.71	2374.05	2509.05	2648.70	2793.00	2941.96	3095.58	3253.85	3416.77	3579.70	3747.28	3914.86	4087.09
PITI		5% Dwn				4077.54	4207.88	4342.87	4482.52	4626.83	4775.79	4929.40	5087.67	5250.60	5413.52	5581.10	5748.68	5920.92
28%						14562.63	15028.13	15510.25	16009.00	16524.38	17056.38	17605.00	18170.25	18752.13	19334.00	19932.50	20531.00	21146.13
YrIncome						174,752	180,338	186,123	192,108	198,293	204,677	211,260	218,043	225,026	232,008	239,190	246,372	253,754
36%						5242.55	5410.13	5583.69	5763.24	5948.78	6140.30	6337.80	6541.29	6750.77	6960.24	7175.70	7391.16	7612.61
MaxDebt/Mth						1165.01	1202.25	1240.82	1280.72	1321.95	1364.51	1408.40	1453.62	1500.17	1546.72	1594.60	1642.48	1691.69
	Remember	Est. Closing Costs>>>>		29,400
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
490,000	49,000	441,000	191.10	714.58	816.67	2125.62	2249.10	2376.99	2509.29	2646.00	2787.12	2932.65	3082.59	3236.94	3391.29	3550.05	3708.81	3871.98
PITI		10%Dwn				3847.97	3971.45	4099.34	4231.64	4368.35	4509.47	4655.00	4804.94	4959.29	5113.64	5272.40	5431.16	5594.33
28%						13742.75	14183.75	14640.50	15113.00	15601.25	16105.25	16625.00	17160.50	17711.75	18263.00	18830.00	19397.00	19979.75
YrIncome						164,913	170,205	175,686	181,356	187,215	193,263	199,500	205,926	212,541	219,156	225,960	232,764	239,757
36%						4947.39	5106.15	5270.58	5440.68	5616.45	5797.89	5985.00	6177.78	6376.23	6574.68	6778.80	6982.92	7192.71
MaxDebt/Mth						1099.42	1134.70	1171.24	1209.04	1248.10	1288.42	1330.00	1372.84	1416.94	1461.04	1506.40	1551.76	1598.38
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
490,000	73,500	416,500	111.07	714.58	816.67	2007.53	2124.15	2244.94	2369.89	2499.00	2632.28	2769.73	2911.34	3057.11	3202.89	3352.83	3502.77	3656.87
PITI		15%Dwn				3649.85	3766.47	3887.25	4012.20	4141.32	4274.60	4412.04	4553.65	4699.43	4845.20	4995.14	5145.08	5299.19
28%						13035.17	13451.67	13883.04	14329.29	14790.42	15266.42	15757.29	16263.04	16783.67	17304.29	17839.79	18375.29	18925.67
YrIncome						156,422	161,420	166,597	171,952	177,485	183,197	189,088	195,157	201,404	207,652	214,078	220,504	227,108
36%						4692.66	4842.60	4997.90	5158.55	5324.55	5495.91	5672.63	5854.70	6042.12	6229.55	6422.33	6615.11	6813.24
MaxDebt/Mth						1042.81	1076.13	1110.64	1146.34	1183.23	1221.31	1260.58	1301.04	1342.69	1384.34	1427.18	1470.02	1514.05
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
490,000	98,000	392,000	0.00	714.58	816.67	1889.44	1999.20	2112.88	2230.48	2352.00	2477.44	2606.80	2740.08	2877.28	3014.48	3155.60	3296.72	3441.76
PITI		20%Dwn				3420.69	3530.45	3644.13	3761.73	3883.25	4008.69	4138.05	4271.33	4408.53	4545.73	4686.85	4827.97	4973.01
28%						12216.75	12608.75	13014.75	13434.75	13868.75	14316.75	14778.75	15254.75	15744.75	16234.75	16738.75	17242.75	17760.75
YrIncome						146,601	151,305	156,177	161,217	166,425	171,801	177,345	183,057	188,937	194,817	200,865	206,913	213,129
36%						4398.03	4539.15	4685.31	4836.51	4992.75	5154.03	5320.35	5491.71	5668.11	5844.51	6025.95	6207.39	6393.87
MaxDebt/Mth						977.34	1008.70	1041.18	1074.78	1109.50	1145.34	1182.30	1220.38	1259.58	1298.78	1339.10	1379.42	1420.86
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
490,000	122,500	367,500	0.00	714.58	816.67	1771.35	1874.25	1980.83	2091.08	2205.00	2322.60	2443.88	2568.83	2697.45	2826.08	2958.38	3090.68	3226.65
PITI		25%Dwn				3302.60	3405.50	3512.08	3622.33	3736.25	3853.85	3975.13	4100.08	4228.70	4357.33	4489.63	4621.93	4757.90
28%						11795.00	12162.50	12543.13	12936.88	13343.75	13763.75	14196.88	14643.13	15102.50	15561.88	16034.38	16506.88	16992.50
YrIncome						141,540	145,950	150,518	155,243	160,125	165,165	170,363	175,718	181,230	186,743	192,413	198,083	203,910
36%						4246.20	4378.50	4515.53	4657.28	4803.75	4954.95	5110.88	5271.53	5436.90	5602.28	5772.38	5942.48	6117.30
MaxDebt/Mth						943.60	973.00	1003.45	1034.95	1067.50	1101.10	1135.75	1171.45	1208.20	1244.95	1282.75	1320.55	1359.40
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
490,000	147,000	343,000	0.00	714.58	816.67	1653.26	1749.30	1848.77	1951.67	2058.00	2167.76	2280.95	2397.57	2517.62	2637.67	2761.15	2884.63	3011.54
PITI		30%Dwn				3184.51	3280.55	3380.02	3482.92	3589.25	3699.01	3812.20	3928.82	4048.87	4168.92	4292.40	4415.88	4542.79
28%						11373.25	11716.25	12071.50	12439.00	12818.75	13210.75	13615.00	14031.50	14460.25	14889.00	15330.00	15771.00	16224.25
YrIncome						136,479	140,595	144,858	149,268	153,825	158,529	163,380	168,378	173,523	178,668	183,960	189,252	194,691
36%						4094.37	4217.85	4345.74	4478.04	4614.75	4755.87	4901.40	5051.34	5205.69	5360.04	5518.80	5677.56	5840.73
MaxDebt/Mth						909.86	937.30	965.72	995.12	1025.50	1056.86	1089.20	1122.52	1156.82	1191.12	1226.40	1261.68	1297.94
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
490,000	171,500	318,500	0.00	714.58	816.67	1535.17	1624.35	1716.72	1812.27	1911.00	2012.92	2118.03	2226.32	2337.79	2449.27	2563.93	2678.59	2796.43
PITI		35%Dwn				3066.42	3155.60	3247.97	3343.52	3442.25	3544.17	3649.28	3757.57	3869.04	3980.52	4095.18	4209.84	4327.68
28%						10951.50	11270.00	11599.88	11941.13	12293.75	12657.75	13033.13	13419.88	13818.00	14216.13	14625.63	15035.13	15456.00
YrIncome						131,418	135,240	139,199	143,294	147,525	151,893	156,398	161,039	165,816	170,594	175,508	180,422	185,472
36%						3942.54	4057.20	4175.96	4298.81	4425.75	4556.79	4691.93	4831.16	4974.48	5117.81	5265.23	5412.65	5564.16
MaxDebt/Mth						876.12	901.60	927.99	955.29	983.50	1012.62	1042.65	1073.59	1105.44	1137.29	1170.05	1202.81	1236.48
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
490,000	196,000	294,000	0.00	714.58	816.67	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		40%Dwn				2948.33	3030.65	3115.91	3204.11	3295.25	3389.33	3486.35	3586.31	3689.21	3792.11	3897.95	4003.79	4112.57
28%						10529.75	10823.75	11128.25	11443.25	11768.75	12104.75	12451.25	12808.25	13175.75	13543.25	13921.25	14299.25	14687.75
YrIncome						126,357	129,885	133,539	137,319	141,225	145,257	149,415	153,699	158,109	162,519	167,055	171,591	176,253
36%						3790.71	3896.55	4006.17	4119.57	4236.75	4357.71	4482.45	4610.97	4743.27	4875.57	5011.65	5147.73	5287.59
MaxDebt/Mth						842.38	865.90	890.26	915.46	941.50	968.38	996.10	1024.66	1054.06	1083.46	1113.70	1143.94	1175.02
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
490,000	220,500	269,500	0.00	714.58	816.67	1298.99	1374.45	1452.61	1533.46	1617.00	1703.24	1792.18	1883.81	1978.13	2072.46	2169.48	2266.50	2366.21
PITI		45%Dwn				2830.24	2905.70	2983.86	3064.71	3148.25	3234.49	3323.43	3415.06	3509.38	3603.71	3700.73	3797.75	3897.46
28%						10108.00	10377.50	10656.63	10945.38	11243.75	11551.75	11869.38	12196.63	12533.50	12870.38	13216.88	13563.38	13919.50
YrIncome						121,296	124,530	127,880	131,345	134,925	138,621	142,433	146,360	150,402	154,445	158,603	162,761	167,034
36%						3638.88	3735.90	3836.39	3940.34	4047.75	4158.63	4272.98	4390.79	4512.06	4633.34	4758.08	4882.82	5011.02
MaxDebt/Mth						808.64	830.20	852.53	875.63	899.50	924.14	949.55	975.73	1002.68	1029.63	1057.35	1085.07	1113.56
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
490,000	245,000	245,000	0.00	714.58	816.67	1180.90	1249.50	1320.55	1394.05	1470.00	1548.40	1629.25	1712.55	1798.30	1884.05	1972.25	2060.45	2151.10
PITI		50%Dwn				2712.15	2780.75	2851.80	2925.30	3001.25	3079.65	3160.50	3243.80	3329.55	3415.30	3503.50	3591.70	3682.35
28%						9686.25	9931.25	10185.00	10447.50	10718.75	10998.75	11287.50	11585.00	11891.25	12197.50	12512.50	12827.50	13151.25
YrIncome						116,235	119,175	122,220	125,370	128,625	131,985	135,450	139,020	142,695	146,370	150,150	153,930	157,815
36%						3487.05	3575.25	3666.60	3761.10	3858.75	3959.55	4063.50	4170.60	4280.85	4391.10	4504.50	4617.90	4734.45
MaxDebt/Mth						774.90	794.50	814.80	835.80	857.50	879.90	903.00	926.80	951.30	975.80	1001.00	1026.20	1052.10