Computations based on a sale price of				$  60,000
						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
60,000	3,000	57,000	37.05	87.50	100.00	274.74	290.70	307.23	324.33	342.00	360.24	379.05	398.43	418.38	438.33	458.85	479.37	500.46
PITI		5% Dwn				499.29	515.25	531.78	548.88	566.55	584.79	603.60	622.98	642.93	662.88	683.40	703.92	725.01
28%						1783.18	1840.18	1899.21	1960.29	2023.39	2088.54	2155.71	2224.93	2296.18	2367.43	2440.71	2514.00	2589.32
YrIncome						21,398	22,082	22,791	23,523	24,281	25,062	25,869	26,699	27,554	28,409	29,289	30,168	31,072
36%						641.94	662.46	683.72	705.70	728.42	751.87	776.06	800.97	826.62	852.27	878.66	905.04	932.16
MaxDebt/Mth						142.65	147.21	151.94	156.82	161.87	167.08	172.46	177.99	183.69	189.39	195.26	201.12	207.15
	Remember	Est. Closing Costs>>>>		4,200
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
60,000	6,000	54,000	23.40	87.50	100.00	260.28	275.40	291.06	307.26	324.00	341.28	359.10	377.46	396.36	415.26	434.70	454.14	474.12
PITI		10%Dwn				471.18	486.30	501.96	518.16	534.90	552.18	570.00	588.36	607.26	626.16	645.60	665.04	685.02
28%						1682.79	1736.79	1792.71	1850.57	1910.36	1972.07	2035.71	2101.29	2168.79	2236.29	2305.71	2375.14	2446.50
YrIncome						20,193	20,841	21,513	22,207	22,924	23,665	24,429	25,215	26,025	26,835	27,669	28,502	29,358
36%						605.80	625.24	645.38	666.21	687.73	709.95	732.86	756.46	780.76	805.06	830.06	855.05	880.74
MaxDebt/Mth						134.62	138.94	143.42	148.05	152.83	157.77	162.86	168.10	173.50	178.90	184.46	190.01	195.72
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
60,000	9,000	51,000	13.60	87.50	100.00	245.82	260.10	274.89	290.19	306.00	322.32	339.15	356.49	374.34	392.19	410.55	428.91	447.78
PITI		15%Dwn				446.92	461.20	475.99	491.29	507.10	523.42	540.25	557.59	575.44	593.29	611.65	630.01	648.88
28%						1596.14	1647.14	1699.96	1754.61	1811.07	1869.36	1929.46	1991.39	2055.14	2118.89	2184.46	2250.04	2317.43
YrIncome						19,154	19,766	20,400	21,055	21,733	22,432	23,154	23,897	24,662	25,427	26,214	27,000	27,809
36%						574.61	592.97	611.99	631.66	651.99	672.97	694.61	716.90	739.85	762.80	786.41	810.01	834.27
MaxDebt/Mth						127.69	131.77	136.00	140.37	144.89	149.55	154.36	159.31	164.41	169.51	174.76	180.00	185.39
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
60,000	12,000	48,000	0.00	87.50	100.00	231.36	244.80	258.72	273.12	288.00	303.36	319.20	335.52	352.32	369.12	386.40	403.68	421.44
PITI		20%Dwn				418.86	432.30	446.22	460.62	475.50	490.86	506.70	523.02	539.82	556.62	573.90	591.18	608.94
28%						1495.93	1543.93	1593.64	1645.07	1698.21	1753.07	1809.64	1867.93	1927.93	1987.93	2049.64	2111.36	2174.79
YrIncome						17,951	18,527	19,124	19,741	20,379	21,037	21,716	22,415	23,135	23,855	24,596	25,336	26,097
36%						538.53	555.81	573.71	592.23	611.36	631.11	651.47	672.45	694.05	715.65	737.87	760.09	782.92
MaxDebt/Mth						119.67	123.51	127.49	131.61	135.86	140.25	144.77	149.43	154.23	159.03	163.97	168.91	173.98
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
60,000	15,000	45,000	0.00	87.50	100.00	216.90	229.50	242.55	256.05	270.00	284.40	299.25	314.55	330.30	346.05	362.25	378.45	395.10
PITI		25%Dwn				404.40	417.00	430.05	443.55	457.50	471.90	486.75	502.05	517.80	533.55	549.75	565.95	582.60
28%						1444.29	1489.29	1535.89	1584.11	1633.93	1685.36	1738.39	1793.04	1849.29	1905.54	1963.39	2021.25	2080.71
YrIncome						17,331	17,871	18,431	19,009	19,607	20,224	20,861	21,516	22,191	22,866	23,561	24,255	24,969
36%						519.94	536.14	552.92	570.28	588.21	606.73	625.82	645.49	665.74	685.99	706.82	727.65	749.06
MaxDebt/Mth						115.54	119.14	122.87	126.73	130.71	134.83	139.07	143.44	147.94	152.44	157.07	161.70	166.46
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
60,000	18,000	42,000	0.00	87.50	100.00	202.44	214.20	226.38	238.98	252.00	265.44	279.30	293.58	308.28	322.98	338.10	353.22	368.76
PITI		30%Dwn				389.94	401.70	413.88	426.48	439.50	452.94	466.80	481.08	495.78	510.48	525.60	540.72	556.26
28%						1392.64	1434.64	1478.14	1523.14	1569.64	1617.64	1667.14	1718.14	1770.64	1823.14	1877.14	1931.14	1986.64
YrIncome						16,712	17,216	17,738	18,278	18,836	19,412	20,006	20,618	21,248	21,878	22,526	23,174	23,840
36%						501.35	516.47	532.13	548.33	565.07	582.35	600.17	618.53	637.43	656.33	675.77	695.21	715.19
MaxDebt/Mth						111.41	114.77	118.25	121.85	125.57	129.41	133.37	137.45	141.65	145.85	150.17	154.49	158.93
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
60,000	21,000	39,000	0.00	87.50	100.00	187.98	198.90	210.21	221.91	234.00	246.48	259.35	272.61	286.26	299.91	313.95	327.99	342.42
PITI		35%Dwn				375.48	386.40	397.71	409.41	421.50	433.98	446.85	460.11	473.76	487.41	501.45	515.49	529.92
28%						1341.00	1380.00	1420.39	1462.18	1505.36	1549.93	1595.89	1643.25	1692.00	1740.75	1790.89	1841.04	1892.57
YrIncome						16,092	16,560	17,045	17,546	18,064	18,599	19,151	19,719	20,304	20,889	21,491	22,092	22,711
36%						482.76	496.80	511.34	526.38	541.93	557.97	574.52	591.57	609.12	626.67	644.72	662.77	681.33
MaxDebt/Mth						107.28	110.40	113.63	116.97	120.43	123.99	127.67	131.46	135.36	139.26	143.27	147.28	151.41
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
60,000	24,000	36,000	0.00	87.50	100.00	173.52	183.60	194.04	204.84	216.00	227.52	239.40	251.64	264.24	276.84	289.80	302.76	316.08
PITI		40%Dwn				361.02	371.10	381.54	392.34	403.50	415.02	426.90	439.14	451.74	464.34	477.30	490.26	503.58
28%						1289.36	1325.36	1362.64	1401.21	1441.07	1482.21	1524.64	1568.36	1613.36	1658.36	1704.64	1750.93	1798.50
YrIncome						15,472	15,904	16,352	16,815	17,293	17,787	18,296	18,820	19,360	19,900	20,456	21,011	21,582
36%						464.17	477.13	490.55	504.44	518.79	533.60	548.87	564.61	580.81	597.01	613.67	630.33	647.46
MaxDebt/Mth						103.15	106.03	109.01	112.10	115.29	118.58	121.97	125.47	129.07	132.67	136.37	140.07	143.88
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
60,000	27,000	33,000	0.00	87.50	100.00	159.06	168.30	177.87	187.77	198.00	208.56	219.45	230.67	242.22	253.77	265.65	277.53	289.74
PITI		45%Dwn				346.56	355.80	365.37	375.27	385.50	396.06	406.95	418.17	429.72	441.27	453.15	465.03	477.24
28%						1237.71	1270.71	1304.89	1340.25	1376.79	1414.50	1453.39	1493.46	1534.71	1575.96	1618.39	1660.82	1704.43
YrIncome						14,853	15,249	15,659	16,083	16,521	16,974	17,441	17,922	18,417	18,912	19,421	19,930	20,453
36%						445.58	457.46	469.76	482.49	495.64	509.22	523.22	537.65	552.50	567.35	582.62	597.90	613.59
MaxDebt/Mth						99.02	101.66	104.39	107.22	110.14	113.16	116.27	119.48	122.78	126.08	129.47	132.87	136.35
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
60,000	30,000	30,000	0.00	87.50	100.00	144.60	153.00	161.70	170.70	180.00	189.60	199.50	209.70	220.20	230.70	241.50	252.30	263.40
PITI		50%Dwn				332.10	340.50	349.20	358.20	367.50	377.10	387.00	397.20	407.70	418.20	429.00	439.80	450.90
28%						1186.07	1216.07	1247.14	1279.29	1312.50	1346.79	1382.14	1418.57	1456.07	1493.57	1532.14	1570.71	1610.36
YrIncome						14,233	14,593	14,966	15,351	15,750	16,161	16,586	17,023	17,473	17,923	18,386	18,849	19,324
36%						426.99	437.79	448.97	460.54	472.50	484.84	497.57	510.69	524.19	537.69	551.57	565.46	579.73