Computations based on a sale price of				$  70,000
						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
70,000	3,500	66,500	43.23	102.08	116.67	320.53	339.15	358.44	378.39	399.00	420.28	442.23	464.84	488.11	511.39	535.33	559.27	583.87
PITI		5% Dwn				582.51	601.13	620.41	640.36	660.98	682.26	704.20	726.81	750.09	773.36	797.30	821.24	845.85
28%						2080.38	2146.88	2215.75	2287.00	2360.63	2436.63	2515.00	2595.75	2678.88	2762.00	2847.50	2933.00	3020.88
YrIncome						24,965	25,763	26,589	27,444	28,328	29,240	30,180	31,149	32,147	33,144	34,170	35,196	36,251
36%						748.94	772.88	797.67	823.32	849.83	877.19	905.40	934.47	964.40	994.32	1025.10	1055.88	1087.52
MaxDebt/Mth						166.43	171.75	177.26	182.96	188.85	194.93	201.20	207.66	214.31	220.96	227.80	234.64	241.67
	Remember	Est. Closing Costs>>>>		4,900
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
70,000	7,000	63,000	27.30	102.08	116.67	303.66	321.30	339.57	358.47	378.00	398.16	418.95	440.37	462.42	484.47	507.15	529.83	553.14
PITI		10%Dwn				549.71	567.35	585.62	604.52	624.05	644.21	665.00	686.42	708.47	730.52	753.20	775.88	799.19
28%						1963.25	2026.25	2091.50	2159.00	2228.75	2300.75	2375.00	2451.50	2530.25	2609.00	2690.00	2771.00	2854.25
YrIncome						23,559	24,315	25,098	25,908	26,745	27,609	28,500	29,418	30,363	31,308	32,280	33,252	34,251
36%						706.77	729.45	752.94	777.24	802.35	828.27	855.00	882.54	910.89	939.24	968.40	997.56	1027.53
MaxDebt/Mth						157.06	162.10	167.32	172.72	178.30	184.06	190.00	196.12	202.42	208.72	215.20	221.68	228.34
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
70,000	10,500	59,500	15.87	102.08	116.67	286.79	303.45	320.71	338.56	357.00	376.04	395.68	415.91	436.73	457.56	478.98	500.40	522.41
PITI		15%Dwn				521.41	538.07	555.32	573.17	591.62	610.66	630.29	650.52	671.35	692.17	713.59	735.01	757.03
28%						1862.17	1921.67	1983.29	2047.04	2112.92	2180.92	2251.04	2323.29	2397.67	2472.04	2548.54	2625.04	2703.67
YrIncome						22,346	23,060	23,800	24,565	25,355	26,171	27,013	27,880	28,772	29,665	30,583	31,501	32,444
36%						670.38	691.80	713.99	736.94	760.65	785.13	810.38	836.39	863.16	889.94	917.48	945.02	973.32
MaxDebt/Mth						148.97	153.73	158.66	163.76	169.03	174.47	180.08	185.86	191.81	197.76	203.88	210.00	216.29
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
70,000	14,000	56,000	0.00	102.08	116.67	269.92	285.60	301.84	318.64	336.00	353.92	372.40	391.44	411.04	430.64	450.80	470.96	491.68
PITI		20%Dwn				488.67	504.35	520.59	537.39	554.75	572.67	591.15	610.19	629.79	649.39	669.55	689.71	710.43
28%						1745.25	1801.25	1859.25	1919.25	1981.25	2045.25	2111.25	2179.25	2249.25	2319.25	2391.25	2463.25	2537.25
YrIncome						20,943	21,615	22,311	23,031	23,775	24,543	25,335	26,151	26,991	27,831	28,695	29,559	30,447
36%						628.29	648.45	669.33	690.93	713.25	736.29	760.05	784.53	809.73	834.93	860.85	886.77	913.41
MaxDebt/Mth						139.62	144.10	148.74	153.54	158.50	163.62	168.90	174.34	179.94	185.54	191.30	197.06	202.98
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
70,000	17,500	52,500	0.00	102.08	116.67	253.05	267.75	282.98	298.73	315.00	331.80	349.13	366.98	385.35	403.73	422.63	441.53	460.95
PITI		25%Dwn				471.80	486.50	501.73	517.48	533.75	550.55	567.88	585.73	604.10	622.48	641.38	660.28	679.70
28%						1685.00	1737.50	1791.88	1848.13	1906.25	1966.25	2028.13	2091.88	2157.50	2223.13	2290.63	2358.13	2427.50
YrIncome						20,220	20,850	21,503	22,178	22,875	23,595	24,338	25,103	25,890	26,678	27,488	28,298	29,130
36%						606.60	625.50	645.08	665.33	686.25	707.85	730.13	753.08	776.70	800.33	824.63	848.93	873.90
MaxDebt/Mth						134.80	139.00	143.35	147.85	152.50	157.30	162.25	167.35	172.60	177.85	183.25	188.65	194.20
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
70,000	21,000	49,000	0.00	102.08	116.67	236.18	249.90	264.11	278.81	294.00	309.68	325.85	342.51	359.66	376.81	394.45	412.09	430.22
PITI		30%Dwn				454.93	468.65	482.86	497.56	512.75	528.43	544.60	561.26	578.41	595.56	613.20	630.84	648.97
28%						1624.75	1673.75	1724.50	1777.00	1831.25	1887.25	1945.00	2004.50	2065.75	2127.00	2190.00	2253.00	2317.75
YrIncome						19,497	20,085	20,694	21,324	21,975	22,647	23,340	24,054	24,789	25,524	26,280	27,036	27,813
36%						584.91	602.55	620.82	639.72	659.25	679.41	700.20	721.62	743.67	765.72	788.40	811.08	834.39
MaxDebt/Mth						129.98	133.90	137.96	142.16	146.50	150.98	155.60	160.36	165.26	170.16	175.20	180.24	185.42
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
70,000	24,500	45,500	0.00	102.08	116.67	219.31	232.05	245.25	258.90	273.00	287.56	302.58	318.05	333.97	349.90	366.28	382.66	399.49
PITI		35%Dwn				438.06	450.80	464.00	477.65	491.75	506.31	521.33	536.80	552.72	568.65	585.03	601.41	618.24
28%						1564.50	1610.00	1657.13	1705.88	1756.25	1808.25	1861.88	1917.13	1974.00	2030.88	2089.38	2147.88	2208.00
YrIncome						18,774	19,320	19,886	20,471	21,075	21,699	22,343	23,006	23,688	24,371	25,073	25,775	26,496
36%						563.22	579.60	596.57	614.12	632.25	650.97	670.28	690.17	710.64	731.12	752.18	773.24	794.88
MaxDebt/Mth						125.16	128.80	132.57	136.47	140.50	144.66	148.95	153.37	157.92	162.47	167.15	171.83	176.64
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
70,000	28,000	42,000	0.00	102.08	116.67	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		40%Dwn				421.19	432.95	445.13	457.73	470.75	484.19	498.05	512.33	527.03	541.73	556.85	571.97	587.51
28%						1504.25	1546.25	1589.75	1634.75	1681.25	1729.25	1778.75	1829.75	1882.25	1934.75	1988.75	2042.75	2098.25
YrIncome						18,051	18,555	19,077	19,617	20,175	20,751	21,345	21,957	22,587	23,217	23,865	24,513	25,179
36%						541.53	556.65	572.31	588.51	605.25	622.53	640.35	658.71	677.61	696.51	715.95	735.39	755.37
MaxDebt/Mth						120.34	123.70	127.18	130.78	134.50	138.34	142.30	146.38	150.58	154.78	159.10	163.42	167.86
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
70,000	31,500	38,500	0.00	102.08	116.67	185.57	196.35	207.52	219.07	231.00	243.32	256.03	269.12	282.59	296.07	309.93	323.79	338.03
PITI		45%Dwn				404.32	415.10	426.27	437.82	449.75	462.07	474.78	487.87	501.34	514.82	528.68	542.54	556.78
28%						1444.00	1482.50	1522.38	1563.63	1606.25	1650.25	1695.63	1742.38	1790.50	1838.63	1888.13	1937.63	1988.50
YrIncome						17,328	17,790	18,269	18,764	19,275	19,803	20,348	20,909	21,486	22,064	22,658	23,252	23,862
36%						519.84	533.70	548.06	562.91	578.25	594.09	610.43	627.26	644.58	661.91	679.73	697.55	715.86
MaxDebt/Mth						115.52	118.60	121.79	125.09	128.50	132.02	135.65	139.39	143.24	147.09	151.05	155.01	159.08
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
70,000	35,000	35,000	0.00	102.08	116.67	168.70	178.50	188.65	199.15	210.00	221.20	232.75	244.65	256.90	269.15	281.75	294.35	307.30
PITI		50%Dwn				387.45	397.25	407.40	417.90	428.75	439.95	451.50	463.40	475.65	487.90	500.50	513.10	526.05
28%						1383.75	1418.75	1455.00	1492.50	1531.25	1571.25	1612.50	1655.00	1698.75	1742.50	1787.50	1832.50	1878.75
YrIncome						16,605	17,025	17,460	17,910	18,375	18,855	19,350	19,860	20,385	20,910	21,450	21,990	22,545
36%						498.15	510.75	523.80	537.30	551.25	565.65	580.50	595.80	611.55	627.30	643.50	659.70	676.35
MaxDebt/Mth						110.70	113.50	116.40	119.40	122.50	125.70	129.00	132.40	135.90	139.40	143.00	146.60	150.30