Computations based on a sale price of				$  80,000
						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
80,000	4,000	76,000	49.40	116.67	133.33	366.32	387.60	409.64	432.44	456.00	480.32	505.40	531.24	557.84	584.44	611.80	639.16	667.28
PITI		5% Dwn				665.72	687.00	709.04	731.84	755.40	779.72	804.80	830.64	857.24	883.84	911.20	938.56	966.68
28%						2377.57	2453.57	2532.29	2613.71	2697.86	2784.71	2874.29	2966.57	3061.57	3156.57	3254.29	3352.00	3452.43
YrIncome						28,531	29,443	30,387	31,365	32,374	33,417	34,491	35,599	36,739	37,879	39,051	40,224	41,429
36%						855.93	883.29	911.62	940.94	971.23	1002.50	1034.74	1067.97	1102.17	1136.37	1171.54	1206.72	1242.87
MaxDebt/Mth						190.21	196.29	202.58	209.10	215.83	222.78	229.94	237.33	244.93	252.53	260.34	268.16	276.19
	Remember	Est. Closing Costs>>>>		5,600
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
80,000	8,000	72,000	31.20	116.67	133.33	347.04	367.20	388.08	409.68	432.00	455.04	478.80	503.28	528.48	553.68	579.60	605.52	632.16
PITI		10%Dwn				628.24	648.40	669.28	690.88	713.20	736.24	760.00	784.48	809.68	834.88	860.80	886.72	913.36
28%						2243.71	2315.71	2390.29	2467.43	2547.14	2629.43	2714.29	2801.71	2891.71	2981.71	3074.29	3166.86	3262.00
YrIncome						26,925	27,789	28,683	29,609	30,566	31,553	32,571	33,621	34,701	35,781	36,891	38,002	39,144
36%						807.74	833.66	860.50	888.27	916.97	946.59	977.14	1008.62	1041.02	1073.42	1106.74	1140.07	1174.32
MaxDebt/Mth						179.50	185.26	191.22	197.39	203.77	210.35	217.14	224.14	231.34	238.54	245.94	253.35	260.96
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
80,000	12,000	68,000	18.13	116.67	133.33	327.76	346.80	366.52	386.92	408.00	429.76	452.20	475.32	499.12	522.92	547.40	571.88	597.04
PITI		15%Dwn				595.89	614.93	634.65	655.05	676.13	697.89	720.33	743.45	767.25	791.05	815.53	840.01	865.17
28%						2128.19	2196.19	2266.62	2339.48	2414.76	2492.48	2572.62	2655.19	2740.19	2825.19	2912.62	3000.05	3089.90
YrIncome						25,538	26,354	27,199	28,074	28,977	29,910	30,871	31,862	32,882	33,902	34,951	36,001	37,079
36%						766.15	790.63	815.98	842.21	869.31	897.29	926.14	955.87	986.47	1017.07	1048.54	1080.02	1112.37
MaxDebt/Mth						170.26	175.70	181.33	187.16	193.18	199.40	205.81	212.42	219.22	226.02	233.01	240.00	247.19
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
80,000	16,000	64,000	0.00	116.67	133.33	308.48	326.40	344.96	364.16	384.00	404.48	425.60	447.36	469.76	492.16	515.20	538.24	561.92
PITI		20%Dwn				558.48	576.40	594.96	614.16	634.00	654.48	675.60	697.36	719.76	742.16	765.20	788.24	811.92
28%						1994.57	2058.57	2124.86	2193.43	2264.29	2337.43	2412.86	2490.57	2570.57	2650.57	2732.86	2815.14	2899.71
YrIncome						23,935	24,703	25,498	26,321	27,171	28,049	28,954	29,887	30,847	31,807	32,794	33,782	34,797
36%						718.05	741.09	764.95	789.63	815.14	841.47	868.63	896.61	925.41	954.21	983.83	1013.45	1043.90
MaxDebt/Mth						159.57	164.69	169.99	175.47	181.14	186.99	193.03	199.25	205.65	212.05	218.63	225.21	231.98
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
80,000	20,000	60,000	0.00	116.67	133.33	289.20	306.00	323.40	341.40	360.00	379.20	399.00	419.40	440.40	461.40	483.00	504.60	526.80
PITI		25%Dwn				539.20	556.00	573.40	591.40	610.00	629.20	649.00	669.40	690.40	711.40	733.00	754.60	776.80
28%						1925.71	1985.71	2047.86	2112.14	2178.57	2247.14	2317.86	2390.71	2465.71	2540.71	2617.86	2695.00	2774.29
YrIncome						23,109	23,829	24,574	25,346	26,143	26,966	27,814	28,689	29,589	30,489	31,414	32,340	33,291
36%						693.26	714.86	737.23	760.37	784.29	808.97	834.43	860.66	887.66	914.66	942.43	970.20	998.74
MaxDebt/Mth						154.06	158.86	163.83	168.97	174.29	179.77	185.43	191.26	197.26	203.26	209.43	215.60	221.94
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
80,000	24,000	56,000	0.00	116.67	133.33	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		30%Dwn				519.92	535.60	551.84	568.64	586.00	603.92	622.40	641.44	661.04	680.64	700.80	720.96	741.68
28%						1856.86	1912.86	1970.86	2030.86	2092.86	2156.86	2222.86	2290.86	2360.86	2430.86	2502.86	2574.86	2648.86
YrIncome						22,282	22,954	23,650	24,370	25,114	25,882	26,674	27,490	28,330	29,170	30,034	30,898	31,786
36%						668.47	688.63	709.51	731.11	753.43	776.47	800.23	824.71	849.91	875.11	901.03	926.95	953.59
MaxDebt/Mth						148.55	153.03	157.67	162.47	167.43	172.55	177.83	183.27	188.87	194.47	200.23	205.99	211.91
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
80,000	28,000	52,000	0.00	116.67	133.33	250.64	265.20	280.28	295.88	312.00	328.64	345.80	363.48	381.68	399.88	418.60	437.32	456.56
PITI		35%Dwn				500.64	515.20	530.28	545.88	562.00	578.64	595.80	613.48	631.68	649.88	668.60	687.32	706.56
28%						1788.00	1840.00	1893.86	1949.57	2007.14	2066.57	2127.86	2191.00	2256.00	2321.00	2387.86	2454.71	2523.43
YrIncome						21,456	22,080	22,726	23,395	24,086	24,799	25,534	26,292	27,072	27,852	28,654	29,457	30,281
36%						643.68	662.40	681.79	701.85	722.57	743.97	766.03	788.76	812.16	835.56	859.63	883.70	908.43
MaxDebt/Mth						143.04	147.20	151.51	155.97	160.57	165.33	170.23	175.28	180.48	185.68	191.03	196.38	201.87
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
80,000	32,000	48,000	0.00	116.67	133.33	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		40%Dwn				481.36	494.80	508.72	523.12	538.00	553.36	569.20	585.52	602.32	619.12	636.40	653.68	671.44
28%						1719.14	1767.14	1816.86	1868.29	1921.43	1976.29	2032.86	2091.14	2151.14	2211.14	2272.86	2334.57	2398.00
YrIncome						20,630	21,206	21,802	22,419	23,057	23,715	24,394	25,094	25,814	26,534	27,274	28,015	28,776
36%						618.89	636.17	654.07	672.58	691.71	711.46	731.83	752.81	774.41	796.01	818.23	840.45	863.28
MaxDebt/Mth						137.53	141.37	145.35	149.46	153.71	158.10	162.63	167.29	172.09	176.89	181.83	186.77	191.84
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
80,000	36,000	44,000	0.00	116.67	133.33	212.08	224.40	237.16	250.36	264.00	278.08	292.60	307.56	322.96	338.36	354.20	370.04	386.32
PITI		45%Dwn				462.08	474.40	487.16	500.36	514.00	528.08	542.60	557.56	572.96	588.36	604.20	620.04	636.32
28%						1650.29	1694.29	1739.86	1787.00	1835.71	1886.00	1937.86	1991.29	2046.29	2101.29	2157.86	2214.43	2272.57
YrIncome						19,803	20,331	20,878	21,444	22,029	22,632	23,254	23,895	24,555	25,215	25,894	26,573	27,271
36%						594.10	609.94	626.35	643.32	660.86	678.96	697.63	716.86	736.66	756.46	776.83	797.19	818.13
MaxDebt/Mth						132.02	135.54	139.19	142.96	146.86	150.88	155.03	159.30	163.70	168.10	172.63	177.15	181.81
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
80,000	40,000	40,000	0.00	116.67	133.33	192.80	204.00	215.60	227.60	240.00	252.80	266.00	279.60	293.60	307.60	322.00	336.40	351.20
PITI		50%Dwn				442.80	454.00	465.60	477.60	490.00	502.80	516.00	529.60	543.60	557.60	572.00	586.40	601.20
28%						1581.43	1621.43	1662.86	1705.71	1750.00	1795.71	1842.86	1891.43	1941.43	1991.43	2042.86	2094.29	2147.14
YrIncome						18,977	19,457	19,954	20,469	21,000	21,549	22,114	22,697	23,297	23,897	24,514	25,131	25,766
36%						569.31	583.71	598.63	614.06	630.00