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This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the "View Report" button to see a complete amortization schedule of your mortgage payments.<P><CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="520" width="565"><param name="code" value="MortgageQualifier" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="MortgageQualifier.class" align="baseline" WIDTH="565" HEIGHT="520" archive="dinkytown.jar"><![endif]> <PARAM name="DISABLE_HOME_INSURANCE_RATE" value="false"> <PARAM name="DISABLE_PROPERTY_TAX_RATE" value="false"> <PARAM name="HOME_insurance_RATE" value="0.5"> <PARAM name="PROPERTY_TAX_RATE" value="1.00"> <PARAM name="PMI_RATE" value="0.5"> <PARAM name="ANNUAL_INCOME" value="40000"> <PARAM name="MONTHLY_CAR_PAYMENTS" value="300"> <PARAM name="CREDIT_CARD_PAYMENTS" value="100"> <PARAM name="OTHER_LOAN_PAYMENTS" value="0"> <PARAM name="DOWNPAYMENT_CLOSING_CASH" value="10000"> <PARAM name="PROPERTY_TAX_AMOUNT" value="0"> <PARAM name="LOAN_ORIGINATION_RATE" value="1.0"> <PARAM name="INTEREST_RATE" value="5.00"> <PARAM name="LENGTH_OF_LOAN" value="30"> <PARAM name="POINTS_PAID_NBR" value="0"> <PARAM name="PMI_PERCENT" value="0.20"> <PARAM name="OTHER_CLOSING_COSTS" value="800"> <PARAM name="MAXIMUM_20_DOWN" value="1"> <PARAM name="SHOW_PAYMENT_BY_MONTH" value="0"> <PARAM name="HIGH_DEBT_PITI_RATE" value="36"> <PARAM name="SHOW_PAYMENT_BY_YEAR" value="1"> <PARAM name="LOW_DEBT_PITI_RATE" value="28"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Mortgage Qualifier</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2011 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>Mortgage Qualifier</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>An annual income of ANNUAL_INCOME may qualify you for LOAN_AMOUNT loan.</H1>**GRAPH**<P>Using your input values, an annual income of ANNUAL_INCOME should enable you to carry a LENGTH_OF_LOAN-year mortgage at INTEREST_RATE in the amount of LOAN_AMOUNT. With a TOTAL_FOR_DOWNPAYMENT down payment, the total purchase price would be PURCHASE_PRICE. Total closing costs for this loan are estimated at TOTAL_CLOSING_COSTS.<P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR valign=TOP BGCOLOR='CCCCCC'><TD COLSPAN=2 WIDTH=50%> <P><B>Monthly payment TOTAL_MONTHLY_PAYMENT</B></TD><TD COLSPAN=2 WIDTH=50%> <P><B>Total closing costs TOTAL_CLOSING_COSTS</B></TD></TR> <TR><TD width=25%><b>Principal and interest</b> </TD><TD width=25% ALIGN=RIGHT>MONTHLY_PI&NBSP;&NBSP;&NBSP;&NBSP;</TD> <TD width=25%><b>Fee for points</b></TD> <TD width=25% ALIGN=RIGHT>POINTS_PAID_AMT&NBSP;&NBSP;&NBSP;&NBSP;</TD></TR> <TR><TD width=25%><b>PMI</b>&NBSP;</TD> <TD width=25% ALIGN=RIGHT>MONTHLY_PMI&NBSP;&NBSP;&NBSP;&NBSP;</TD> <TD width=25%><b>Origination fee</b></TD> <TD width=25% ALIGN=RIGHT>LOAN_ORIGINATION_AMT&NBSP;&NBSP;&NBSP;&NBSP;</TD></TR> <TR><TD width=25%><b>Taxes&NBSP;</b></TD> <TD width=25% ALIGN=RIGHT><b>MONTHLY_TAXES</b>&NBSP;&NBSP;&NBSP;&NBSP;</TD> <TD width=25%><b>Other closing costs</b></TD> <TD width=25% ALIGN=RIGHT>OTHER_CLOSING_COSTS&NBSP;&NBSP;&NBSP;&NBSP;</TD></TR> <TR><TD width=25%><b>Insurance</b>&NBSP;</TD> <TD width=25% ALIGN=RIGHT><b>MONTHLY_INSURANCE</b>&NBSP;&NBSP;&NBSP;&NBSP;</TD><TD colspan=2 WIDTH=50%>&NBSP;</TD></TR> </TABLE></TD></TR></TABLE> </CENTER> <P>To avoid PMI payments a PERCENT_20_DOWN_AMT down payment is required. This equals PMI_PERCENT of your home's purchase price. The total amount of cash required for a PMI_PERCENT down payment plus closing costs would be CLOSING_COSTS_PLUS_20. <P> <H1>Qualify Calculation</H1><P>The QLFY_AMOUNT monthly payment you could qualify for is calculated by taking the lower of these two calculations:<BR><BR> <TABLE width='100%'> <TR><TD valign=top width='5%'>1.</TD><TD valign=top width='55%'>Monthly Income X LOW_DEBT_PITI_RATE = monthly PITI</TD> <TD valign=top width='40%'>MONTHLY_INCOME X LOW_DEBT_PITI_RATE = QLFY_PITI_ONLY</TD></TR> <TR align=top><TD valign=top width='5%'>2.</TD><TD valign=top width='55%'>Monthly Income X HIGH_DEBT_PITI_RATE - Other loan payments = monthly PITI</TD> <TD valign=top width='40%'>MONTHLY_INCOME X HIGH_DEBT_PITI_RATE - TOTAL_LOAN_PAYMENTS = QLFY_PITI_DEBT</TD></TR> </TABLE> <P><DIV class=large>Payment Schedule</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java™ Plug-in. If you see this message you will need to download SUN's Java™ Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing “Install ActiveX Control”. </CENTER></H1> <OL> You can also get SUN's Java™ Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java™ Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java™ Plug-in</b></A> <BR>For more information about these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators</A> from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT> document.write(showbuttons())</SCRIPT> </CENTER> <br> </p></td> </tr> </table> </td> <td align="right" valign="top" background="../images/rr1.jpg"><img src="../images/rr1_inner.jpg" width="29" height="449"></td> </tr> </table></td> </tr> <tr> <td height="38" valign="top" background="../images/copyright.jpg"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="3%" align="right">&nbsp;</td> <td width="47%"align="left" class="copy">&copy; 2008 <span class="style2">Finance Home America, Inc.</span></td> <td width="47%" align="right"><a href="http://www.tekdynamics.com" target="_blank"><img src="../images/tekdynamics.jpg" width="199" height="12" border="0"></a></td> <td width="3%" align="right">&nbsp;</td> </tr> </table></td> </tr> </table></td> </tr> </table> <map name="Map"> <area shape="rect" coords="30,1,312,31" href="../index.html"> </map> <map name="Map2"> <area shape="rect" coords="31,30,311,45" href="../index.html"> </map> <map name="Map3"> <area shape="rect" coords="30,0,312,6" href="../index.html"> </map> </body> </html>