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Amortization

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Amortization Powered By Docstoc
					                                 House Mortgage

          $100,000

           $90,000

           $80,000

           $70,000

           $60,000
Balance




           $50,000

           $40,000

           $30,000

           $20,000

           $10,000

               $0


                                         Number of Payments

                     Resulting Balance    Total Paid to Principal   Total Paid to Interest
                                                      Sheet1




Initial Loan Amount           $100,000
Mortgage Rate                   5.125%
Length of Loan                      180

Monthly Payment                $797.32


                                                                                                       Payment
                                                                                                       Difference
Payment        Date of    Beginning       Actual  Required     Resulting    Amount to     Amount to    goes to
No.            Payment    Balance         Payment Payment      Balance      Principal     Interest     Principal

           1      1-Sep-03 $100,000.00    $797.32    $797.32   $99,629.76       $370.24      $427.08        $0.00
           2      1-Oct-03 $99,629.76     $797.32    $797.32   $99,257.94       $371.82      $425.50        $0.00
           3     1-Nov-03 $99,257.94      $797.32    $797.32   $98,884.54       $373.41      $423.91        $0.00
           4     1-Dec-03 $98,884.54      $797.32    $797.32   $98,509.54       $375.00      $422.32        $0.00
           5      1-Jan-04 $98,509.54     $797.32    $797.32   $98,132.93       $376.60      $420.72        $0.00
           6      1-Feb-04 $98,132.93     $797.32    $797.32   $97,754.72       $378.21      $419.11        $0.00
           7     1-Mar-04 $97,754.72      $797.32    $797.32   $97,374.90       $379.83      $417.49        $0.00
           8      1-Apr-04 $97,374.90     $797.32    $797.32   $96,993.45       $381.45      $415.87        $0.00
           9     1-May-04 $96,993.45      $797.32    $797.32   $96,610.37       $383.08      $414.24        $0.00
          10      1-Jun-04 $96,610.37     $797.32    $797.32   $96,225.66       $384.71      $412.61        $0.00
          11       1-Jul-04 $96,225.66    $797.32    $797.32   $95,839.30       $386.36      $410.96        $0.00
          12     1-Aug-04 $95,839.30      $797.32    $797.32   $95,451.29       $388.01      $409.31        $0.00
          13      1-Sep-04 $95,451.29     $797.32    $797.32   $95,061.63       $389.66      $407.66        $0.00
          14      1-Oct-04 $95,061.63     $797.32    $797.32   $94,670.30       $391.33      $405.99        $0.00
          15     1-Nov-04 $94,670.30      $797.32    $797.32   $94,277.30       $393.00      $404.32        $0.00
          16     1-Dec-04 $94,277.30      $797.32    $797.32   $93,882.63       $394.68      $402.64        $0.00
          17      1-Jan-05 $93,882.63     $797.32    $797.32   $93,486.26       $396.36      $400.96        $0.00
          18      1-Feb-05 $93,486.26     $797.32    $797.32   $93,088.21       $398.06      $399.26        $0.00
          19     1-Mar-05 $93,088.21      $797.32    $797.32   $92,688.45       $399.76      $397.56        $0.00
          20      1-Apr-05 $92,688.45     $797.32    $797.32   $92,286.99       $401.46      $395.86        $0.00
          21     1-May-05 $92,286.99      $797.32    $797.32   $91,883.81       $403.18      $394.14        $0.00
          22      1-Jun-05 $91,883.81     $797.32    $797.32   $91,478.91       $404.90      $392.42        $0.00
          23       1-Jul-05 $91,478.91    $797.32    $797.32   $91,072.28       $406.63      $390.69        $0.00
          24     1-Aug-05 $91,072.28      $797.32    $797.32   $90,663.91       $408.37      $388.95        $0.00
          25      1-Sep-05 $90,663.91     $797.32    $797.32   $90,253.80       $410.11      $387.21        $0.00
          26      1-Oct-05 $90,253.80     $797.32    $797.32   $89,841.94       $411.86      $385.46        $0.00
          27     1-Nov-05 $89,841.94      $797.32    $797.32   $89,428.32       $413.62      $383.70        $0.00
          28     1-Dec-05 $89,428.32      $797.32    $797.32   $89,012.93       $415.39      $381.93        $0.00
          29      1-Jan-06 $89,012.93     $797.32    $797.32   $88,595.77       $417.16      $380.16        $0.00
          30      1-Feb-06 $88,595.77     $797.32    $797.32   $88,176.83       $418.94      $378.38        $0.00
          31     1-Mar-06 $88,176.83      $797.32    $797.32   $87,756.10       $420.73      $376.59        $0.00
          32      1-Apr-06 $87,756.10     $797.32    $797.32   $87,333.57       $422.53      $374.79        $0.00
          33     1-May-06 $87,333.57      $797.32    $797.32   $86,909.24       $424.33      $372.99        $0.00
          34      1-Jun-06 $86,909.24     $797.32    $797.32   $86,483.09       $426.15      $371.17        $0.00
          35       1-Jul-06 $86,483.09    $797.32    $797.32   $86,055.13       $427.97      $369.35        $0.00
          36     1-Aug-06 $86,055.13      $797.32    $797.32   $85,625.33       $429.79      $367.53        $0.00



                                                      Page 2
                                         Sheet1

37    1-Sep-06    $85,625.33   $797.32   $797.32   $85,193.70   $431.63   $365.69   $0.00
38    1-Oct-06    $85,193.70   $797.32   $797.32   $84,760.23   $433.47   $363.85   $0.00
39   1-Nov-06     $84,760.23   $797.32   $797.32   $84,324.91   $435.32   $362.00   $0.00
40   1-Dec-06     $84,324.91   $797.32   $797.32   $83,887.72   $437.18   $360.14   $0.00
41    1-Jan-07    $83,887.72   $797.32   $797.32   $83,448.67   $439.05   $358.27   $0.00
42    1-Feb-07    $83,448.67   $797.32   $797.32   $83,007.75   $440.93   $356.40   $0.00
43   1-Mar-07     $83,007.75   $797.32   $797.32   $82,564.94   $442.81   $354.51   $0.00
44    1-Apr-07    $82,564.94   $797.32   $797.32   $82,120.24   $444.70   $352.62   $0.00
45   1-May-07     $82,120.24   $797.32   $797.32   $81,673.64   $446.60   $350.72   $0.00
46    1-Jun-07    $81,673.64   $797.32   $797.32   $81,225.14   $448.51   $348.81   $0.00
47     1-Jul-07   $81,225.14   $797.32   $797.32   $80,774.72   $450.42   $346.90   $0.00
48   1-Aug-07     $80,774.72   $797.32   $797.32   $80,322.37   $452.35   $344.98   $0.00
49    1-Sep-07    $80,322.37   $797.32   $797.32   $79,868.09   $454.28   $343.04   $0.00
50    1-Oct-07    $79,868.09   $797.32   $797.32   $79,411.88   $456.22   $341.10   $0.00
51   1-Nov-07     $79,411.88   $797.32   $797.32   $78,953.71   $458.17   $339.15   $0.00
52   1-Dec-07     $78,953.71   $797.32   $797.32   $78,493.59   $460.12   $337.20   $0.00
53    1-Jan-08    $78,493.59   $797.32   $797.32   $78,031.50   $462.09   $335.23   $0.00
54    1-Feb-08    $78,031.50   $797.32   $797.32   $77,567.44   $464.06   $333.26   $0.00
55   1-Mar-08     $77,567.44   $797.32   $797.32   $77,101.40   $466.04   $331.28   $0.00
56    1-Apr-08    $77,101.40   $797.32   $797.32   $76,633.36   $468.03   $329.29   $0.00
57   1-May-08     $76,633.36   $797.32   $797.32   $76,163.33   $470.03   $327.29   $0.00
58    1-Jun-08    $76,163.33   $797.32   $797.32   $75,691.29   $472.04   $325.28   $0.00
59     1-Jul-08   $75,691.29   $797.32   $797.32   $75,217.24   $474.06   $323.26   $0.00
60   1-Aug-08     $75,217.24   $797.32   $797.32   $74,741.16   $476.08   $321.24   $0.00
61    1-Sep-08    $74,741.16   $797.32   $797.32   $74,263.04   $478.11   $319.21   $0.00
62    1-Oct-08    $74,263.04   $797.32   $797.32   $73,782.89   $480.16   $317.17   $0.00
63   1-Nov-08     $73,782.89   $797.32   $797.32   $73,300.68   $482.21   $315.11   $0.00
64   1-Dec-08     $73,300.68   $797.32   $797.32   $72,816.42   $484.27   $313.06   $0.00
65    1-Jan-09    $72,816.42   $797.32   $797.32   $72,330.08   $486.33   $310.99   $0.00
66    1-Feb-09    $72,330.08   $797.32   $797.32   $71,841.67   $488.41   $308.91   $0.00
67   1-Mar-09     $71,841.67   $797.32   $797.32   $71,351.18   $490.50   $306.82   $0.00
68    1-Apr-09    $71,351.18   $797.32   $797.32   $70,858.59   $492.59   $304.73   $0.00
69   1-May-09     $70,858.59   $797.32   $797.32   $70,363.89   $494.70   $302.63   $0.00
70    1-Jun-09    $70,363.89   $797.32   $797.32   $69,867.08   $496.81   $300.51   $0.00
71     1-Jul-09   $69,867.08   $797.32   $797.32   $69,368.15   $498.93   $298.39   $0.00
72   1-Aug-09     $69,368.15   $797.32   $797.32   $68,867.09   $501.06   $296.26   $0.00
73    1-Sep-09    $68,867.09   $797.32   $797.32   $68,363.89   $503.20   $294.12   $0.00
74    1-Oct-09    $68,363.89   $797.32   $797.32   $67,858.54   $505.35   $291.97   $0.00
75   1-Nov-09     $67,858.54   $797.32   $797.32   $67,351.03   $507.51   $289.81   $0.00
76   1-Dec-09     $67,351.03   $797.32   $797.32   $66,841.36   $509.68   $287.65   $0.00
77    1-Jan-10    $66,841.36   $797.32   $797.32   $66,329.51   $511.85   $285.47   $0.00
78    1-Feb-10    $66,329.51   $797.32   $797.32   $65,815.47   $514.04   $283.28   $0.00
79   1-Mar-10     $65,815.47   $797.32   $797.32   $65,299.23   $516.23   $281.09   $0.00
80    1-Apr-10    $65,299.23   $797.32   $797.32   $64,780.80   $518.44   $278.88   $0.00
81   1-May-10     $64,780.80   $797.32   $797.32   $64,260.14   $520.65   $276.67   $0.00
82    1-Jun-10    $64,260.14   $797.32   $797.32   $63,737.27   $522.88   $274.44   $0.00
83     1-Jul-10   $63,737.27   $797.32   $797.32   $63,212.16   $525.11   $272.21   $0.00
84   1-Aug-10     $63,212.16   $797.32   $797.32   $62,684.81   $527.35   $269.97   $0.00
85    1-Sep-10    $62,684.81   $797.32   $797.32   $62,155.20   $529.60   $267.72   $0.00
86    1-Oct-10    $62,155.20   $797.32   $797.32   $61,623.34   $531.87   $265.45   $0.00
87   1-Nov-10     $61,623.34   $797.32   $797.32   $61,089.20   $534.14   $263.18   $0.00
88   1-Dec-10     $61,089.20   $797.32   $797.32   $60,552.78   $536.42   $260.90   $0.00



                                         Page 3
                                          Sheet1

 89    1-Jan-11    $60,552.78   $797.32   $797.32   $60,014.07   $538.71   $258.61   $0.00
 90    1-Feb-11    $60,014.07   $797.32   $797.32   $59,473.06   $541.01   $256.31   $0.00
 91   1-Mar-11     $59,473.06   $797.32   $797.32   $58,929.74   $543.32   $254.00   $0.00
 92    1-Apr-11    $58,929.74   $797.32   $797.32   $58,384.10   $545.64   $251.68   $0.00
 93   1-May-11     $58,384.10   $797.32   $797.32   $57,836.13   $547.97   $249.35   $0.00
 94    1-Jun-11    $57,836.13   $797.32   $797.32   $57,285.81   $550.31   $247.01   $0.00
 95     1-Jul-11   $57,285.81   $797.32   $797.32   $56,733.15   $552.66   $244.66   $0.00
 96   1-Aug-11     $56,733.15   $797.32   $797.32   $56,178.13   $555.02   $242.30   $0.00
 97    1-Sep-11    $56,178.13   $797.32   $797.32   $55,620.74   $557.39   $239.93   $0.00
 98    1-Oct-11    $55,620.74   $797.32   $797.32   $55,060.96   $559.77   $237.55   $0.00
 99   1-Nov-11     $55,060.96   $797.32   $797.32   $54,498.80   $562.16   $235.16   $0.00
100   1-Dec-11     $54,498.80   $797.32   $797.32   $53,934.23   $564.57   $232.76   $0.00
101    1-Jan-12    $53,934.23   $797.32   $797.32   $53,367.26   $566.98   $230.34   $0.00
102    1-Feb-12    $53,367.26   $797.32   $797.32   $52,797.86   $569.40   $227.92   $0.00
103   1-Mar-12     $52,797.86   $797.32   $797.32   $52,226.03   $571.83   $225.49   $0.00
104    1-Apr-12    $52,226.03   $797.32   $797.32   $51,651.76   $574.27   $223.05   $0.00
105   1-May-12     $51,651.76   $797.32   $797.32   $51,075.03   $576.72   $220.60   $0.00
106    1-Jun-12    $51,075.03   $797.32   $797.32   $50,495.85   $579.19   $218.13   $0.00
107     1-Jul-12   $50,495.85   $797.32   $797.32   $49,914.19   $581.66   $215.66   $0.00
108   1-Aug-12     $49,914.19   $797.32   $797.32   $49,330.04   $584.15   $213.18   $0.00
109    1-Sep-12    $49,330.04   $797.32   $797.32   $48,743.40   $586.64   $210.68   $0.00
110    1-Oct-12    $48,743.40   $797.32   $797.32   $48,154.26   $589.15   $208.17   $0.00
111   1-Nov-12     $48,154.26   $797.32   $797.32   $47,562.59   $591.66   $205.66   $0.00
112   1-Dec-12     $47,562.59   $797.32   $797.32   $46,968.41   $594.19   $203.13   $0.00
113    1-Jan-13    $46,968.41   $797.32   $797.32   $46,371.68   $596.73   $200.59   $0.00
114    1-Feb-13    $46,371.68   $797.32   $797.32   $45,772.40   $599.27   $198.05   $0.00
115   1-Mar-13     $45,772.40   $797.32   $797.32   $45,170.57   $601.83   $195.49   $0.00
116    1-Apr-13    $45,170.57   $797.32   $797.32   $44,566.17   $604.40   $192.92   $0.00
117   1-May-13     $44,566.17   $797.32   $797.32   $43,959.18   $606.99   $190.33   $0.00
118    1-Jun-13    $43,959.18   $797.32   $797.32   $43,349.60   $609.58   $187.74   $0.00
119     1-Jul-13   $43,349.60   $797.32   $797.32   $42,737.42   $612.18   $185.14   $0.00
120   1-Aug-13     $42,737.42   $797.32   $797.32   $42,122.62   $614.80   $182.52   $0.00
121    1-Sep-13    $42,122.62   $797.32   $797.32   $41,505.20   $617.42   $179.90   $0.00
122    1-Oct-13    $41,505.20   $797.32   $797.32   $40,885.14   $620.06   $177.26   $0.00
123   1-Nov-13     $40,885.14   $797.32   $797.32   $40,262.44   $622.71   $174.61   $0.00
124   1-Dec-13     $40,262.44   $797.32   $797.32   $39,637.07   $625.37   $171.95   $0.00
125    1-Jan-14    $39,637.07   $797.32   $797.32   $39,009.03   $628.04   $169.28   $0.00
126    1-Feb-14    $39,009.03   $797.32   $797.32   $38,378.31   $630.72   $166.60   $0.00
127   1-Mar-14     $38,378.31   $797.32   $797.32   $37,744.90   $633.41   $163.91   $0.00
128    1-Apr-14    $37,744.90   $797.32   $797.32   $37,108.78   $636.12   $161.20   $0.00
129   1-May-14     $37,108.78   $797.32   $797.32   $36,469.95   $638.83   $158.49   $0.00
130    1-Jun-14    $36,469.95   $797.32   $797.32   $35,828.38   $641.56   $155.76   $0.00
131     1-Jul-14   $35,828.38   $797.32   $797.32   $35,184.08   $644.30   $153.02   $0.00
132   1-Aug-14     $35,184.08   $797.32   $797.32   $34,537.03   $647.06   $150.27   $0.00
133    1-Sep-14    $34,537.03   $797.32   $797.32   $33,887.21   $649.82   $147.50   $0.00
134    1-Oct-14    $33,887.21   $797.32   $797.32   $33,234.61   $652.59   $144.73   $0.00
135   1-Nov-14     $33,234.61   $797.32   $797.32   $32,579.23   $655.38   $141.94   $0.00
136   1-Dec-14     $32,579.23   $797.32   $797.32   $31,921.05   $658.18   $139.14   $0.00
137    1-Jan-15    $31,921.05   $797.32   $797.32   $31,260.06   $660.99   $136.33   $0.00
138    1-Feb-15    $31,260.06   $797.32   $797.32   $30,596.25   $663.81   $133.51   $0.00
139   1-Mar-15     $30,596.25   $797.32   $797.32   $29,929.60   $666.65   $130.67   $0.00
140    1-Apr-15    $29,929.60   $797.32   $797.32   $29,260.10   $669.50   $127.82   $0.00



                                          Page 4
                                                  Sheet1

        141   1-May-15     $29,260.10   $797.32   $797.32   $28,587.75       $672.36       $124.97          $0.00
        142    1-Jun-15    $28,587.75   $797.32   $797.32   $27,912.52       $675.23       $122.09          $0.00
        143     1-Jul-15   $27,912.52   $797.32   $797.32   $27,234.41       $678.11       $119.21          $0.00
        144   1-Aug-15     $27,234.41   $797.32   $797.32   $26,553.40       $681.01       $116.31          $0.00
        145    1-Sep-15    $26,553.40   $797.32   $797.32   $25,869.49       $683.92       $113.41          $0.00
        146    1-Oct-15    $25,869.49   $797.32   $797.32   $25,182.65       $686.84       $110.48          $0.00
        147   1-Nov-15     $25,182.65   $797.32   $797.32   $24,492.88       $689.77       $107.55          $0.00
        148   1-Dec-15     $24,492.88   $797.32   $797.32   $23,800.17       $692.72       $104.61          $0.00
        149    1-Jan-16    $23,800.17   $797.32   $797.32   $23,104.49       $695.67       $101.65          $0.00
        150    1-Feb-16    $23,104.49   $797.32   $797.32   $22,405.85       $698.64        $98.68          $0.00
        151   1-Mar-16     $22,405.85   $797.32   $797.32   $21,704.22       $701.63        $95.69          $0.00
        152    1-Apr-16    $21,704.22   $797.32   $797.32   $20,999.59       $704.63        $92.70          $0.00
        153   1-May-16     $20,999.59   $797.32   $797.32   $20,291.96       $707.63        $89.69          $0.00
        154    1-Jun-16    $20,291.96   $797.32   $797.32   $19,581.30       $710.66        $86.66          $0.00
        155     1-Jul-16   $19,581.30   $797.32   $797.32   $18,867.61       $713.69        $83.63          $0.00
        156   1-Aug-16     $18,867.61   $797.32   $797.32   $18,150.87       $716.74        $80.58          $0.00
        157    1-Sep-16    $18,150.87   $797.32   $797.32   $17,431.07       $719.80        $77.52          $0.00
        158    1-Oct-16    $17,431.07   $797.32   $797.32   $16,708.19       $722.88        $74.45          $0.00
        159   1-Nov-16     $16,708.19   $797.32   $797.32   $15,982.23       $725.96        $71.36          $0.00
        160   1-Dec-16     $15,982.23   $797.32   $797.32   $15,253.17       $729.06        $68.26          $0.00
        161    1-Jan-17    $15,253.17   $797.32   $797.32   $14,520.99       $732.18        $65.14          $0.00
        162    1-Feb-17    $14,520.99   $797.32   $797.32   $13,785.69       $735.30        $62.02          $0.00
        163   1-Mar-17     $13,785.69   $797.32   $797.32   $13,047.24       $738.44        $58.88          $0.00
        164    1-Apr-17    $13,047.24   $797.32   $797.32   $12,305.65       $741.60        $55.72          $0.00
        165   1-May-17     $12,305.65   $797.32   $797.32   $11,560.88       $744.77        $52.56          $0.00
        166    1-Jun-17    $11,560.88   $797.32   $797.32   $10,812.94       $747.95        $49.37          $0.00
        167     1-Jul-17   $10,812.94   $797.32   $797.32   $10,061.80       $751.14        $46.18          $0.00
        168   1-Aug-17     $10,061.80   $797.32   $797.32    $9,307.45       $754.35        $42.97          $0.00
        169    1-Sep-17     $9,307.45   $797.32   $797.32    $8,549.88       $757.57        $39.75          $0.00
        170    1-Oct-17     $8,549.88   $797.32   $797.32    $7,789.07       $760.81        $36.52          $0.00
        171   1-Nov-17      $7,789.07   $797.32   $797.32    $7,025.02       $764.05        $33.27          $0.00
        172   1-Dec-17      $7,025.02   $797.32   $797.32    $6,257.70       $767.32        $30.00          $0.00
        173    1-Jan-18     $6,257.70   $797.32   $797.32    $5,487.11       $770.59        $26.73          $0.00
        174    1-Feb-18     $5,487.11   $797.32   $797.32    $4,713.22       $773.89        $23.43          $0.00
        175   1-Mar-18      $4,713.22   $797.32   $797.32    $3,936.03       $777.19        $20.13          $0.00
        176    1-Apr-18     $3,936.03   $797.32   $797.32    $3,155.52       $780.51        $16.81          $0.00
        177   1-May-18      $3,155.52   $797.32   $797.32    $2,371.67       $783.84        $13.48          $0.00
        178    1-Jun-18     $2,371.67   $797.32   $797.32    $1,584.48       $787.19        $10.13          $0.00
        179     1-Jul-18    $1,584.48   $797.32   $797.32      $793.93       $790.55         $6.77          $0.00
        180   1-Aug-18        $793.93   $797.32   $797.32        $0.00       $793.93         $3.39          $0.00
Total                                                                    $100,000.00    $43,517.68



                                                                                       After seven years:



                                                                                                     1 extra principal payment
                                                                                                     2 extra principal payments
                                                                                                     3 extra principal payments




                                                  Page 5
                                                        Sheet1




Additional                                              Yearly        Total
Amount to    Ending       Total Paid to   Total Paid to Total         Additional
Principal    Balance      Principal       Interest      Interest Paid Principal

             $99,629.76         $370.24       $679.82      $427.08          $0.00   $0.00   $0.00
             $99,257.94         $742.06     $1,105.33      $852.59          $0.00   $0.00   $0.00
             $98,884.54       $1,115.46     $1,529.24    $1,276.50          $0.00   $0.00   $0.00
             $98,509.54       $1,490.46     $1,951.56    $1,698.82          $0.00   $0.00   $0.00
             $98,132.93       $1,867.07     $2,372.28      $420.72          $0.00   $0.00   $0.00
             $97,754.72       $2,245.28     $2,791.39      $839.83          $0.00   $0.00   $0.00
             $97,374.90       $2,625.10     $3,208.88    $1,257.32          $0.00   $0.00   $0.00
             $96,993.45       $3,006.55     $3,624.75    $1,673.19          $0.00   $0.00   $0.00
             $96,610.37       $3,389.63     $4,039.00    $2,087.44          $0.00   $0.00   $0.00
             $96,225.66       $3,774.34     $4,451.60    $2,500.04          $0.00   $0.00   $0.00
             $95,839.30       $4,160.70     $4,862.57    $2,911.01          $0.00   $0.00   $0.00
             $95,451.29       $4,548.71     $5,271.88    $3,320.32          $0.00   $0.00   $0.00
             $95,061.63       $4,938.37     $5,679.54    $3,727.98          $0.00   $0.00   $0.00
             $94,670.30       $5,329.70     $6,085.53    $4,133.97          $0.00   $0.00   $0.00
             $94,277.30       $5,722.70     $6,489.85    $4,538.29          $0.00   $0.00   $0.00
             $93,882.63       $6,117.37     $6,892.49    $4,940.93          $0.00   $0.00   $0.00
             $93,486.26       $6,513.74     $7,293.45      $400.96          $0.00   $0.00   $0.00
             $93,088.21       $6,911.79     $7,692.71      $800.22          $0.00   $0.00   $0.00
             $92,688.45       $7,311.55     $8,090.28    $1,197.79          $0.00   $0.00   $0.00
             $92,286.99       $7,713.01     $8,486.13    $1,593.64          $0.00   $0.00   $0.00
             $91,883.81       $8,116.19     $8,880.28    $1,987.78          $0.00   $0.00   $0.00
             $91,478.91       $8,521.09     $9,272.70    $2,380.21          $0.00   $0.00   $0.00
             $91,072.28       $8,927.72     $9,663.39    $2,770.90          $0.00   $0.00   $0.00
             $90,663.91       $9,336.09    $10,052.34    $3,159.85          $0.00   $0.00   $0.00
             $90,253.80       $9,746.20    $10,439.55    $3,547.06          $0.00   $0.00   $0.00
             $89,841.94      $10,158.06    $10,825.01    $3,932.52          $0.00   $0.00   $0.00
             $89,428.32      $10,571.68    $11,208.71    $4,316.22          $0.00   $0.00   $0.00
             $89,012.93      $10,987.07    $11,590.65    $4,698.15          $0.00   $0.00   $0.00
             $88,595.77      $11,404.23    $11,970.81      $380.16          $0.00   $0.00   $0.00
             $88,176.83      $11,823.17    $12,349.18      $758.54          $0.00   $0.00   $0.00
             $87,756.10      $12,243.90    $12,725.77    $1,135.13          $0.00   $0.00   $0.00
             $87,333.57      $12,666.43    $13,100.56    $1,509.92          $0.00   $0.00   $0.00
             $86,909.24      $13,090.76    $13,473.55    $1,882.90          $0.00   $0.00   $0.00
             $86,483.09      $13,516.91    $13,844.73    $2,254.08          $0.00   $0.00   $0.00
             $86,055.13      $13,944.87    $14,214.08    $2,623.43          $0.00   $0.00   $0.00
             $85,625.33      $14,374.67    $14,581.61    $2,990.96          $0.00   $0.00   $0.00



                                                        Page 6
                                       Sheet1

$85,193.70   $14,806.30   $14,947.30    $3,356.65   $0.00   $0.00   $0.00
$84,760.23   $15,239.77   $15,311.15    $3,720.50   $0.00   $0.00   $0.00
$84,324.91   $15,675.09   $15,673.14    $4,082.50   $0.00   $0.00   $0.00
$83,887.72   $16,112.28   $16,033.28    $4,442.64   $0.00   $0.00   $0.00
$83,448.67   $16,551.33   $16,391.55      $358.27   $0.00
$83,007.75   $16,992.25   $16,747.95      $714.67   $0.00
$82,564.94   $17,435.06   $17,102.46    $1,069.18   $0.00
$82,120.24   $17,879.76   $17,455.08    $1,421.80   $0.00
$81,673.64   $18,326.36   $17,805.80    $1,772.52   $0.00
$81,225.14   $18,774.86   $18,154.62    $2,121.34   $0.00
$80,774.72   $19,225.28   $18,501.52    $2,468.23   $0.00
$80,322.37   $19,677.63   $18,846.49    $2,813.21   $0.00
$79,868.09   $20,131.91   $19,189.53    $3,156.25   $0.00
$79,411.88   $20,588.12   $19,530.64    $3,497.36   $0.00
$78,953.71   $21,046.29   $19,869.79    $3,836.51   $0.00
$78,493.59   $21,506.41   $20,206.99    $4,173.71   $0.00
$78,031.50   $21,968.50   $20,542.22      $335.23   $0.00
$77,567.44   $22,432.56   $20,875.48      $668.49
$77,101.40   $22,898.60   $21,206.76      $999.77
$76,633.36   $23,366.64   $21,536.05    $1,329.06
$76,163.33   $23,836.67   $21,863.34    $1,656.35
$75,691.29   $24,308.71   $22,188.62    $1,981.63
$75,217.24   $24,782.76   $22,511.88    $2,304.89
$74,741.16   $25,258.84   $22,833.12    $2,626.13
$74,263.04   $25,736.96   $23,152.33    $2,945.34
$73,782.89   $26,217.11   $23,469.49    $3,262.50
$73,300.68   $26,699.32   $23,784.61    $3,577.62
$72,816.42   $27,183.58   $24,097.66    $3,890.67
$72,330.08   $27,669.92   $24,408.65
$71,841.67   $28,158.33   $24,717.56
$71,351.18   $28,648.82   $25,024.38
$70,858.59   $29,141.41   $25,329.11
$70,363.89   $29,636.11   $25,631.74
$69,867.08   $30,132.92   $25,932.25
$69,368.15   $30,631.85   $26,230.64
$68,867.09   $31,132.91   $26,526.90
$68,363.89   $31,636.11   $26,821.02
$67,858.54   $32,141.46   $27,112.99
$67,351.03   $32,648.97   $27,402.80
$66,841.36   $33,158.64   $27,690.45
$66,329.51   $33,670.49   $27,975.92
$65,815.47   $34,184.53   $28,259.20
$65,299.23   $34,700.77   $28,540.29
$64,780.80   $35,219.20   $28,819.17
$64,260.14   $35,739.86   $29,095.84
$63,737.27   $36,262.73   $29,370.28
$63,212.16   $36,787.84   $29,642.49
$62,684.81   $37,315.19   $29,912.46
$62,155.20   $37,844.80   $30,180.18
$61,623.34   $38,376.66   $30,445.63
$61,089.20   $38,910.80   $30,708.82
$60,552.78   $39,447.22   $30,969.72



                                       Page 7
                                       Sheet1

$60,014.07   $39,985.93   $31,228.33
$59,473.06   $40,526.94   $31,484.64
$58,929.74   $41,070.26   $31,738.64
$58,384.10   $41,615.90   $31,990.32
$57,836.13   $42,163.87   $32,239.67
$57,285.81   $42,714.19   $32,486.67
$56,733.15   $43,266.85   $32,731.33
$56,178.13   $43,821.87   $32,973.63
$55,620.74   $44,379.26   $33,213.56
$55,060.96   $44,939.04   $33,451.10
$54,498.80   $45,501.20   $33,686.26
$53,934.23   $46,065.77   $33,919.02
$53,367.26   $46,632.74   $34,149.36
$52,797.86   $47,202.14   $34,377.28
$52,226.03   $47,773.97   $34,602.77
$51,651.76   $48,348.24   $34,825.82
$51,075.03   $48,924.97   $35,046.42
$50,495.85   $49,504.15   $35,264.55
$49,914.19   $50,085.81   $35,480.21
$49,330.04   $50,669.96   $35,693.39
$48,743.40   $51,256.60   $35,904.07
$48,154.26   $51,845.74   $36,112.24
$47,562.59   $52,437.41   $36,317.90
$46,968.41   $53,031.59   $36,521.03
$46,371.68   $53,628.32   $36,721.63
$45,772.40   $54,227.60   $36,919.67
$45,170.57   $54,829.43   $37,115.16
$44,566.17   $55,433.83   $37,308.07
$43,959.18   $56,040.82   $37,498.41
$43,349.60   $56,650.40   $37,686.15
$42,737.42   $57,262.58   $37,871.29
$42,122.62   $57,877.38   $38,053.81
$41,505.20   $58,494.80   $38,233.71
$40,885.14   $59,114.86   $38,410.97
$40,262.44   $59,737.56   $38,585.59
$39,637.07   $60,362.93   $38,757.54
$39,009.03   $60,990.97   $38,926.83
$38,378.31   $61,621.69   $39,093.43
$37,744.90   $62,255.10   $39,257.33
$37,108.78   $62,891.22   $39,418.54
$36,469.95   $63,530.05   $39,577.02
$35,828.38   $64,171.62   $39,732.78
$35,184.08   $64,815.92   $39,885.80
$34,537.03   $65,462.97   $40,036.06
$33,887.21   $66,112.79   $40,183.56
$33,234.61   $66,765.39   $40,328.29
$32,579.23   $67,420.77   $40,470.23
$31,921.05   $68,078.95   $40,609.37
$31,260.06   $68,739.94   $40,745.70
$30,596.25   $69,403.75   $40,879.21
$29,929.60   $70,070.40   $41,009.88
$29,260.10   $70,739.90   $41,137.70



                                       Page 8
                                                                     Sheet1

                             $28,587.75    $71,412.25   $41,262.67
                             $27,912.52    $72,087.48   $41,384.76
                             $27,234.41    $72,765.59   $41,503.97
                             $26,553.40    $73,446.60   $41,620.28
                             $25,869.49    $74,130.51   $41,733.69
                             $25,182.65    $74,817.35   $41,844.17
                             $24,492.88    $75,507.12   $41,951.72
                             $23,800.17    $76,199.83   $42,056.33
                             $23,104.49    $76,895.51   $42,157.98
                             $22,405.85    $77,594.15   $42,256.65
                             $21,704.22    $78,295.78   $42,352.34
                             $20,999.59    $79,000.41   $42,445.04
                             $20,291.96    $79,708.04   $42,534.72
                             $19,581.30    $80,418.70   $42,621.39
                             $18,867.61    $81,132.39   $42,705.02
                             $18,150.87    $81,849.13   $42,785.60
                             $17,431.07    $82,568.93   $42,863.12
                             $16,708.19    $83,291.81   $42,937.56
                             $15,982.23    $84,017.77   $43,008.92
                             $15,253.17    $84,746.83   $43,077.18
                             $14,520.99    $85,479.01   $43,142.32
                             $13,785.69    $86,214.31   $43,204.34
                             $13,047.24    $86,952.76   $43,263.21
                             $12,305.65    $87,694.35   $43,318.94
                             $11,560.88    $88,439.12   $43,371.49
                             $10,812.94    $89,187.06   $43,420.87
                             $10,061.80    $89,938.20   $43,467.05
                              $9,307.45    $90,692.55   $43,510.02
                              $8,549.88    $91,450.12   $43,549.77
                              $7,789.07    $92,210.93   $43,586.28
                              $7,025.02    $92,974.98   $43,619.55
                              $6,257.70    $93,742.30   $43,649.55
                              $5,487.11    $94,512.89   $43,676.28
                              $4,713.22    $95,286.78   $43,699.71
                              $3,936.03    $96,063.97   $43,719.84
                              $3,155.52    $96,844.48   $43,736.65
                              $2,371.67    $97,628.33   $43,750.13
                              $1,584.48    $98,415.52   $43,760.26
                                $793.93    $99,206.07   $43,767.02
                                  $0.00   $100,000.00   $43,770.42

                     $0.00
              Additional                                                         Savings
              Amount to      Ending     Total Paid to Total Paid     Extra Paid Paid to
              Principal      Balance    Principal     to Interest    toPrincipal Interest    Total Paid
                     $0.00   $84,934.91     $7,065.09 $48,968.28           $0.00       $0.00 $56,033.36
                   $65.00    $79,700.06    $12,292.79 $47,515.30       $5,460.00   $1,452.97 $59,808.10
                   $70.00    $79,297.38    $12,694.92 $47,403.54       $5,880.00   $1,564.74 $60,098.46
1 extra principal payment    $78,400.20    $13,592.78 $47,301.52       $6,796.39   $1,666.75 $60,894.30
2 extra principal payments   $72,362.54    $19,623.44 $45,713.87      $13,082.29   $3,254.41 $65,337.31
3 extra principal payments   $66,784.54    $25,194.44 $44,201.05      $18,895.83   $4,767.23 $69,395.49




                                                                     Page 9
                         Sheet1




       Amount to
       Principal

0.00      $370.24    1
0.00      $371.82    2
0.00      $373.41    3
0.00      $375.00    4
0.00      $376.60    5
0.00      $378.21    6
0.00      $379.83    7
0.00      $381.45    8
0.00      $383.08    9
0.00      $384.71   10
0.00      $386.36   11
0.00      $388.01   12
0.00      $389.66   13
0.00      $391.33   14
0.00      $393.00   15
0.00      $394.68   16
0.00      $396.36   17
0.00      $398.06   18
0.00      $399.76   19
0.00      $401.46   20
0.00      $403.18   21
0.00      $404.90   22
0.00      $406.63   23
0.00      $408.37   24
0.00      $410.11   25
0.00      $411.86   26
0.00      $413.62   27
0.00      $415.39   28
0.00      $417.16   29
0.00      $418.94   30
0.00      $420.73   31
0.00      $422.53   32
0.00      $424.33   33
0.00      $426.15   34
0.00      $427.97   35
0.00      $429.79   36



                         Page 10
                      Sheet1

0.00   $431.63   37
0.00   $433.47   38
0.00   $435.32   39
0.00   $437.18   40
                 41
                 42
                 43
                 44
                 45
                 46
                 47
                 48
                 49
                 50
                 51
                 52
                 53
                 54
                 55
                 56
                 57
                 58
                 59
                 60
                 61
                 62
                 63
                 64
                 65
                 66
                 67
                 68
                 69
                 70
                 71
                 72
                 73
                 74
                 75
                 76
                 77
                 78
                 79
                 80
                 81
                 82
                 83
                 84
                 85
                 86
                 87
                 88



                      Page 11
      Sheet1

 89
 90
 91
 92
 93
 94
 95
 96
 97
 98
 99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140



      Page 12
      Sheet1

141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180




      Page 13

				
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