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					Property                                        Representative
                                                          Name
                                                          Phone
                                                            email
                    Seller



 Seller's Estimated Proceeds


                                                     Debits               Credits
Sale Price                                                              $300,000.00

Commission                                           $18,000.00

Tax Proration                                           $525.00
Interest Proration                                       $10.89
Deed Stamps                                           $1,110.00
y
Pay Off 1st Mortgage                                  $7,000.00
Pay off 2nd Mortgage                                  $8,000.00

Attorney's fees
Misc.
Deed/Document Preparation                               $175.00
Home Warranty
Buyer's Closing Costs
Repair Costs
Mortgage Satisfaction Fee
Courier Fee                                               $75.00
HVAC Letter
Recording Fee                                             $18.00
SC Wood Infestation
Total Debits                                         $34,913.89         $34,913.89

Net Proceeds to Seller                                                  $265,086.11

This form is not intended to be a comprehensive analysis, nor is it intended to be an offer to extend credit as
defined by Section 226.6 of Regulation Z. Its purpose is to assist in making decisions about real estate. While the
information contained herein is deemed reliable, no warranty, expressed or implied, is granted. If concerned,
parties should seek counsel from their tax or legal advisor.

                               Date_____________
Seller_________________________________

                               Date_____________
Seller_________________________________

                             Date_____________
Agent_________________________________
Income/Expense Information
          $300,000.00        Sale Price
                7,000      1st Mortgage
                 8000      2nd Mortgage
         $285,000.00       Net Credits

     Interest Proration
            $7,000.00 Mortgage Balance
                    8   Interest Rate
                    7  Day of Closing
              $10.89 Total Required

     Professional Fee
          $300,000.00        Sale Price
                    6     Professional Fee
          $18,000.00 Total Required

       Tax Proration
              $900.00      Yearly Taxes
                    7      Months Used
             $525.00 Total Required
                            Buyer's Estimated Cash Requirements




                                              Debits
Purchase Price                                                                $200,000.00
Less Down Payment                             $7,000.00
Mortgage Amount                             $193,000.00                       $193,000.00

Tax Reserve                                       $58.33
Interest Proration                               $134.03
Hazard Insurance                                 $900.00
Other
Total Prepaid Items                         $201,092.36
Misc. Other
Home Warranty                                      $0.00
Title Insurance                                  $640.00
Tax Service                                       $80.00
Attorney Fees                                    $400.00
Underwriting Fee                                 $100.00
Home Inspection
Flood Certification                               $30.00
Express Mail & Courier Fees                       $30.00
Appraisal                                        $365.00
Credit Report                                     $35.00
Recording Fees                                    $30.00
Survey
Origination Fee                                $1,930.00
Misc. Postage, Copies                             $30.00
Total Closing Costs                            $3,670.00

TOTAL CASH REQUIREMENT                                                        $204,762.36

This form is not intended to be a comprehensive analysis, nor is it intended to be an offer to extend credit as
defined by Section 226.6 of Regulation Z. Its purpose is to assist in making decisions about real estate. While the
information contained herein is deemed reliable, no warranty, expressed or implied, is granted. If concerned,
parties should seek counsel from their tax or legal advisor.

Seller_________________________________                             Date_____________

Seller_________________________________                             Date_____________

Agent_________________________________                              Date_____________
   Down Payment
$200,000.00 Purchase Price
        3.5 % Downpayment
  $7,000.00 Downpayment

  Interest Proration
$193,000.00 Mortgage Amount
           5 Interest Rate
      $26.81 Daily Interest
           5 Days left in Month
   $134.03 Total Required

   Tax Calculation
          7 Month escrow
    $100.00 Yearly Taxes
     $58.33 Reserve Required

Insurance Calculation
          6 Month escrow
    $600.00 Pre-Paid Premium
    $300.00 Reserve Required
   $900.00 Total Required
                                                            Owning Versus Renting
                                                                Comparison
                                                       Prepared for:                 Ann Hutchins
                                                       Date:                            5/23/2008

Sales Price                                                                           $180,000.00
Mortgage Amount                                                                       $162,000.00
Down Payment Required                                                                  $18,000.00


                                         Annual           Monthly
First Year's Interest                     $10,206.00         $850.50
First Year's Property Taxes                $1,800.00         $150.00
Tax Deductible Items                      $12,006.00       $1,000.50
Principal Reduction                       $1,944.000         $162.00
Home Owners Insurance                        $950.00          $79.17
Private Mortgage Insurance                   $840.78          $70.07
Total Cost of Owning                      $15,740.78       $1,311.73

Monthly Payment (PITI)                                       $1,311.73
Less Tax Savings                                               $280.14
Less Principal Reduction                                       $162.00
Less Appreciation                                              $450.00
Monthly Net Cost of Owning                                     $419.59

Monthly Rent for a Similar Home                              $1,100.00
Less Monthly Net Cost of Owning                                $419.59
Monthly Cost of Renting VS Owning                              $680.41
Annual Cost of Renting VS Owning                             $8,164.90




This form is not intended to be a comprehensive analysis, nor is it intended to be an offer to
extend credit as defined by Section 226.6 of Regulation Z. Its purpose is to assist in making
decisions about real estate. While the information contained herein is deemed reliable, no
warranty, expressed or implied, is granted. If concerned, parties should seek counsel from their
tax or legal advisor.
Notes for preparer: Fill in only areas
highlighted in yellow. This template uses
numbers that are estimated values. If
specific numbers are required you should
refer the customer to a profesional such as a
morgtage loan officer, a tax consultant or an
attorney.




Sale Price                      $180,000.00
% Down Payment                      10.00%
Amount of Down Payment           $18,000.00
Mortgage Amount                 $162,000.00
Length of Loan                           30
Interest Rate                        6.30%
Monthly Rent                      $1,100.00
Owners Tax Bracket                  28.00%
Appreciation                         3.00%
Hazard Insurance                    $950.00

				
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