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Home Affordable Payment Calculator

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					Client Address

CURRENT Monthly Expenses
Housing First Mortgage Second Mortgage PMI Property Insurance Property Taxes Home Owner Assoc. Total Housing Basics Electric Gas Telephone Cable / Internet Water Medical Mobil Phones (02) Food Auto Insurance (1) Auto Maintenance Gasoline Clothes Child Support Total - Basics Sub-total = Housing + Basics Expenses INCOME (minus) EXPENSES Others Expenses Furniture Loan Credit Cards Auto Loan Personal Loan (HELOC) House alarm Entertainment Church/Club CHILD CARE Total Others Expenses Montly Payment

$

Montly Payment

Montly Payment $ -

$ $ $

$

-

TOTAL EXPENSES Monthly Net Income
Borrower Co-borrower Others Net Rent Net one unit

$

-

TOTAL NET INCOME

$

-

Total Net Income Vs. Total Expenses Net Income / Expenses $
Adults : 2 Childs 4

-

PITIA Gross Income DTI (Front)

$ $

Current 1.00 $ 0%

Propose New Law $1,977.46 $ 0.31 1.00 $ 1.00 197746% 31%

Current Propose

DTI (Back) DTI (Back)

0% 197746%

FIRST MORTGAGE

Period year 30 Amount 535,000.00 date : JUN 07 Current Rate 7.750% only interest $3,832.81 complet will be 1,472.48 $ $ $ $ 3,832.81

30 535,000.00 Estimates 2.000% $1,977.46 $ $ $ $ 1,977.46 Current Difference

30 535,000.00 Propose Diference 2.000% 0.000% 0.000% $1,977.46 ($1,855.34) ($1,855.34) $0.00 $ $ $ $ $ $1,977.46 $ 1,855.34 $ 1,855.34 $ $ 1,977.46

SECOND MORTGAGE Period year 30 Amount Date : Current Rate 5.00000% $0.00

30 Estimates 5.00000% $0.00

30 Propose Diference 5.00000% 0.00000% 0.00000% $0.00 $ $ -

$

-

$

-

$

-

$

-

$

-

Net Name 1 Borr Name 2 0

Gross 1 1

$

Propose (1,977.46)

Client Address

0 0 0

PROPOSE Monthly Expenses
Housing First Mortgage Second Mortgage PMI Property Insurance Property Taxes Home Owner Assoc. Total Housing Basics Electric Gas Telephone Cable / Internet Water Medical Mobil Phones (02) Food Auto Insurance Auto Maintenance Gasoline Clothes Child Support Total - Basics Sub-total = Housing + Basics Expenses INCOME (minus) EXPENSES Others Expenses Furniture Loan Credit Cards Auto Loan Personal Loan Life Insurance Entertainment Church/Club Education Total Others Expenses Montly Payment $1,977.46 $0.00 $0.00 1,977.46 Montly Payment 1,977.46 (1,977.46) Montly Payment 2% 5%

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

TOTAL EXPENSES Monthly Net Income
Borrower Co-borrower Others Net

$

1,977.46

$ $ $ $

-

TOTAL NET INCOME

$

-

Total Net Income Vs. Total Expenses Net Income / Expenses $
Adults : 2

(1,977.46)

Childs 4

INCOME

Job1 Date Amount YTD YTD Net Net bi weekly

Monthly Net Average Job 2 Date Amount YTD

-

YTD Net Net

Monthly Net Average

-

Spouse

Date Amount YTD YTD Net Net

Monthly Net Average

-

Date Amount YTD YTD Net Net bi weekly

Monthly Net Average

-

Average -

Date Amount YTD YTD Net Net Average -

Monthly Net Average

-

Date Amount YTD YTD Net Net Average -

Monthly Net Average

-

Client Address

Febronio Espinoza 1967 E Indian Trail Aurora, IL 60502-0000

CURRENT Monthly Expenses
Housing First Mortgage Second Mortgage PMI Property Insurance Property Taxes Home Owner Assoc. Total Housing Basics Electric Gas Telephone Cable / Internet Water Medical Mobil Phones (02) Food Auto Insurance (1) Auto Maintenance Gasoline Clothes Child Support Personal Loan Heloc Total - Basics Montly Payment $2,322.06

$ $ $ $ $ $ $ $ $ $ $ $ $ $

96.00 560.00 2,978.06 Montly Payment 105.00 127.00 25.00 100.00 135.00 550.00 57.33 275.00 332.28 1,706.61

TOTAL EXPENSES

$

4,684.67

Monthly Income
GROSS Borrower Co-borrower 2685.83 $ 2548.01 $ NET 2,685.83 2,259.87

TOTAL NET INCOME

$

5,233.84

$

4,945.70


				
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posted:10/2/2009
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