Calculator

1. Print 'Your guide to the FIDO reverse mortgage calculator'. The calculator uses assumptions about unpredictable events that cannot be guaranteed. The Guide explains them. 2. The calculator uses macros. Please select 'Enable Macros' when opening the calculator. 3. Fill in white boxes. The Guide explains them. 4. You can see and change some assumptions. Click Assumptions tab. 5. Click Workings tabs for detailed calculations (reference only). Your feedback About your reverse mortgage Assumed increase in your home value Value of your home How much as an initial lump sum? How much in payments each month? How many years for monthly payments? Total initial mortgage Initial mortgage as % of home value Interest rate on loan Monthly fees Establishment costs Assumed annual increase in home value Your equity falls to zero after Your mortgage debt and equity These figures and the graph below are estimates only, based on limited information, and not guaranteed. Consider your own circumstances and seek expert advice. $400,000 $50,000 $500 5 $80,000 20.0% 10.00% $12 $1,200 0.0% 16 years Year 0 5 10 15 20 25 30 35 Mortgage 51,000 124,000 206,000 339,000 NA NA NA NA Equity 349,000 276,000 194,000 61,000 NA NA NA NA Total 400,000 400,000 400,000 400,000 NA NA NA NA Your mortgage debt and your equity Last year Max value Warning Year Mortgage value 0 5 10 15 20 25 30 35 51,200 124,266 205,570 339,488 559,989 922,969 1,520,395 2,503,586 Mortgage debt at end of month Equity remaining $500 $450 $400 $350 $300 $250 $200 $150 $100 $50 $0 0 5 16 500,000 8.50% Equity 348,800 275,734 194,430 60,512 -159,989 -522,969 -1,120,395 -2,103,586 Value of home Total 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 Thousands 10 15 Set own Years FALSE Assumptions Consumer price index Home value increases Low increase Medium increase High increase Warning level Variation -2.5% 1.0% 4.5% 6.0% 2.5% Description CPI - 2.5% CPI + 1.0% CPI + 4.5% CPI + 6.0% Rate 0.0% 3.5% 7.0% 8.5% Workings –- Mortgage and equity accounts Monthly interest rate Monthly general inflation Monthly house inflation Opening loan after fees 0.833% 0.206% 0.000% $51,200 Month 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 Year 0.08 0.17 0.25 0.33 0.42 0.50 0.58 0.67 0.75 0.83 0.92 1.00 1.08 1.17 1.25 1.33 1.42 1.50 1.58 1.67 1.75 1.83 1.92 2.00 2.08 2.17 2.25 2.33 2.42 2.50 2.58 2.67 2.75 2.83 2.92 3.00 3.08 3.17 3.25 3.33 3.42 3.50 3.58 Year 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 2 2 2 3 3 3 3 3 3 3 3 Value of house end of month 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 Mortgage outstanding at beginning of month 51,200 52,143 53,094 54,052 55,019 55,994 56,977 57,968 58,967 59,975 60,991 62,016 63,049 64,091 65,142 66,201 67,269 68,347 69,433 70,528 71,632 72,746 73,869 75,001 76,143 77,294 78,455 79,626 80,806 81,997 83,197 84,407 85,628 86,858 88,099 89,350 90,612 91,884 93,167 94,461 95,765 97,080 98,406 Monthly Income Stream 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 Interest accrued 431 439 447 455 463 471 479 487 496 504 512 521 530 538 547 556 565 574 583 592 601 610 620 629 639 648 658 668 678 687 697 708 718 728 738 749 759 770 781 791 802 813 824 Monthly fee 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 12 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 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 89 90 91 92 93 94 95 96 97 98 99 3.67 3.75 3.83 3.92 4.00 4.08 4.17 4.25 4.33 4.42 4.50 4.58 4.67 4.75 4.83 4.92 5.00 5.08 5.17 5.25 5.33 5.42 5.50 5.58 5.67 5.75 5.83 5.92 6.00 6.08 6.17 6.25 6.33 6.42 6.50 6.58 6.67 6.75 6.83 6.92 7.00 7.08 7.17 7.25 7.33 7.42 7.50 7.58 7.67 7.75 7.83 7.92 8.00 8.08 8.17 8.25 3 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 5 5 5 5 5 5 5 5 5 5 5 5 6 6 6 6 6 6 6 6 6 6 6 6 7 7 7 7 7 7 7 7 7 7 7 7 8 8 8 8 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 99,744 101,092 102,452 103,823 105,206 106,600 108,006 109,423 110,852 112,294 113,747 115,213 116,690 118,180 119,683 121,198 122,726 124,266 125,315 126,373 127,440 128,516 129,600 130,694 131,797 132,909 134,030 135,161 136,301 137,451 138,611 139,780 140,958 142,147 143,346 144,554 145,773 147,002 148,241 149,491 150,751 152,021 153,302 154,594 155,897 157,210 158,535 159,871 161,217 162,575 163,945 165,325 166,718 168,122 169,537 170,965 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 835 847 858 869 881 892 904 916 928 940 952 964 977 989 1,002 1,014 1,027 1,036 1,044 1,053 1,062 1,071 1,080 1,089 1,098 1,108 1,117 1,126 1,136 1,145 1,155 1,165 1,175 1,185 1,195 1,205 1,215 1,225 1,235 1,246 1,256 1,267 1,278 1,288 1,299 1,310 1,321 1,332 1,343 1,355 1,366 1,378 1,389 1,401 1,413 1,425 13 13 13 13 13 13 13 13 13 13 13 13 13 13 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15 15 15 15 15 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 8.33 8.42 8.50 8.58 8.67 8.75 8.83 8.92 9.00 9.08 9.17 9.25 9.33 9.42 9.50 9.58 9.67 9.75 9.83 9.92 10.00 10.08 10.17 10.25 10.33 10.42 10.50 10.58 10.67 10.75 10.83 10.92 11.00 11.08 11.17 11.25 11.33 11.42 11.50 11.58 11.67 11.75 11.83 11.92 12.00 12.08 12.17 12.25 12.33 12.42 12.50 12.58 12.67 12.75 12.83 12.92 8 8 8 8 8 8 8 8 9 9 9 9 9 9 9 9 9 9 9 9 10 10 10 10 10 10 10 10 10 10 10 10 11 11 11 11 11 11 11 11 11 11 11 11 12 12 12 12 12 12 12 12 12 12 12 12 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 172,404 173,856 175,319 176,795 178,283 179,784 181,297 182,822 184,361 185,912 187,476 189,054 190,644 192,248 193,865 195,496 197,140 198,799 200,470 202,156 203,856 205,570 207,299 209,042 210,799 212,571 214,358 216,160 217,977 219,809 221,657 223,520 225,398 227,292 229,202 231,128 233,070 235,028 237,002 238,993 241,001 243,025 245,066 247,125 249,200 251,293 253,403 255,531 257,677 259,840 262,022 264,222 266,440 268,677 270,932 273,206 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,437 1,449 1,461 1,473 1,486 1,498 1,511 1,524 1,536 1,549 1,562 1,575 1,589 1,602 1,616 1,629 1,643 1,657 1,671 1,685 1,699 1,713 1,727 1,742 1,757 1,771 1,786 1,801 1,816 1,832 1,847 1,863 1,878 1,894 1,910 1,926 1,942 1,959 1,975 1,992 2,008 2,025 2,042 2,059 2,077 2,094 2,112 2,129 2,147 2,165 2,184 2,202 2,220 2,239 2,258 2,277 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 16 17 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 13.00 13.08 13.17 13.25 13.33 13.42 13.50 13.58 13.67 13.75 13.83 13.92 14.00 14.08 14.17 14.25 14.33 14.42 14.50 14.58 14.67 14.75 14.83 14.92 15.00 15.08 15.17 15.25 15.33 15.42 15.50 15.58 15.67 15.75 15.83 15.92 16.00 16.08 16.17 16.25 16.33 16.42 16.50 16.58 16.67 16.75 16.83 16.92 17.00 17.08 17.17 17.25 17.33 17.42 17.50 17.58 13 13 13 13 13 13 13 13 13 13 13 13 14 14 14 14 14 14 14 14 14 14 14 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 16 16 16 16 16 16 16 16 17 17 17 17 17 17 17 17 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 275,500 277,812 280,144 282,495 284,866 287,256 289,667 292,097 294,548 297,020 299,512 302,024 304,558 307,113 309,689 312,287 314,907 317,548 320,211 322,897 325,605 328,336 331,089 333,865 336,665 339,488 342,334 345,205 348,099 351,017 353,960 356,927 359,919 362,936 365,978 369,046 372,139 375,258 378,403 381,574 384,772 387,996 391,248 394,526 397,832 401,165 404,526 407,916 411,333 414,779 418,254 421,758 425,291 428,853 432,445 436,068 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2,296 2,315 2,335 2,354 2,374 2,394 2,414 2,434 2,455 2,475 2,496 2,517 2,538 2,559 2,581 2,602 2,624 2,646 2,668 2,691 2,713 2,736 2,759 2,782 2,806 2,829 2,853 2,877 2,901 2,925 2,950 2,974 2,999 3,024 3,050 3,075 3,101 3,127 3,153 3,180 3,206 3,233 3,260 3,288 3,315 3,343 3,371 3,399 3,428 3,456 3,485 3,515 3,544 3,574 3,604 3,634 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 17 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18 19 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 17.67 17.75 17.83 17.92 18.00 18.08 18.17 18.25 18.33 18.42 18.50 18.58 18.67 18.75 18.83 18.92 19.00 19.08 19.17 19.25 19.33 19.42 19.50 19.58 19.67 19.75 19.83 19.92 20.00 20.08 20.17 20.25 20.33 20.42 20.50 20.58 20.67 20.75 20.83 20.92 21.00 21.08 21.17 21.25 21.33 21.42 21.50 21.58 21.67 21.75 21.83 21.92 22.00 22.08 22.17 22.25 17 17 17 17 18 18 18 18 18 18 18 18 18 18 18 18 19 19 19 19 19 19 19 19 19 19 19 19 20 20 20 20 20 20 20 20 20 20 20 20 21 21 21 21 21 21 21 21 21 21 21 21 22 22 22 22 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 439,720 443,403 447,117 450,861 454,637 458,444 462,284 466,155 470,058 473,994 477,963 481,965 486,000 490,069 494,172 498,310 502,481 506,688 510,929 515,206 519,519 523,868 528,253 532,674 537,133 541,628 546,161 550,732 555,341 559,989 564,675 569,401 574,165 578,970 583,815 588,700 593,625 598,592 603,601 608,651 613,743 618,877 624,055 629,276 634,540 639,848 645,201 650,598 656,040 661,527 667,060 672,640 678,266 683,939 689,659 695,427 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3,664 3,695 3,726 3,757 3,789 3,820 3,852 3,885 3,917 3,950 3,983 4,016 4,050 4,084 4,118 4,153 4,187 4,222 4,258 4,293 4,329 4,366 4,402 4,439 4,476 4,514 4,551 4,589 4,628 4,667 4,706 4,745 4,785 4,825 4,865 4,906 4,947 4,988 5,030 5,072 5,115 5,157 5,200 5,244 5,288 5,332 5,377 5,422 5,467 5,513 5,559 5,605 5,652 5,699 5,747 5,795 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 19 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 21 21 21 21 21 21 21 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 22.33 22.42 22.50 22.58 22.67 22.75 22.83 22.92 23.00 23.08 23.17 23.25 23.33 23.42 23.50 23.58 23.67 23.75 23.83 23.92 24.00 24.08 24.17 24.25 24.33 24.42 24.50 24.58 24.67 24.75 24.83 24.92 25.00 25.08 25.17 25.25 25.33 25.42 25.50 25.58 25.67 25.75 25.83 25.92 26.00 26.08 26.17 26.25 26.33 26.42 26.50 26.58 26.67 26.75 26.83 26.92 22 22 22 22 22 22 22 22 23 23 23 23 23 23 23 23 23 23 23 23 24 24 24 24 24 24 24 24 24 24 24 24 25 25 25 25 25 25 25 25 25 25 25 25 26 26 26 26 26 26 26 26 26 26 26 26 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 701,243 707,107 713,021 718,983 724,996 731,059 737,172 743,336 749,552 755,819 762,139 768,511 774,937 781,416 787,949 794,537 801,179 807,877 814,631 821,441 828,308 835,233 842,215 849,255 856,354 863,512 870,730 878,008 885,347 892,747 900,208 907,732 915,319 922,969 930,683 938,461 946,304 954,212 962,186 970,227 978,335 986,510 994,754 1,003,066 1,011,448 1,019,899 1,028,421 1,037,014 1,045,679 1,054,416 1,063,226 1,072,109 1,081,066 1,090,098 1,099,206 1,108,389 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5,844 5,893 5,942 5,992 6,042 6,092 6,143 6,194 6,246 6,298 6,351 6,404 6,458 6,512 6,566 6,621 6,676 6,732 6,789 6,845 6,903 6,960 7,018 7,077 7,136 7,196 7,256 7,317 7,378 7,440 7,502 7,564 7,628 7,691 7,756 7,821 7,886 7,952 8,018 8,085 8,153 8,221 8,290 8,359 8,429 8,499 8,570 8,642 8,714 8,787 8,860 8,934 9,009 9,084 9,160 9,237 21 21 21 21 21 21 21 21 21 21 21 21 21 21 21 21 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 22 23 23 23 23 23 23 23 23 23 23 23 23 23 23 23 23 23 23 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 27.00 27.08 27.17 27.25 27.33 27.42 27.50 27.58 27.67 27.75 27.83 27.92 28.00 28.08 28.17 28.25 28.33 28.42 28.50 28.58 28.67 28.75 28.83 28.92 29.00 29.08 29.17 29.25 29.33 29.42 29.50 29.58 29.67 29.75 29.83 29.92 30.00 30.08 30.17 30.25 30.33 30.42 30.50 30.58 30.67 30.75 30.83 30.92 31.00 31.08 31.17 31.25 31.33 31.42 31.50 31.58 27 27 27 27 27 27 27 27 27 27 27 27 28 28 28 28 28 28 28 28 28 28 28 28 29 29 29 29 29 29 29 29 29 29 29 29 30 30 30 30 30 30 30 30 30 30 30 30 31 31 31 31 31 31 31 31 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 1,117,649 1,126,986 1,136,401 1,145,895 1,155,467 1,165,120 1,174,853 1,184,667 1,194,563 1,204,541 1,214,603 1,224,748 1,234,979 1,245,294 1,255,695 1,266,184 1,276,759 1,287,423 1,298,176 1,309,018 1,319,951 1,330,975 1,342,091 1,353,299 1,364,601 1,375,998 1,387,489 1,399,076 1,410,760 1,422,541 1,434,420 1,446,398 1,458,477 1,470,655 1,482,936 1,495,319 1,507,805 1,520,395 1,533,090 1,545,891 1,558,799 1,571,814 1,584,938 1,598,172 1,611,515 1,624,970 1,638,537 1,652,217 1,666,012 1,679,921 1,693,946 1,708,088 1,722,348 1,736,727 1,751,226 1,765,846 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9,314 9,392 9,470 9,549 9,629 9,709 9,790 9,872 9,955 10,038 10,122 10,206 10,291 10,377 10,464 10,552 10,640 10,729 10,818 10,908 11,000 11,091 11,184 11,277 11,372 11,467 11,562 11,659 11,756 11,855 11,953 12,053 12,154 12,255 12,358 12,461 12,565 12,670 12,776 12,882 12,990 13,098 13,208 13,318 13,429 13,541 13,654 13,768 13,883 13,999 14,116 14,234 14,353 14,473 14,594 14,715 23 23 23 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 24 25 25 25 25 25 25 25 25 25 25 25 25 25 25 25 25 25 25 25 25 26 26 26 26 26 26 26 26 26 26 26 26 26 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 31.67 31.75 31.83 31.92 32.00 32.08 32.17 32.25 32.33 32.42 32.50 32.58 32.67 32.75 32.83 32.92 33.00 33.08 33.17 33.25 33.33 33.42 33.50 33.58 33.67 33.75 33.83 33.92 34.00 34.08 34.17 34.25 34.33 34.42 34.50 34.58 34.67 34.75 34.83 34.92 35.00 35.08 35.17 35.25 31 31 31 31 32 32 32 32 32 32 32 32 32 32 32 32 33 33 33 33 33 33 33 33 33 33 33 33 34 34 34 34 34 34 34 34 34 34 34 34 35 35 35 35 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 1,780,587 1,795,452 1,810,440 1,825,553 1,840,793 1,856,159 1,871,654 1,887,277 1,903,031 1,918,916 1,934,934 1,951,085 1,967,371 1,983,793 2,000,351 2,017,048 2,033,884 2,050,860 2,067,978 2,085,238 2,102,642 2,120,191 2,137,887 2,155,730 2,173,722 2,191,864 2,210,157 2,228,603 2,247,202 2,265,957 2,284,868 2,303,936 2,323,164 2,342,551 2,362,101 2,381,813 2,401,689 2,421,732 2,441,941 2,462,319 2,482,867 2,503,586 2,524,478 2,545,544 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 14,838 14,962 15,087 15,213 15,340 15,468 15,597 15,727 15,859 15,991 16,124 16,259 16,395 16,532 16,670 16,809 16,949 17,090 17,233 17,377 17,522 17,668 17,816 17,964 18,114 18,266 18,418 18,572 18,727 18,883 19,041 19,199 19,360 19,521 19,684 19,848 20,014 20,181 20,350 20,519 20,691 20,863 21,037 21,213 26 26 26 26 26 26 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 28 28 28 28 28 28 28 28 28 28 28 28 28 28 28 28 28 29 29 29 Last month of positive equity Last year Max nominal value of house 199 16 400,000 > 35 years FALSE Nominal values end of month Mortgage debt at end of month 52,143 53,094 54,052 55,019 55,994 56,977 57,968 58,967 59,975 60,991 62,016 63,049 64,091 65,142 66,201 67,269 68,347 69,433 70,528 71,632 72,746 73,869 75,001 76,143 77,294 78,455 79,626 80,806 81,997 83,197 84,407 85,628 86,858 88,099 89,350 90,612 91,884 93,167 94,461 95,765 97,080 98,406 99,744 Real values end of month Equity remaining Value of home 347,857 400,000 346,906 400,000 345,948 400,000 344,981 400,000 344,006 400,000 343,023 400,000 342,032 400,000 341,033 400,000 340,025 400,000 339,009 400,000 337,984 400,000 336,951 400,000 335,909 400,000 334,858 400,000 333,799 400,000 332,731 400,000 331,653 400,000 330,567 400,000 329,472 400,000 328,368 400,000 327,254 400,000 326,131 400,000 324,999 400,000 323,857 400,000 322,706 400,000 321,545 400,000 320,374 400,000 319,194 400,000 318,003 400,000 316,803 400,000 315,593 400,000 314,372 400,000 313,142 400,000 311,901 400,000 310,650 400,000 309,388 400,000 308,116 400,000 306,833 400,000 305,539 400,000 304,235 400,000 302,920 400,000 301,594 400,000 300,256 400,000 Mortgage Equity Remaining 52,036 347,142 52,876 345,482 53,720 343,819 54,568 342,153 55,421 340,485 56,278 338,814 57,139 337,141 58,005 335,465 58,875 333,786 59,749 332,104 60,628 330,420 61,511 328,732 62,399 327,042 63,292 325,349 64,189 323,653 65,091 321,954 65,997 320,252 66,908 318,547 67,824 316,839 68,744 315,128 69,669 313,414 70,599 311,696 71,534 309,976 72,474 308,252 73,419 306,524 74,368 304,794 75,323 303,060 76,282 301,323 77,247 299,582 78,216 297,838 79,191 296,090 80,171 294,339 81,156 292,584 82,146 290,825 83,141 289,063 84,142 287,298 85,148 285,528 86,159 283,755 87,176 281,978 88,198 280,197 89,226 278,412 90,259 276,623 91,297 274,830 Value of home 399,178 398,357 397,538 396,721 395,906 395,092 394,280 393,469 392,660 391,853 391,048 390,244 389,442 388,641 387,842 387,045 386,249 385,455 384,663 383,872 383,083 382,296 381,510 380,726 379,943 379,162 378,383 377,605 376,829 376,054 375,281 374,510 373,740 372,972 372,205 371,440 370,676 369,914 369,154 368,395 367,638 366,882 366,128 101,092 102,452 103,823 105,206 106,600 108,006 109,423 110,852 112,294 113,747 115,213 116,690 118,180 119,683 121,198 122,726 124,266 125,315 126,373 127,440 128,516 129,600 130,694 131,797 132,909 134,030 135,161 136,301 137,451 138,611 139,780 140,958 142,147 143,346 144,554 145,773 147,002 148,241 149,491 150,751 152,021 153,302 154,594 155,897 157,210 158,535 159,871 161,217 162,575 163,945 165,325 166,718 168,122 169,537 170,965 172,404 298,908 297,548 296,177 294,794 293,400 291,994 290,577 289,148 287,706 286,253 284,787 283,310 281,820 280,317 278,802 277,274 275,734 274,685 273,627 272,560 271,484 270,400 269,306 268,203 267,091 265,970 264,839 263,699 262,549 261,389 260,220 259,042 257,853 256,654 255,446 254,227 252,998 251,759 250,509 249,249 247,979 246,698 245,406 244,103 242,790 241,465 240,129 238,783 237,425 236,055 234,675 233,282 231,878 230,463 229,035 227,596 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 92,342 93,391 94,447 95,508 96,574 97,647 98,725 99,809 100,899 101,994 103,096 104,204 105,317 106,437 107,563 108,695 109,833 110,533 111,237 111,945 112,658 113,375 114,097 114,823 115,554 116,290 117,030 117,774 118,524 119,278 120,036 120,800 121,568 122,341 123,119 123,902 124,690 125,482 126,280 127,083 127,890 128,703 129,521 130,344 131,172 132,005 132,843 133,687 134,536 135,390 136,250 137,115 137,985 138,861 139,742 140,629 273,034 271,233 269,428 267,619 265,806 263,989 262,167 260,341 258,511 256,677 254,838 252,994 251,146 249,294 247,437 245,575 243,709 242,282 240,853 239,421 237,986 236,548 235,107 233,662 232,215 230,765 229,311 227,855 226,395 224,932 223,466 221,996 220,523 219,047 217,567 216,084 214,597 213,107 211,614 210,117 208,616 207,111 205,603 204,092 202,576 201,057 199,534 198,007 196,476 194,941 193,403 191,860 190,313 188,763 187,208 185,649 365,375 364,624 363,875 363,127 362,380 361,635 360,892 360,150 359,410 358,671 357,934 357,198 356,464 355,731 355,000 354,270 353,542 352,815 352,090 351,366 350,644 349,923 349,204 348,486 347,769 347,055 346,341 345,629 344,919 344,210 343,502 342,796 342,091 341,388 340,686 339,986 339,287 338,590 337,894 337,199 336,506 335,814 335,124 334,435 333,748 333,062 332,377 331,694 331,012 330,332 329,653 328,975 328,299 327,624 326,950 326,278 173,856 175,319 176,795 178,283 179,784 181,297 182,822 184,361 185,912 187,476 189,054 190,644 192,248 193,865 195,496 197,140 198,799 200,470 202,156 203,856 205,570 207,299 209,042 210,799 212,571 214,358 216,160 217,977 219,809 221,657 223,520 225,398 227,292 229,202 231,128 233,070 235,028 237,002 238,993 241,001 243,025 245,066 247,125 249,200 251,293 253,403 255,531 257,677 259,840 262,022 264,222 266,440 268,677 270,932 273,206 275,500 226,144 224,681 223,205 221,717 220,216 218,703 217,178 215,639 214,088 212,524 210,946 209,356 207,752 206,135 204,504 202,860 201,201 199,530 197,844 196,144 194,430 192,701 190,958 189,201 187,429 185,642 183,840 182,023 180,191 178,343 176,480 174,602 172,708 170,798 168,872 166,930 164,972 162,998 161,007 158,999 156,975 154,934 152,875 150,800 148,707 146,597 144,469 142,323 140,160 137,978 135,778 133,560 131,323 129,068 126,794 124,500 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 141,522 142,420 143,323 144,233 145,148 146,068 146,995 147,927 148,865 149,809 150,759 151,715 152,677 153,645 154,618 155,598 156,585 157,577 158,575 159,580 160,591 161,609 162,632 163,663 164,699 165,742 166,792 167,848 168,911 169,981 171,057 172,140 173,229 174,326 175,429 176,540 177,657 178,781 179,912 181,051 182,196 183,349 184,509 185,676 186,850 188,032 189,221 190,418 191,622 192,834 194,053 195,280 196,514 197,757 199,007 200,265 184,086 182,519 180,947 179,371 177,791 176,206 174,617 173,024 171,426 169,824 168,217 166,605 164,989 163,368 161,743 160,112 158,477 156,837 155,193 153,543 151,888 150,228 148,564 146,894 145,219 143,538 141,853 140,162 138,466 136,765 135,058 133,346 131,629 129,905 128,177 126,442 124,702 122,956 121,205 119,448 117,684 115,915 114,140 112,359 110,572 108,779 106,980 105,174 103,362 101,544 99,720 97,889 96,052 94,208 92,358 90,501 325,608 324,938 324,270 323,604 322,939 322,275 321,612 320,951 320,291 319,633 318,976 318,320 317,666 317,013 316,361 315,711 315,062 314,414 313,768 313,123 312,479 311,837 311,196 310,556 309,918 309,281 308,645 308,011 307,378 306,746 306,115 305,486 304,858 304,231 303,606 302,982 302,359 301,737 301,117 300,498 299,881 299,264 298,649 298,035 297,422 296,811 296,201 295,592 294,984 294,378 293,773 293,169 292,566 291,965 291,365 290,766 277,812 280,144 282,495 284,866 287,256 289,667 292,097 294,548 297,020 299,512 302,024 304,558 307,113 309,689 312,287 314,907 317,548 320,211 322,897 325,605 328,336 331,089 333,865 336,665 339,488 342,334 345,205 348,099 351,017 353,960 356,927 359,919 362,936 365,978 369,046 372,139 375,258 378,403 381,574 384,772 387,996 391,248 394,526 397,832 401,165 404,526 407,916 411,333 414,779 418,254 421,758 425,291 428,853 432,445 436,068 439,720 122,188 119,856 117,505 115,134 112,744 110,333 107,903 105,452 102,980 100,488 97,976 95,442 92,887 90,311 87,713 85,093 82,452 79,789 77,103 74,395 71,664 68,911 66,135 63,335 60,512 57,666 54,795 51,901 48,983 46,040 43,073 40,081 37,064 34,022 30,954 27,861 24,742 21,597 18,426 15,228 12,004 8,752 5,474 2,168 -1,165 -4,526 -7,916 -11,333 -14,779 -18,254 -21,758 -25,291 -28,853 -32,445 -36,068 -39,720 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 201,530 202,804 204,086 205,376 206,673 207,979 209,293 210,616 211,946 213,285 214,632 215,988 217,352 218,725 220,106 221,496 222,895 224,303 225,719 227,144 228,578 230,021 231,473 232,934 234,405 235,884 237,373 238,871 240,379 241,895 243,422 244,958 246,503 248,059 249,624 251,198 252,783 254,378 255,982 257,597 259,222 260,856 262,502 264,157 265,823 267,499 269,186 270,883 272,591 274,309 276,039 277,779 279,530 281,292 283,065 284,849 88,638 86,767 84,891 83,007 81,116 79,219 77,314 75,403 73,484 71,559 69,626 67,686 65,739 63,784 61,822 59,852 57,875 55,891 53,898 51,898 49,891 47,875 45,852 43,821 41,782 39,734 37,679 35,615 33,544 31,464 29,375 27,279 25,174 23,060 20,938 18,807 16,667 14,518 12,361 10,195 8,020 5,836 3,642 1,440 -772 -2,993 -5,224 -7,463 -9,713 -11,972 -14,240 -16,519 -18,807 -21,105 -23,413 -25,731 290,168 289,572 288,976 288,382 287,790 287,198 286,608 286,019 285,431 284,844 284,258 283,674 283,091 282,509 281,928 281,349 280,770 280,193 279,617 279,042 278,469 277,896 277,325 276,755 276,186 275,618 275,052 274,487 273,922 273,359 272,797 272,237 271,677 271,118 270,561 270,005 269,450 268,896 268,343 267,792 267,241 266,692 266,144 265,597 265,051 264,506 263,962 263,420 262,878 262,338 261,798 261,260 260,723 260,187 259,652 259,119 443,403 447,117 450,861 454,637 458,444 462,284 466,155 470,058 473,994 477,963 481,965 486,000 490,069 494,172 498,310 502,481 506,688 510,929 515,206 519,519 523,868 528,253 532,674 537,133 541,628 546,161 550,732 555,341 559,989 564,675 569,401 574,165 578,970 583,815 588,700 593,625 598,592 603,601 608,651 613,743 618,877 624,055 629,276 634,540 639,848 645,201 650,598 656,040 661,527 667,060 672,640 678,266 683,939 689,659 695,427 701,243 -43,403 -47,117 -50,861 -54,637 -58,444 -62,284 -66,155 -70,058 -73,994 -77,963 -81,965 -86,000 -90,069 -94,172 -98,310 -102,481 -106,688 -110,929 -115,206 -119,519 -123,868 -128,253 -132,674 -137,133 -141,628 -146,161 -150,732 -155,341 -159,989 -164,675 -169,401 -174,165 -178,970 -183,815 -188,700 -193,625 -198,592 -203,601 -208,651 -213,743 -218,877 -224,055 -229,276 -234,540 -239,848 -245,201 -250,598 -256,040 -261,527 -267,060 -272,640 -278,266 -283,939 -289,659 -295,427 -301,243 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 286,645 288,451 290,269 292,098 293,939 295,791 297,655 299,531 301,418 303,317 305,228 307,151 309,086 311,033 312,992 314,963 316,947 318,944 320,952 322,974 325,008 327,054 329,114 331,186 333,272 335,370 337,482 339,607 341,745 343,897 346,062 348,240 350,432 352,638 354,858 357,092 359,339 361,601 363,877 366,167 368,471 370,790 373,123 375,471 377,834 380,212 382,604 385,011 387,434 389,871 392,324 394,792 397,276 399,775 402,290 404,820 -28,059 -30,397 -32,745 -35,104 -37,473 -39,852 -42,242 -44,642 -47,054 -49,476 -51,908 -54,352 -56,807 -59,272 -61,749 -64,237 -66,736 -69,247 -71,769 -74,302 -76,848 -79,404 -81,973 -84,554 -87,146 -89,750 -92,367 -94,996 -97,637 -100,290 -102,956 -105,634 -108,325 -111,028 -113,745 -116,474 -119,216 -121,972 -124,740 -127,522 -130,317 -133,125 -135,947 -138,782 -141,632 -144,495 -147,372 -150,262 -153,167 -156,087 -159,020 -161,968 -164,930 -167,907 -170,898 -173,904 258,586 258,054 257,524 256,995 256,466 255,939 255,413 254,888 254,364 253,841 253,319 252,799 252,279 251,760 251,243 250,726 250,211 249,697 249,183 248,671 248,160 247,650 247,141 246,633 246,126 245,620 245,115 244,611 244,108 243,607 243,106 242,606 242,107 241,610 241,113 240,617 240,123 239,629 239,137 238,645 238,155 237,665 237,176 236,689 236,202 235,717 235,232 234,749 234,266 233,785 233,304 232,824 232,346 231,868 231,392 230,916 707,107 713,021 718,983 724,996 731,059 737,172 743,336 749,552 755,819 762,139 768,511 774,937 781,416 787,949 794,537 801,179 807,877 814,631 821,441 828,308 835,233 842,215 849,255 856,354 863,512 870,730 878,008 885,347 892,747 900,208 907,732 915,319 922,969 930,683 938,461 946,304 954,212 962,186 970,227 978,335 986,510 994,754 1,003,066 1,011,448 1,019,899 1,028,421 1,037,014 1,045,679 1,054,416 1,063,226 1,072,109 1,081,066 1,090,098 1,099,206 1,108,389 1,117,649 -307,107 -313,021 -318,983 -324,996 -331,059 -337,172 -343,336 -349,552 -355,819 -362,139 -368,511 -374,937 -381,416 -387,949 -394,537 -401,179 -407,877 -414,631 -421,441 -428,308 -435,233 -442,215 -449,255 -456,354 -463,512 -470,730 -478,008 -485,347 -492,747 -500,208 -507,732 -515,319 -522,969 -530,683 -538,461 -546,304 -554,212 -562,186 -570,227 -578,335 -586,510 -594,754 -603,066 -611,448 -619,899 -628,421 -637,014 -645,679 -654,416 -663,226 -672,109 -681,066 -690,098 -699,206 -708,389 -717,649 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000 407,367 409,929 412,508 415,102 417,713 420,340 422,984 425,644 428,321 431,014 433,724 436,452 439,196 441,958 444,737 447,533 450,347 453,178 456,028 458,895 461,780 464,683 467,604 470,543 473,501 476,478 479,473 482,486 485,519 488,571 491,641 494,731 497,841 500,970 504,118 507,286 510,474 513,682 516,910 520,158 523,426 526,715 530,025 533,355 536,706 540,078 543,472 546,886 550,322 553,779 557,258 560,759 564,282 567,826 571,393 574,983 -176,926 -179,962 -183,013 -186,079 -189,161 -192,258 -195,370 -198,498 -201,642 -204,801 -207,977 -211,168 -214,376 -217,599 -220,839 -224,096 -227,369 -230,659 -233,965 -237,289 -240,629 -243,987 -247,362 -250,754 -254,164 -257,591 -261,036 -264,499 -267,980 -271,478 -274,995 -278,531 -282,085 -285,657 -289,248 -292,858 -296,486 -300,134 -303,801 -307,487 -311,193 -314,918 -318,663 -322,428 -326,212 -330,017 -333,842 -337,688 -341,553 -345,440 -349,347 -353,275 -357,225 -361,195 -365,187 -369,200 230,441 229,968 229,495 229,023 228,552 228,083 227,614 227,146 226,679 226,213 225,748 225,284 224,821 224,359 223,897 223,437 222,978 222,520 222,062 221,606 221,150 220,696 220,242 219,789 219,337 218,886 218,437 217,988 217,539 217,092 216,646 216,201 215,756 215,313 214,870 214,428 213,988 213,548 213,109 212,671 212,234 211,797 211,362 210,927 210,494 210,061 209,629 209,198 208,768 208,339 207,911 207,484 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