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["Main Menu"]

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[null,"Mortgage Calculator"]
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[null,"Calculate what?"]
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[null,null,"Principal outstanding"]
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[null,null,"Monthly payment"]
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[null,null,"Annual interest rate"]
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[null,null,"Months to payoff"]
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[null,null,"Return to main page"]

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["Mortgage Calculator Worksheet",null,null,"NOTE: Data may be entered only in fields with a green background"]
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["Balance Calculation"]
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["Balance:",""]
["Payment"]
["Annual Interest Rate"]
["Term (in months)"]
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["Monthly Payment Calculations"]
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["Balance:"]
["Payment",""]
["Annual Interest Rate"]
["Term (in months)"]
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["Annual Interest Rate Calculation"]
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["Balance:"]
["Payment"]
["Rate",""]
["Term (in months)"]
[]
[]
["Months to Payoff  Calculation"]
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["Balance:"]
["Payment"]
["Annual Interest Rate"]
["Term (in months)",""]

{"sheet":"Estimated Incr. Mortgage","index":3,"n_rows":10,"n_cols":6,"rows_kept":10,"merged":[[1,5,1,9],[53,18,53,19],[54,18,54,19],[55,18,55,19],[56,18,56,19],[57,18,57,19]],"flags":["formulas_cached_only"]}
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[{"$nulls":5},"NOTE: Data may be entered only in fields with a green background"]
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[null,"Estimated Increased Mortgage Interest Cost"]
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[null,"OLD mortgage balance:"]
[null,"OLD mortgage payment:"]
[null,"OLD annnual interest rate:"]
[null,"NEW annual interest rate:"]
[null,"NEW mortgage points:"]

{"sheet":"Increased Mortgage Calculations","index":4,"n_rows":27,"n_cols":11,"rows_kept":27,"merged":[[3,1,3,2],[3,7,3,8],[4,1,4,2],[4,7,4,8],[5,1,5,2],[5,7,5,8],[6,1,6,2],[6,7,6,8],[7,1,7,2],[7,7,7,8],[11,1,11,2],[13,5,13,6],[14,5,14,6],[21,7,21,10],[22,9,22,10],[23,9,23,10],[24,7,24,10],[25,7,25,10],[26,7,26,10]],"flags":["formulas_cached_only"]}
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[null,"Estimated Increased Mortgage Interest Cost Report"]
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[null,"OLD mortgage balance:",null,"$",{"v":0,"d":".00"},null,null,"Remaining term < months >:",null,null," "]
[null,"OLD mortgage payment:",null,"$",{"v":0,"d":".00"},null,null,"Value of new payments:",null,"$"," "]
[null,"OLD annual interest rate:",null,null,{"v":0,"d":"0.00%"},null,null,"Buydown:",null,"$"," "]
[null,"NEW annual interest rate:",null,null,{"v":0,"d":"0.00%"},null,null,"Points amount:",null,"$",""]
[null,"NEW mortgage points:",null,null,{"v":0,"d":"0.00%"},null,null,"Estimate cost:",null,"$",""]
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[]
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[null,"The calculations:"]
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[null,{"v":0,"d":"$0.00"},"for ",null," "," months at ",null,{"v":0,"d":"0.00%"},"=","$",{"v":0,"d":".00"}]
[null,{"v":0,"d":"$0.00"},"for ",null," "," months at ",null,{"v":0,"d":"0.00%"},"=","$"," "]
[null,"The buydown is :",null,"$",{"v":0,"d":".00"},"-","$","","=","$"," "]
[null,"Points:",null,"$","","x",null,{"v":0,"d":"0.00"},"=","$"," "]
[null,"Buydown + points:",null,"$","","+","$","","=","$"," "]
[]
[]
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[{"$nulls":7},"These figures only apply if the new mortgage"]
[{"$nulls":7},"is for more than "," "," with a term "]
[{"$nulls":7},"of more than "," "," months.  "]
[{"$nulls":7},"Otherwise you have to use the Final Increased"]
[{"$nulls":7},"Mortgage Interest Cost program to see how "]
[{"$nulls":7},"your cost would be reduced."]

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[{"$nulls":18},"Months to Payoff  Calculation"]
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[{"$nulls":18},"Balance:"]
[{"$nulls":18},"Payment"]
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[{"$nulls":18},"Term (in months)",{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]
[{"$nulls":18},"Term rounded",{"$error":"#DIV/0!"},null,{"$error":"#DIV/0!"}]

{"sheet":"Increased Mortgage Int. Cost","index":6,"n_rows":23,"n_cols":10,"rows_kept":23,"merged":[[1,9,1,14]],"flags":["formulas_cached_only"]}
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[{"$nulls":9},"NOTE: Data may be entered only in fields with a green background"]
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[null,"INCREASED MORTGAGE INTEREST COST, FINAL COMPUTATION"]
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[null,"OLD mortgage balance:"]
[null,"OLD mortgage payment:"]
[null,"OLD annual interest rate:"]
[null,"OLD remaining term:"]
{"$rows_empty":9}
[null,"NEW mortgage amount:"]
[null,"NEW mortgage payment:"]
[null,"NEW annual interest rate:"]
[null,"NEW mortgage term:"]
[null,"NEW mortgage points:"]

{"sheet":"Incr Mortg Result - Prorate","index":7,"n_rows":33,"n_cols":9,"rows_kept":33,"merged":[[9,1,9,2]],"flags":["formulas_cached_only"]}
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[null,"Compute two present values at both interest rates using the lesser term:"]
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[null,null,{"v":0,"d":"$0.00"},"for ",0,"  months at",{"v":0,"d":"0.00%"},"=",{"v":0,"d":"$0.00"}]
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[null,"The difference between the two present values is the buydown:"]
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[null,"Proration is not required since the new mortgage is greater than ",{"$nulls":4},{"v":0,"d":"$0.00"}]
[null,"which is the amount required to maintain the same monthly payments."]
[]
[]
[]
[null,"No points are computed because the new mortgage has no points."]

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[null,"Compute two present values at both interest rates using the lesser term:"]
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[null,"The difference between the two present values is the buydown:"]
[null,null,{"v":0,"d":"$0.00"},"-",{"v":0,"d":"$0.00"},"=",{"v":0,"d":"$0.00"}]
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[]
[null,"Since there are no points on the new mortgage, no points are computed here."]
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[]
[]
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[null,"Buydown plus points:"]
[null,null,{"v":0,"d":"$0.00"},"+",{"v":0,"d":"$0.00"},"=",{"v":0,"d":"$0.00"}]
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[]
[null,"Proration is not required since the new mortgage is not less than the mortgage"]
[null,"balance computed in the buydown determination."]

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["Prorate first then add buydown:",{"$nulls":12},"Add buydown and points, then Prorate"]
["Proration not required text:",null,null,"Proration is not required since the new mortgage is greater than ",{"$nulls":4},{"v":0,"d":"$0.00"},{"$nulls":4},"Proration not required text:",null,null,"Proration is not required since the new mortgage is not less than the mortgage"]
[{"$nulls":3},"which is the amount required to maintain the same monthly payments.",{"$nulls":8},"    ",{"$nulls":3},"balance computed in the buydown determination."]
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["Proration required text:",null,null,"Proration is required because the new ",{"$nulls":3},{"v":0,"d":"$0.00"},"  mortgage is less",{"$nulls":4},"Proration required text:",null,null,"Proration is required since the new mortgage is less than the mortgage balance"]
["  -- with points",null,null,"than the ",{"v":0,"d":"$0.00"}," computed amount to maintain the same monthly payment.",{"$nulls":7},"  -- with points",null,null,"computed in the buydown determination."]
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["  -- no points"]
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[]
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["Add buydown and points",null,null,"Points are based on the unpaid mortgage balance on the displacement dwelling,",{"$nulls":9},"Add buydown and points",null,"*****","Points are based on the unpaid mortgage balance on the displacement dwelling,"]
["     then prorate (text):",null,null,"less the amount determined for the reduction of such mortgage balance.",{"$nulls":9},"     then prorate (text):",null,null,"less the amount determined for the reduction of such mortgage balance."]
[{"$nulls":3},"In this case that amount is ",null,null,{"v":0,"d":"$0.00"},{"$nulls":9},"In this case that amount is ",null,null,{"v":0,"d":"$0.00"}]
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[{"$nulls":3},"Buydown plus points:",{"$nulls":9},"Buydown plus points",null,"*****","Buydown plus points:"]
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["Points added text",null,null,"Points are based on the lesser of the new mortgage amount or the amount"]
[{"$nulls":3},"required to maintain the same or computed monthly payment at the new rate:"]
[{"$nulls":4},{"v":0,"d":"$0.00"},"x",{"v":0,"d":"0.00000"},"=",{"v":0,"d":"$0.00"}]
[]
[{"$nulls":3},"Add points to the buydown for the total cost:"]
[{"$nulls":4},{"$error":"#DIV/0!"},"+",{"v":0,"d":"$0.00"},"=",{"$error":"#DIV/0!"}]
[]
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["No points text",null,null,"No points are computed because the new mortgage has no points.",{"$nulls":9},"No points text",null,null,"Since there are no points on the new mortgage, no points are computed here."]
[]
[]
["Add Proration factor",null,null,"Proration factor:",{"$nulls":9},"Add Proration factor",{"$nulls":3},"Proration factor:"]
[{"$nulls":4},{"v":0,"d":"$0.00"},"/",{"v":0,"d":"$0.00"},"=",{"$error":"#DIV/0!"},{"$nulls":8},{"v":0,"d":"$0.00"},null,"/",{"v":0,"d":"$0.00"},"=",{"$error":"#DIV/0!"}]
[{"$nulls":17},"Prorate the cost:"]
[{"$nulls":3},"Apply the proration factor to the buydown:",{"$nulls":13},{"v":0,"d":"$0.00"},null,"x",{"$error":"#DIV/0!"},"=",{"$error":"#DIV/0!"}]
[{"$nulls":4},{"$error":"#DIV/0!"},"x",{"v":0,"d":"$0.00"},"=",{"$error":"#DIV/0!"}]
[]
["Shorter term",null,null,"Since the term of the new mortgage is less than the remaining term on the ",{"$nulls":9},"Shorter term",null,null,"Since the term of the new mortgage is less than the remaining term on the old"]
[{"$nulls":3},"old mortgage, cost must be based on the shorter term.  The monthly payment to",{"$nulls":12},"mortgage, cost must be based on the shorter term.  The monthly payment to"]
[{"$nulls":3},"amortize ",{"v":0,"d":"$0.00"},"over ",{"v":0,"d":"0.00"},"months at ",{"v":0,"d":"0.0000%"},"is ",{"$error":"#DIV/0!"},{"$nulls":5},"amortize ",{"v":0,"d":"$0.00"},"over ",{"v":0,"d":"0.00"},"months is ",{"$error":"#DIV/0!"},"<see line 2 above>."]

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[{"$nulls":4},"NOTE: Data may be entered only in fields with a green background"]
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[]
[null,"Mortgage Amortization Schedule"]
[]
[null,"What is the amount being mortgaged:"]
[null,"What is the annual rate of interest:"]
[null,"Amortization based on how many months:"]
[null,"Monthly payment",null,""]
[null,"Enter starting date <mm/dd/yyyy>:"]
[null,"Who is schedule for:"]
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[4,"Apr"]
[5,"May"]
[6,"Jun"]
[7,"Jul"]
[8,"Aug"]
[9,"Sep"]
[10,"Oct"]
[11,"Nov"]
[12,"Dec"]

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["Annual Interest Rate",{"v":0,"d":"0.00%"},null,null,"Schedule for:  ",0]
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[" - - - Loan Year 19 - - -"]
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