Listing of all debts

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6

Total Debt

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

# of Pmts
48
36
60
84
28
24
36
142
147

$216,915.80

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

$ / mth

$1,149

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$158
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82

$8,107.14
$97,285.71

1.
2.
3.
4.

Develop a budget
Cut up the credit cards
Find an extra $50 / month
Put together a "roll over plan"

Listing of all debts

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth

$1,149

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$158
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82

$8,107.14
$97,285.71

First Debt = $74.63 + $50.00 = $124.63

Month
1
2
3
4
5
6
7
8
9
10
11
12

Payment
$226.67
$226.67
$226.67
$226.67
$226.67
$168.14

15.0%
Interest
$15.60
$12.96
$10.29
$7.59
$4.85
$2.08

Principal
$211.07
$213.71
$216.38
$219.08
$221.82
$166.06

$1,248.12
Remaining Balance
$1,037.05
$823.34
$606.97
$387.88
$166.06
($0.00)

Listing of all debts

Debt
Credit Card #1

Rate
12.0%

Principal
$6,000.00

# of Pmts
48

$ / mth

Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6

$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

60
84
28
24
36
142
147

$274.37

Total Debt
Monthly Income Needed???
Annual Income Needed???

$215,915.80

$158

Real Debt
$7,584.00

$1,149

$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,802.83

$309,468.84

$280.85
$200.00
$92.72
$65.07
$582.82

$8,008.09
$96,097.03

First Debt = $74.63 + $50.00 = $124.63

Month
1
2
3
4
5
6
7
8
9
10
11
12

Payment
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$319.39
$319.39
$319.39
$319.39
$319.39
$256.49

12.0%
Interest
$22.25
$21.55
$20.84
$20.12
$19.39
$18.66
$17.92
$14.90
$11.86
$8.78
$5.68
$2.54

Principal
$70.47
$71.17
$71.88
$72.60
$73.33
$74.06
$301.47
$304.49
$307.53
$310.61
$313.71
$253.95

$2,225.28
Remaining Balance
$2,154.81
$2,083.64
$2,011.76
$1,939.15
$1,865.83
$1,791.76
$1,490.29
$1,185.81
$878.27
$567.67
$253.95
$0.00

Listing of all debts

Debt
Credit Card #1

Rate
12.0%

Principal
$6,000.00

# of Pmts
48

$ / mth

Credit Card #3
Credit Union Loan
Car Loan

11.0%
6.0%
7.0%

$12,619.08
$19,225.00
$5,200.00

60
84
28

$274.37

Medical Bill
2nd Mortgage
1st Mortgage

15.0%
9.5%
6

$1,876.97
$49,612.40
$119,412.57

36
142
147

$65.07

Total Debt
Monthly Income Needed???
Annual Income Needed???

$213,946.02

$158

$280.85
$200.00

Real Debt
$7,584.00
$16,462.20
$23,591.40
$5,600.00

$1,149

$2,342.52
$82,760.44
$168,903.00

$2,710.11

$307,243.56

$582.82

$7,743.17
$92,918.06

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$384.46
$384.46
$384.46
$384.46
$384.46
$32.32

15.0%
Interest
$29.28
$28.83
$28.38
$27.92
$27.46
$26.99
$26.51
$26.03
$25.54
$25.05
$24.55
$24.04
$23.53
$19.02
$14.45
$9.82
$5.14
$0.40

Principal
$35.79
$36.24
$36.69
$37.15
$37.61
$38.08
$38.56
$39.04
$39.53
$40.02
$40.52
$41.03
$360.93
$365.44
$370.01
$374.64
$379.32
$31.92

$2,342.52
Remaining Balance
$2,306.73
$2,270.50
$2,233.81
$2,196.66
$2,159.05
$2,120.97
$2,082.41
$2,043.37
$2,003.84
$1,963.82
$1,923.30
$1,882.27
$1,521.34
$1,155.89
$785.88
$411.24
$31.92
$0.00

Listing of all debts

Debt
Credit Card #1

Rate
12.0%

Principal
$6,000.00

# of Pmts
48

$ / mth

Credit Card #3
Credit Union Loan
Car Loan

11.0%
6.0%
7.0%

$12,619.08
$19,225.00
$5,200.00

60
84
28

$274.37

2nd Mortgage
1st Mortgage

9.5%
6

$49,612.40
$119,412.57

142
147

$582.82

Total Debt
Monthly Income Needed???
Annual Income Needed???

$212,069.05

$158

$280.85
$200.00

Real Debt
$7,584.00
$16,462.20
$23,591.40
$5,600.00

$1,149

$82,760.44
$168,903.00

$2,645.04

$304,901.04

$7,557.26
$90,687.09

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$584.46
$584.46
$584.46
$584.46
$133.59

7.0%
Interest
$32.67
$31.69
$30.71
$29.72
$28.73
$27.73
$26.72
$25.71
$24.70
$23.67
$22.65
$21.61
$20.57
$19.52
$18.47
$17.41
$16.35
$15.28
$14.20
$10.87
$7.53
$4.16
$0.77

Principal
$167.33
$168.31
$169.29
$170.28
$171.27
$172.27
$173.28
$174.29
$175.30
$176.33
$177.35
$178.39
$179.43
$180.48
$181.53
$182.59
$183.65
$184.72
$570.26
$573.59
$576.93
$580.30
$132.82

$5,600.00
Remaining Balance
$5,432.67
$5,264.36
$5,095.07
$4,924.79
$4,753.52
$4,581.24
$4,407.97
$4,233.68
$4,058.38
$3,882.05
$3,704.70
$3,526.31
$3,346.88
$3,166.40
$2,984.87
$2,802.28
$2,618.63
$2,433.91
$1,863.64
$1,290.05
$713.12
$132.82
$0.00

Listing of all debts

Debt
Credit Card #1

Rate
12.0%

Principal
$6,000.00

# of Pmts
48

$ / mth

Credit Card #3
Credit Union Loan

11.0%
6.0%

$12,619.08
$19,225.00

60
84

$274.37

2nd Mortgage
1st Mortgage

9.5%
6

$49,612.40
$119,412.57

142
147

$582.82

Total Debt
Monthly Income Needed???
Annual Income Needed???

$206,869.05

$158

$280.85

Real Debt
$7,584.00
$16,462.20
$23,591.40

$1,149

$82,760.44
$168,903.00

$2,445.04

$299,301.04

$6,985.83
$83,829.94

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$742.46
$742.46
$742.46
$742.46
$742.46
$742.46
$742.46
$515.15

12.0%
Interest
$75.84
$75.02
$74.19
$73.35
$72.50
$71.65
$70.79
$69.91
$69.03
$68.14
$67.24
$66.34
$65.42
$64.49
$63.56
$62.61
$61.66
$60.70
$59.72
$58.74
$57.75
$56.75
$55.73
$54.71
$47.83
$40.89
$33.87
$26.79
$19.63
$12.40
$5.10

Principal
$82.16
$82.98
$83.81
$84.65
$85.50
$86.35
$87.21
$88.09
$88.97
$89.86
$90.76
$91.66
$92.58
$93.51
$94.44
$95.39
$96.34
$97.30
$98.28
$99.26
$100.25
$101.25
$102.27
$687.75
$694.63
$701.57
$708.59
$715.67
$722.83
$730.06
$510.05

$7,584.00
Remaining Balance
$7,501.84
$7,418.86
$7,335.05
$7,250.40
$7,164.90
$7,078.55
$6,991.34
$6,903.25
$6,814.28
$6,724.42
$6,633.67
$6,542.01
$6,449.43
$6,355.92
$6,261.48
$6,166.09
$6,069.75
$5,972.45
$5,874.18
$5,774.92
$5,674.67
$5,573.41
$5,471.15
$4,783.40
$4,088.77
$3,387.20
$2,678.61
$1,962.94
$1,240.11
$510.05
$0.00

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

Listing of all debts

Debt

Rate

Principal

# of Pmts

$ / mth

Real Debt

Credit Card #3
Credit Union Loan

11.0%
6.0%

$12,619.08
$19,225.00

60
84

$274.37

$16,462.20
$23,591.40

2nd Mortgage
1st Mortgage

9.5%
6

$49,612.40
$119,412.57

142
147

$582.82

Total Debt
Monthly Income Needed???
Annual Income Needed???

$200,869.05

$280.85

$1,149

$82,760.44
$168,903.00

$2,287.04

$291,717.04

$6,534.40
$78,412.80

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$1,016.83
$1,016.83
$1,016.83
$1,016.83
$1,016.83
$1,016.83
$1,016.83
$1,016.83

11.0%
Interest
$150.90
$149.77
$148.63
$147.48
$146.31
$145.14
$143.96
$142.76
$141.55
$140.34
$139.11
$137.87
$136.62
$135.35
$134.08
$132.79
$131.50
$130.19
$128.86
$127.53
$126.18
$124.83
$123.45
$122.07
$120.68
$119.27
$117.84
$116.41
$114.96
$113.50
$112.03
$110.54
$102.23
$93.85
$85.39
$76.85
$68.23
$59.54
$50.76

Principal
$123.47
$124.60
$125.74
$126.89
$128.06
$129.23
$130.41
$131.61
$132.82
$134.03
$135.26
$136.50
$137.75
$139.02
$140.29
$141.58
$142.87
$144.18
$145.51
$146.84
$148.19
$149.54
$150.92
$152.30
$153.69
$155.10
$156.53
$157.96
$159.41
$160.87
$162.34
$906.29
$914.60
$922.98
$931.44
$939.98
$948.60
$957.29
$966.07

$16,462.20
Remaining Balance
$16,338.73
$16,214.14
$16,088.39
$15,961.50
$15,833.45
$15,704.22
$15,573.80
$15,442.19
$15,309.37
$15,175.34
$15,040.08
$14,903.57
$14,765.82
$14,626.80
$14,486.51
$14,344.94
$14,202.06
$14,057.88
$13,912.37
$13,765.53
$13,617.34
$13,467.80
$13,316.89
$13,164.59
$13,010.89
$12,855.79
$12,699.26
$12,541.30
$12,381.90
$12,221.03
$12,058.68
$11,152.39
$10,237.79
$9,314.81
$8,383.36
$7,443.38
$6,494.78
$5,537.49
$4,571.42

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

$1,016.83
$1,016.83
$1,016.83
$1,016.83
$623.43

$41.90
$32.97
$23.95
$14.85
$5.66

$974.93
$983.86
$992.88
$1,001.98
$617.77

$3,596.49
$2,612.63
$1,619.75
$617.77
($0.00)

83
84
85

Listing of all debts

Debt

Rate

Principal

# of Pmts

$ / mth

Real Debt

Credit Union Loan

6.0%

$19,225.00

84

$280.85

$23,591.40

2nd Mortgage
1st Mortgage

9.5%
6

$49,612.40
$119,412.57

142
147

$582.82
$1,149

$82,760.44
$168,903.00

$2,012.67

$275,254.84

Total Debt
Monthly Income Needed???
Annual Income Needed???

$188,249.97

$5,750.49
$69,005.83

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85

6.0%
Interest
$117.96
$117.14
$116.32
$115.50
$114.67
$113.84
$113.01
$112.17
$111.33
$110.48
$109.63
$108.77
$107.91
$107.05
$106.18
$105.30
$104.43
$103.54
$102.66
$101.77
$100.87
$99.97
$99.07
$98.16
$97.24
$96.33
$95.40
$94.48
$93.54
$92.61
$91.67
$90.72
$89.77
$88.81
$87.85
$86.89
$85.92
$84.94
$83.96

Principal
$162.89
$163.71
$164.53
$165.35
$166.18
$167.01
$167.84
$168.68
$169.52
$170.37
$171.22
$172.08
$172.94
$173.80
$174.67
$175.55
$176.42
$177.31
$178.19
$179.08
$179.98
$180.88
$181.78
$182.69
$183.61
$184.52
$185.45
$186.37
$187.31
$188.24
$189.18
$190.13
$191.08
$192.04
$193.00
$193.96
$194.93
$195.91
$196.89

$23,591.40
Remaining Balance
$23,428.51
$23,264.80
$23,100.27
$22,934.92
$22,768.75
$22,601.74
$22,433.90
$22,265.22
$22,095.70
$21,925.33
$21,754.10
$21,582.02
$21,409.08
$21,235.28
$21,060.61
$20,885.06
$20,708.63
$20,531.33
$20,353.13
$20,174.05
$19,994.07
$19,813.19
$19,631.41
$19,448.71
$19,265.11
$19,080.58
$18,895.13
$18,708.76
$18,521.45
$18,333.21
$18,144.03
$17,953.90
$17,762.82
$17,570.78
$17,377.78
$17,183.82
$16,988.89
$16,792.99
$16,596.10

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

$280.85
$280.85
$280.85
$280.85
$280.85
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$1,297.68
$553.93

$82.98
$81.99
$81.00
$80.00
$78.99
$77.98
$71.89
$65.76
$59.60
$53.41
$47.19
$40.93
$34.65
$28.33
$21.99
$15.61
$9.20
$2.76

$197.87
$198.86
$199.85
$200.85
$201.86
$1,219.70
$1,225.79
$1,231.92
$1,238.08
$1,244.27
$1,250.49
$1,256.75
$1,263.03
$1,269.35
$1,275.69
$1,282.07
$1,288.48
$551.17

$16,398.23
$16,199.37
$15,999.52
$15,798.67
$15,596.81
$14,377.12
$13,151.32
$11,919.40
$10,681.32
$9,437.04
$8,186.55
$6,929.80
$5,666.77
$4,397.42
$3,121.73
$1,839.66
$551.18
$0.00

83
84
85

Listing of all debts

Debt

Rate

Principal

# of Pmts

$ / mth

Real Debt

2nd Mortgage
1st Mortgage

9.5%
6

$49,612.40
$119,412.57

142
147

$582.82
$1,149

$82,760.44
$168,903.00

$1,731.82

$251,663.44

Total Debt
Monthly Income Needed???
Annual Income Needed???

$169,024.97

$4,948.06
$59,376.69

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82

9.5%
Interest
$655.19
$655.76
$656.34
$656.92
$657.51
$658.10
$658.69
$659.29
$659.90
$660.51
$661.12
$661.74
$662.37
$663.00
$663.63
$664.27
$664.92
$665.57
$666.22
$666.88
$667.55
$668.22
$668.90
$669.58
$670.26
$670.96
$671.65
$672.36
$673.07
$673.78
$674.50
$675.23
$675.96
$676.70
$677.44
$678.19
$678.94
$679.70
$680.47

Principal
($72.37)
($72.94)
($73.52)
($74.10)
($74.69)
($75.28)
($75.87)
($76.47)
($77.08)
($77.69)
($78.30)
($78.92)
($79.55)
($80.18)
($80.81)
($81.45)
($82.10)
($82.75)
($83.40)
($84.06)
($84.73)
($85.40)
($86.08)
($86.76)
($87.44)
($88.14)
($88.83)
($89.54)
($90.25)
($90.96)
($91.68)
($92.41)
($93.14)
($93.88)
($94.62)
($95.37)
($96.12)
($96.88)
($97.65)

$82,760.44
Remaining Balance
$82,832.81
$82,905.75
$82,979.26
$83,053.36
$83,128.05
$83,203.33
$83,279.20
$83,355.67
$83,432.75
$83,510.44
$83,588.75
$83,667.67
$83,747.22
$83,827.40
$83,908.21
$83,989.66
$84,071.76
$84,154.51
$84,237.91
$84,321.98
$84,406.71
$84,492.11
$84,578.18
$84,664.94
$84,752.38
$84,840.52
$84,929.35
$85,018.89
$85,109.14
$85,200.10
$85,291.78
$85,384.19
$85,477.32
$85,571.20
$85,665.82
$85,761.19
$85,857.31
$85,954.19
$86,051.84

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

$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50

$681.24
$682.02
$682.81
$683.60
$684.40
$685.20
$686.01
$686.83
$687.65
$688.48
$689.32
$690.16
$691.01
$691.87
$692.73
$693.60
$694.48
$695.36
$696.25
$686.88
$677.43
$667.90
$658.31
$648.63
$638.88
$629.05
$619.14
$609.15
$599.09
$588.95
$578.72
$568.41
$558.03
$547.56
$537.01
$526.37
$515.65
$504.84
$493.95
$482.98
$471.91
$460.76
$449.52

($98.42)
($99.20)
($99.99)
($100.78)
($101.58)
($102.38)
($103.19)
($104.01)
($104.83)
($105.66)
($106.50)
($107.34)
($108.19)
($109.05)
($109.91)
($110.78)
($111.66)
($112.54)
$1,184.25
$1,193.62
$1,203.07
$1,212.60
$1,222.19
$1,231.87
$1,241.62
$1,251.45
$1,261.36
$1,271.35
$1,281.41
$1,291.55
$1,301.78
$1,312.09
$1,322.47
$1,332.94
$1,343.49
$1,354.13
$1,364.85
$1,375.66
$1,386.55
$1,397.52
$1,408.59
$1,419.74
$1,430.98

$86,150.27
$86,249.47
$86,349.46
$86,450.24
$86,551.81
$86,654.20
$86,757.39
$86,861.40
$86,966.23
$87,071.89
$87,178.39
$87,285.74
$87,393.93
$87,502.98
$87,612.89
$87,723.67
$87,835.33
$87,947.87
$86,763.63
$85,570.00
$84,366.93
$83,154.34
$81,932.14
$80,700.27
$79,458.65
$78,207.20
$76,945.84
$75,674.49
$74,393.08
$73,101.53
$71,799.75
$70,487.66
$69,165.19
$67,832.25
$66,488.75
$65,134.62
$63,769.77
$62,394.12
$61,007.57
$59,610.05
$58,201.46
$56,781.72
$55,350.74

83
84
85
86
87
88
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

$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,880.50
$1,211.43

$438.19
$426.78
$415.27
$403.67
$391.98
$380.19
$368.31
$356.34
$344.28
$332.11
$319.86
$307.50
$295.05
$282.50
$269.85
$257.09
$244.24
$231.29
$218.23
$205.07
$191.81
$178.44
$164.97
$151.38
$137.70
$123.90
$109.99
$95.98
$81.85
$67.61
$53.26
$38.79
$24.21
$9.52

$1,442.31
$1,453.72
$1,465.23
$1,476.83
$1,488.52
$1,500.31
$1,512.19
$1,524.16
$1,536.22
$1,548.39
$1,560.64
$1,573.00
$1,585.45
$1,598.00
$1,610.65
$1,623.41
$1,636.26
$1,649.21
$1,662.27
$1,675.43
$1,688.69
$1,702.06
$1,715.53
$1,729.12
$1,742.80
$1,756.60
$1,770.51
$1,784.52
$1,798.65
$1,812.89
$1,827.24
$1,841.71
$1,856.29
$1,201.91

$53,908.44
$52,454.71
$50,989.48
$49,512.64
$48,024.12
$46,523.81
$45,011.62
$43,487.47
$41,951.24
$40,402.86
$38,842.21
$37,269.21
$35,683.76
$34,085.76
$32,475.10
$30,851.70
$29,215.44
$27,566.23
$25,903.96
$24,228.53
$22,539.84
$20,837.78
$19,122.25
$17,393.13
$15,650.33
$13,893.73
$12,123.22
$10,338.69
$8,540.04
$6,727.15
$4,899.91
$3,058.20
$1,201.91
($0.00)

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

Listing of all debts

Debt

1st Mortgage

Rate

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal

# of Pmts

$ / mth

Real Debt

$119,412.57

147

$1,149

$168,903.00

$1,149.00

$168,903.00

$119,412.57

$3,282.86
$39,394.29

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

6.0%
Interest
$844.52
$842.99
$841.46
$839.92
$838.38
$836.83
$835.27
$833.70
$832.12
$830.54
$828.94
$827.34
$825.74
$824.12
$822.49
$820.86
$819.22
$817.57
$815.92
$814.25
$812.58
$810.89
$809.20
$807.50
$805.80
$804.08
$802.36
$800.62
$798.88
$797.13
$795.37
$793.60
$791.83
$790.04
$788.25
$786.44
$784.63
$782.81
$780.98

Principal
$304.49
$306.01
$307.54
$309.08
$310.62
$312.17
$313.73
$315.30
$316.88
$318.46
$320.06
$321.66
$323.26
$324.88
$326.51
$328.14
$329.78
$331.43
$333.08
$334.75
$336.42
$338.11
$339.80
$341.50
$343.20
$344.92
$346.64
$348.38
$350.12
$351.87
$353.63
$355.40
$357.17
$358.96
$360.75
$362.56
$364.37
$366.19
$368.02

$168,903.00
Remaining Balance
$168,598.52
$168,292.51
$167,984.97
$167,675.89
$167,365.27
$167,053.10
$166,739.37
$166,424.06
$166,107.18
$165,788.72
$165,468.66
$165,147.01
$164,823.74
$164,498.86
$164,172.35
$163,844.22
$163,514.44
$163,183.01
$162,849.92
$162,515.17
$162,178.75
$161,840.64
$161,500.85
$161,159.35
$160,816.15
$160,471.23
$160,124.58
$159,776.21
$159,426.09
$159,074.22
$158,720.59
$158,365.19
$158,008.02
$157,649.06
$157,288.30
$156,925.75
$156,561.37
$156,195.18
$155,827.16

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

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

$779.14
$777.29
$775.43
$773.56
$771.68
$769.80
$767.90
$765.99
$764.08
$762.16
$760.22
$758.28
$756.32
$754.36
$752.39
$750.40
$748.41
$746.41
$744.39
$742.37
$740.34
$738.30
$736.24
$734.18
$732.10
$730.02
$727.92
$725.82
$723.70
$721.58
$719.44
$717.29
$715.13
$712.96
$710.78
$708.59
$706.39
$704.18
$701.95
$699.72
$697.47
$695.21
$692.95

$369.86
$371.71
$373.57
$375.44
$377.32
$379.20
$381.10
$383.01
$384.92
$386.84
$388.78
$390.72
$392.68
$394.64
$396.61
$398.60
$400.59
$402.59
$404.61
$406.63
$408.66
$410.70
$412.76
$414.82
$416.90
$418.98
$421.08
$423.18
$425.30
$427.42
$429.56
$431.71
$433.87
$436.04
$438.22
$440.41
$442.61
$444.82
$447.05
$449.28
$451.53
$453.79
$456.05

$155,457.29
$155,085.58
$154,712.01
$154,336.57
$153,959.25
$153,580.05
$153,198.95
$152,815.94
$152,431.02
$152,044.18
$151,655.40
$151,264.67
$150,872.00
$150,477.36
$150,080.74
$149,682.15
$149,281.56
$148,878.97
$148,474.36
$148,067.73
$147,659.07
$147,248.37
$146,835.61
$146,420.79
$146,003.89
$145,584.91
$145,163.84
$144,740.65
$144,315.36
$143,887.93
$143,458.37
$143,026.67
$142,592.80
$142,156.76
$141,718.55
$141,278.14
$140,835.53
$140,390.71
$139,943.66
$139,494.38
$139,042.85
$138,589.07
$138,133.01

83
84
85
86
87
88
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

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50

$690.67
$688.37
$686.07
$683.76
$681.43
$679.09
$676.74
$674.38
$672.01
$669.62
$667.23
$664.82
$662.40
$659.96
$657.52
$655.06
$652.59
$650.11
$647.61
$645.11
$642.59
$640.06
$637.51
$634.95
$632.38
$629.80
$627.20
$624.60
$621.97
$619.34
$616.69
$614.03
$611.35
$608.67
$605.96
$593.85
$581.67
$569.43
$557.13
$544.77
$532.34
$519.86
$507.31

$458.33
$460.63
$462.93
$465.24
$467.57
$469.91
$472.26
$474.62
$476.99
$479.38
$481.77
$484.18
$486.60
$489.04
$491.48
$493.94
$496.41
$498.89
$501.39
$503.89
$506.41
$508.94
$511.49
$514.05
$516.62
$519.20
$521.80
$524.40
$527.03
$529.66
$532.31
$534.97
$537.65
$540.33
$2,423.54
$2,435.65
$2,447.83
$2,460.07
$2,472.37
$2,484.73
$2,497.16
$2,509.64
$2,522.19

$137,674.68
$137,214.05
$136,751.12
$136,285.88
$135,818.31
$135,348.40
$134,876.14
$134,401.52
$133,924.53
$133,445.15
$132,963.38
$132,479.19
$131,992.59
$131,503.55
$131,012.07
$130,518.13
$130,021.72
$129,522.83
$129,021.44
$128,517.55
$128,011.14
$127,502.19
$126,990.70
$126,476.66
$125,960.04
$125,440.84
$124,919.05
$124,394.64
$123,867.61
$123,337.95
$122,805.64
$122,270.67
$121,733.02
$121,192.69
$118,769.15
$116,333.50
$113,885.67
$111,425.59
$108,953.22
$106,468.49
$103,971.33
$101,461.69
$98,939.50

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
156
157
158
159
160
161
13.41666667

$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$2,259.74

$494.70
$482.02
$469.29
$456.49
$443.62
$430.69
$417.70
$404.64
$391.51
$378.32
$365.07
$351.75
$338.36
$324.90
$311.38
$297.79
$284.13
$270.40
$256.61
$242.74
$228.81
$214.80
$200.73
$186.59
$172.37
$158.09
$143.73
$129.30
$114.80
$100.23
$85.58
$70.86
$56.07
$41.20
$26.26
$11.24

$2,534.80
$2,547.48
$2,560.21
$2,573.01
$2,585.88
$2,598.81
$2,611.80
$2,624.86
$2,637.99
$2,651.18
$2,664.43
$2,677.75
$2,691.14
$2,704.60
$2,718.12
$2,731.71
$2,745.37
$2,759.10
$2,772.89
$2,786.76
$2,800.69
$2,814.70
$2,828.77
$2,842.91
$2,857.13
$2,871.41
$2,885.77
$2,900.20
$2,914.70
$2,929.27
$2,943.92
$2,958.64
$2,973.43
$2,988.30
$3,003.24
$2,248.50

$96,404.69
$93,857.22
$91,297.00
$88,723.99
$86,138.11
$83,539.30
$80,927.49
$78,302.63
$75,664.65
$73,013.47
$70,349.04
$67,671.28
$64,980.14
$62,275.54
$59,557.42
$56,825.70
$54,080.33
$51,321.23
$48,548.34
$45,761.58
$42,960.89
$40,146.19
$37,317.42
$34,474.51
$31,617.38
$28,745.97
$25,860.20
$22,960.00
$20,045.30
$17,116.03
$14,172.11
$11,213.47
$8,240.04
$5,251.74
$2,248.49
($0.00)

Listing of all debts

Debt

1st Mortgage

Rate

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal

# of Pmts

$ / mth

Real Debt

$119,412.57

147

$1,149

$168,903.00

$1,149.00

$168,903.00

$119,412.57

$3,282.86
$39,394.29

First Debt = $74.63 + $50.00 = $124.63

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

Payment
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

6.0%
Interest
$844.52
$842.99
$841.46
$839.92
$838.38
$836.83
$835.27
$833.70
$832.12
$830.54
$828.94
$827.34
$825.74
$824.12
$822.49
$820.86
$819.22
$817.57
$815.92
$814.25
$812.58
$810.89
$809.20
$807.50
$805.80
$804.08
$802.36
$800.62
$798.88
$797.13
$795.37
$793.60
$791.83
$790.04
$788.25
$786.44
$784.63
$782.81
$780.98

Principal
$304.49
$306.01
$307.54
$309.08
$310.62
$312.17
$313.73
$315.30
$316.88
$318.46
$320.06
$321.66
$323.26
$324.88
$326.51
$328.14
$329.78
$331.43
$333.08
$334.75
$336.42
$338.11
$339.80
$341.50
$343.20
$344.92
$346.64
$348.38
$350.12
$351.87
$353.63
$355.40
$357.17
$358.96
$360.75
$362.56
$364.37
$366.19
$368.02

$168,903.00
Remaining Balance
$168,598.52
$168,292.51
$167,984.97
$167,675.89
$167,365.27
$167,053.10
$166,739.37
$166,424.06
$166,107.18
$165,788.72
$165,468.66
$165,147.01
$164,823.74
$164,498.86
$164,172.35
$163,844.22
$163,514.44
$163,183.01
$162,849.92
$162,515.17
$162,178.75
$161,840.64
$161,500.85
$161,159.35
$160,816.15
$160,471.23
$160,124.58
$159,776.21
$159,426.09
$159,074.22
$158,720.59
$158,365.19
$158,008.02
$157,649.06
$157,288.30
$156,925.75
$156,561.37
$156,195.18
$155,827.16

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

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

$779.14
$777.29
$775.43
$773.56
$771.68
$769.80
$767.90
$765.99
$764.08
$762.16
$760.22
$758.28
$756.32
$754.36
$752.39
$750.40
$748.41
$746.41
$744.39
$742.37
$740.34
$738.30
$736.24
$734.18
$732.10
$730.02
$727.92
$725.82
$723.70
$721.58
$719.44
$717.29
$715.13
$712.96
$710.78
$708.59
$706.39
$704.18
$701.95
$699.72
$697.47
$695.21
$692.95

$369.86
$371.71
$373.57
$375.44
$377.32
$379.20
$381.10
$383.01
$384.92
$386.84
$388.78
$390.72
$392.68
$394.64
$396.61
$398.60
$400.59
$402.59
$404.61
$406.63
$408.66
$410.70
$412.76
$414.82
$416.90
$418.98
$421.08
$423.18
$425.30
$427.42
$429.56
$431.71
$433.87
$436.04
$438.22
$440.41
$442.61
$444.82
$447.05
$449.28
$451.53
$453.79
$456.05

$155,457.29
$155,085.58
$154,712.01
$154,336.57
$153,959.25
$153,580.05
$153,198.95
$152,815.94
$152,431.02
$152,044.18
$151,655.40
$151,264.67
$150,872.00
$150,477.36
$150,080.74
$149,682.15
$149,281.56
$148,878.97
$148,474.36
$148,067.73
$147,659.07
$147,248.37
$146,835.61
$146,420.79
$146,003.89
$145,584.91
$145,163.84
$144,740.65
$144,315.36
$143,887.93
$143,458.37
$143,026.67
$142,592.80
$142,156.76
$141,718.55
$141,278.14
$140,835.53
$140,390.71
$139,943.66
$139,494.38
$139,042.85
$138,589.07
$138,133.01

83
84
85
86
87
88
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

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50

$690.67
$688.37
$686.07
$683.76
$681.43
$679.09
$676.74
$674.38
$672.01
$669.62
$667.23
$664.82
$662.40
$659.96
$657.52
$655.06
$652.59
$650.11
$647.61
$645.11
$642.59
$640.06
$637.51
$634.95
$632.38
$629.80
$627.20
$624.60
$621.97
$619.34
$616.69
$614.03
$611.35
$608.67
$605.96
$593.85
$581.67
$569.43
$557.13
$544.77
$532.34
$519.86
$507.31

$458.33
$460.63
$462.93
$465.24
$467.57
$469.91
$472.26
$474.62
$476.99
$479.38
$481.77
$484.18
$486.60
$489.04
$491.48
$493.94
$496.41
$498.89
$501.39
$503.89
$506.41
$508.94
$511.49
$514.05
$516.62
$519.20
$521.80
$524.40
$527.03
$529.66
$532.31
$534.97
$537.65
$540.33
$2,423.54
$2,435.65
$2,447.83
$2,460.07
$2,472.37
$2,484.73
$2,497.16
$2,509.64
$2,522.19

$137,674.68
$137,214.05
$136,751.12
$136,285.88
$135,818.31
$135,348.40
$134,876.14
$134,401.52
$133,924.53
$133,445.15
$132,963.38
$132,479.19
$131,992.59
$131,503.55
$131,012.07
$130,518.13
$130,021.72
$129,522.83
$129,021.44
$128,517.55
$128,011.14
$127,502.19
$126,990.70
$126,476.66
$125,960.04
$125,440.84
$124,919.05
$124,394.64
$123,867.61
$123,337.95
$122,805.64
$122,270.67
$121,733.02
$121,192.69
$118,769.15
$116,333.50
$113,885.67
$111,425.59
$108,953.22
$106,468.49
$103,971.33
$101,461.69
$98,939.50

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
156
157
158
159
160
161
13.41666667

$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$3,029.50
$2,259.74

$494.70
$482.02
$469.29
$456.49
$443.62
$430.69
$417.70
$404.64
$391.51
$378.32
$365.07
$351.75
$338.36
$324.90
$311.38
$297.79
$284.13
$270.40
$256.61
$242.74
$228.81
$214.80
$200.73
$186.59
$172.37
$158.09
$143.73
$129.30
$114.80
$100.23
$85.58
$70.86
$56.07
$41.20
$26.26
$11.24

$2,534.80
$2,547.48
$2,560.21
$2,573.01
$2,585.88
$2,598.81
$2,611.80
$2,624.86
$2,637.99
$2,651.18
$2,664.43
$2,677.75
$2,691.14
$2,704.60
$2,718.12
$2,731.71
$2,745.37
$2,759.10
$2,772.89
$2,786.76
$2,800.69
$2,814.70
$2,828.77
$2,842.91
$2,857.13
$2,871.41
$2,885.77
$2,900.20
$2,914.70
$2,929.27
$2,943.92
$2,958.64
$2,973.43
$2,988.30
$3,003.24
$2,248.50

$96,404.69
$93,857.22
$91,297.00
$88,723.99
$86,138.11
$83,539.30
$80,927.49
$78,302.63
$75,664.65
$73,013.47
$70,349.04
$67,671.28
$64,980.14
$62,275.54
$59,557.42
$56,825.70
$54,080.33
$51,321.23
$48,548.34
$45,761.58
$42,960.89
$40,146.19
$37,317.42
$34,474.51
$31,617.38
$28,745.97
$25,860.20
$22,960.00
$20,045.30
$17,116.03
$14,172.11
$11,213.47
$8,240.04
$5,251.74
$2,248.49
($0.00)