Home data deluxe performs calculations to determine approximate monthly payment amount

Home data deluxe: Home calculator provides approximate idea of house to afford

Introduction

->>	Home Data Deluxe Program Code
->>	Make Activity Selection

Getting Started

->>	Background Selector
->>	Escape (Esc) Key
->>	Exit Program
->>	F1 Key
->>	Grid Background Selector
->>	Panel Color
->>	Print
->>	Program Display
->>	Right Mouse Button
->>	Sound
->>	Spelling Check
->>	Customize Toolbar
->>	Remove Toolbars
->>	Trial Copy Screen

Program Activity

->>	Birthyear Information
->>	Crossword Puzzles
->>	Family Names
->>	Famous Quotes
->>	Hangman
->>	Matching Games
->>	Thoughts (General and Humorous)
->>	Tic-Tac-Toe
->>	Word Scrambler

Program Function

->>	Actuarial Calculator
->>	Address Book
->>	Address Book Display
->>	Auto Data
->>	Auto Maintenance Deluxe
->>	Calculator
->>	Calendar Maker
->>	Conversions Screen
->>	Daily Journal
->>	Daily Planner
->>	Date Function
->>	Emergency Storage
->>	Family Activity Record
->>	Family Data
->>	Family Display Screen
->>	Food Guide
->>	Food Measurement Guide
->>	Home Budget
->>	Home Calculator
->>	Home Data
->>	Enter Data
->>	View Data
->>	Rollup
->>	Important Data
->>	Loan Calculator
->>	Menu Planner
->>	Password Control
->>	Password Keeper
->>	Photo Keeper
->>	Recipe File
->>	Recipe File Search
->>	Recipe Ingredient Search
->>	Shopping List Maker
->>	To Do List
->>	Video Library
->>	Warranty Information

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Home Calculator

Objective

To allow you to test different scenarios to see how much home you may qualify to purchase. This calculator gives you an approximate idea of how much house you can afford, based on your current financial situation.

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How to Use

Input Section:

Most entries are self-explanatory.

Loan Length can be either for 15 or 30 years.

If data is already entered, selecting a new Length will cause the calculator to automatically refigure the Calculation Results.

If you enter a new interest rate, when you exit the calculator it will be automatically saved for use the next time you use the calculator.

Calculation Results:

These results are for a guide only!

Your overall financial situation may dictate a higher or lower Amount of House. Hopefully, this calculator will be an aid in helping you see where you are at as far as purchasing ability.

How Home Calculator Works

The first calculation is to determine the Approximate Monthly Loan Payment, including Taxes and Insurance. Comparing three different Calculations or entries does this.

First is the housing-expense ratio, which is used to determine the Max. Total Monthly Payment, by taking the Gross Monthly Income times the Industry standard figure of .28. The second calculation is the debt-to-income ratio, which is calculated by taking the Gross Monthly Income times .36 and then subtracting the Monthly Debt. These two calculations are then compared to each other along with any entry made in the Limit on Monthly Mortgage. The SMALLEST of these calculations or entry is the Approximate Monthly Payment amount.

The next step is to subtract Monthly estimated Taxes and Insurance from the monthly payment prior to calculating the loan amount. From the cash available two costs are subtracted. First, is a down payment for the property being purchased, and second, is fees, etc. known as closing costs. Closing costs are estimated at 2% of the loan amount for this calculator. To determine the Total Amount of Home you can afford, the estimated closing costs are subtracted from the cash available, the remaining cash is then added to the maximum loan amount.

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