Budget 2013.xls
Comments
 Share
The version of the browser you are using is no longer supported. Please upgrade to a supported browser.Dismiss

 
$
%
123
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Still loading...
ABCDEFGHIJKLMNOP
1
Cash Flow
2
3
Property and Payment InfoIncome P/Mo Pre TaxReal Life Cash Flow
4
Mortgage$350,000.00eric$5,000.00PITI+HOA$2,156.37
5
% Down0.00%jayzell$2,700.00Debt$143.36yes
6
% on the 1st mortgage100.00%Total$7,700.00Transportation $300.00no
7
Down Payment$0Car Insurance$125.00
8
Amount Financed$350,000.00Income P/Mo After Tax Car Maintenance$300.00
9
Amount on the first$350,000.00Tax Rate25.00%Food$1,500.00
10
Term360Eric$4,000.00Phone$100.00
11
Jayzell$2,160.00Cable / Internet$200.00
12
First MortgageTotal$6,160.00Utilities$350.00
13
Loan Amount$350,000.00Gym$100.00
14
Rate4.25%Debt to IncomeClothes$50.00
15
Interest Only?noDebt$143.36Home Maintenance$300.00
16
PI Only (1st TD only)$1,721.79PITI+HOA$2,156.37Medical Insurance$0.00
17
Misc 1$0.00
18
Taxes Insurance HOADebt to Income Ratio27.49%Misc 2
19
Tax Rate1.14%* 55% is the usual thresholdMisc 3
20
Tax p/Month$332.50Misc 4
21
Insurance Req'd?yesTotal Cash Flow Out$5,624.73
22
Insurance P/Month$102.08Bank AccountTotal Cash Flow In$6,160.00
23
HOA$0.00Credits$9,397.04Net Cash Flow$535.27
24
PITI$2,156.37Debits$9,784.31
25
Increase in mortage debt service$668.08Tax Savings
26
PITI+HOA$2,156.37Net cash flow-$1,055.34Total Interest Year One$14,760.94
27
Tax Savings First Year$3,690.24
28
ReservesTax Savings p Mo First Year$307.52
29
# months PITI required reserves3
30
Total Cash Upfront$6,469.12
31
# of Months of Take-Home Income1.05
32
33
34
Statistics
35
36
FullertonMedian US Household IncomeMedian Household Income in San Antonio, TX
37
*2006 Median family income - Fullerton $62,1242006 Median US Household Income$48,2002006 Median Household Income S.A. $46,421
38
*2006 Median monthly income - Fullerton$5,177http://www.census.gov/Press-Release/www/releases/archives/income_wealth/010583.html2006 Median monthly income - S.A.$3,868
39
2006 Median Home Price Fullerton $613,000Monthly Household Income $4,016.672006 Median home sales price S.A.$164,200
40
*2006 CensusMedian Income in San Antonio
41
http://www.ocregister.com/ocregister/money/article_1834748.phpMedian Home Sales Price
42
43
44
Median SFR Home Price Q1 2009Rediculous BS from the National Association of Realtards
45
2009 USA Q1 Median SFR Home Price$169,0006/2/09 National Association of Realtards says Median income family ($60,900) can afford a $296,800 home with 20% down
46
http://online.wsj.com/article/SB124217092693512789.htmlhttp://www.realtor.org/press_room/news_releases/2009/06/phs_up
47
48
49
50
51
52
53
54
55
Loading...
 
 
 
Cash Flow
Current
Bank Account
Ammortization Table