Ken's Talk Homebuyer Helper in Excel

8/14/2019 Ken's Talk Homebuyer Helper in Excel

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Ken's Talk Homebuyer HelperInterest Rate Estimated Taxes Per Yr

$220,000 5.290% $1,899.00 4,500.00

Nitty Gritty Stats [ Title of Sample Loan ]$130,499 Paid in Interest

19.1 Years to Payoff

$86,250 Taxes Paid

$436,749 Total All Payments

Payment Schedule

Due Date Principal Balance Interest $ going to Principal12/1/09 220,000.00 969.83 554.17

# 1/1/10 219,445.83 967.39 556.61# 2/1/10 218,889.22 964.94 559.06# 3/1/10 218,330.16 962.47 561.53# 4/1/10 217,768.63 960.00 564.00# 5/1/10 217,204.63 957.51 566.49# 6/1/10 216,638.14 955.01 568.99# 7/1/10 216,069.15 952.50 571.50# 8/1/10 215,497.66 949.99 574.01# 9/1/10 214,923.64 947.46 576.54# 10/1/10 214,347.10 944.91 579.09# 11/1/10 213,768.01 942.36 581.64# 12/1/10 213,186.37 939.80 584.20# 1/1/11 212,602.17 937.22 586.78# 2/1/11 212,015.39 934.63 589.37# 3/1/11 211,426.02 932.04 591.96# 4/1/11 210,834.06 929.43 594.57# 5/1/11 210,239.49 926.81 597.19# 6/1/11 209,642.29 924.17 599.83# 7/1/11 209,042.47 921.53 602.47# 8/1/11 208,440.00 918.87 605.13# 9/1/11 207,834.87 916.21 607.79

# 10/1/11 207,227.07 913.53 610.47# 11/1/11 206,616.60 910.83 613.17# 12/1/11 206,003.43 908.13 615.87# 1/1/12 205,387.57 905.42 618.58# 2/1/12 204,768.98 902.69 621.31# 3/1/12 204,147.67 899.95 624.05# 4/1/12 203,523.62 897.20 626.80# 5/1/12 202,896.82 894.44 629.56

Current MortgageAmount $

MonthlyPayment

# 6/1/16 168,547.14 743.01 780.99# 7/1/16 167,766.15 739.57 784.43# 8/1/16 166,981.72 736.11 787.89# 9/1/16 166,193.83 732.64 791.36# 10/1/16 165,402.47 729.15 794.85# 11/1/16 164,607.62 725.65 798.35# 12/1/16 163,809.27 722.13 801.87# 1/1/17 163,007.39 718.59 805.41# 2/1/17 162,201.98 715.04 808.96# 3/1/17 161,393.02 711.47 812.53# 4/1/17 160,580.50 707.89 816.11# 5/1/17 159,764.39 704.29 819.71# 6/1/17 158,944.69 700.68 823.32# 7/1/17 158,121.37 697.05 826.95# 8/1/17 157,294.42 693.41 830.59# 9/1/17 156,463.82 689.74 834.26# 10/1/17 155,629.57 686.07 837.93

# 11/1/17 154,791.64 682.37 841.63# 12/1/17 153,950.01 678.66 845.34# 1/1/18 153,104.67 674.94 849.06# 2/1/18 152,255.61 671.19 852.81# 3/1/18 151,402.80 667.43 856.57# 4/1/18 150,546.24 663.66 860.34# 5/1/18 149,685.89 659.87 864.13# 6/1/18 148,821.76 656.06 867.94# 7/1/18 147,953.82 652.23 871.77# 8/1/18 147,082.05 648.39 875.61# 9/1/18 146,206.43 644.53 879.47

# 10/1/18 145,326.96 640.65 883.35# 11/1/18 144,443.61 636.76 887.24# 12/1/18 143,556.36 632.84 891.16# 1/1/19 142,665.21 628.92 895.08# 2/1/19 141,770.12 624.97 899.03# 3/1/19 140,871.09 621.01 902.99# 4/1/19 139,968.10 617.03 906.97# 5/1/19 139,061.13 613.03 910.97# 6/1/19 138,150.15 609.01 914.99# 7/1/19 137,235.17 604.98 919.02# 8/1/19 136,316.15 600.93 923.07# 9/1/19 135,393.07 596.86 927.14# 10/1/19 134,465.93 592.77 931.23# 11/1/19 133,534.70 588.67 935.33# 12/1/19 132,599.37 584.54 939.46# 1/1/20 131,659.91 580.40 943.60# 2/1/20 130,716.31 576.24 947.76# 3/1/20 129,768.55 572.06 951.94# 4/1/20 128,816.61 567.87 956.13# 5/1/20 127,860.48 563.65 960.35

# 6/1/24 75,462.78 332.67 1,191.33# 7/1/24 74,271.45 327.41 1,196.59# 8/1/24 73,074.86 322.14 1,201.86# 9/1/24 71,873.00 316.84 1,207.16# 10/1/24 70,665.84 311.52 1,212.48# 11/1/24 69,453.36 306.17 1,217.83# 12/1/24 68,235.53 300.80 1,223.20# 1/1/25 67,012.33 295.41 1,228.59# 2/1/25 65,783.75 290.00 1,234.00# 3/1/25 64,549.74 284.56 1,239.44# 4/1/25 63,310.30 279.09 1,244.91# 5/1/25 62,065.39 273.60 1,250.40# 6/1/25 60,815.00 268.09 1,255.91# 7/1/25 59,559.09 262.56 1,261.44# 8/1/25 58,297.65 257.00 1,267.00# 9/1/25 57,030.64 251.41 1,272.59# 10/1/25 55,758.05 245.80 1,278.20

# 11/1/25 54,479.85 240.17 1,283.83# 12/1/25 53,196.02 234.51 1,289.49# 1/1/26 51,906.52 228.82 1,295.18# 2/1/26 50,611.35 223.11 1,300.89# 3/1/26 49,310.46 217.38 1,306.62# 4/1/26 48,003.83 211.62 1,312.38# 5/1/26 46,691.45 205.83 1,318.17# 6/1/26 45,373.28 200.02 1,323.98# 7/1/26 44,049.30 194.18 1,329.82# 8/1/26 42,719.49 188.32 1,335.68# 9/1/26 41,383.81 182.43 1,341.57

# 10/1/26 40,042.24 176.52 1,347.48# 11/1/26 38,694.76 170.58 1,353.42# 12/1/26 37,341.34 164.61 1,359.39# 1/1/27 35,981.95 158.62 1,365.38# 2/1/27 34,616.57 152.60 1,371.40# 3/1/27 33,245.18 146.56 1,377.44# 4/1/27 31,867.73 140.48 1,383.52# 5/1/27 30,484.22 134.38 1,389.62# 6/1/27 29,094.60 128.26 1,395.74# 7/1/27 27,698.86 122.11 1,401.89# 8/1/27 26,296.96 115.93 1,408.07# 9/1/27 24,888.89 109.72 1,414.28# 10/1/27 23,474.61 103.48 1,420.52# 11/1/27 22,054.09 97.22 1,426.78# 12/1/27 20,627.31 90.93 1,433.07# 1/1/28 19,194.25 84.61 1,439.39# 2/1/28 17,754.86 78.27 1,445.73# 3/1/28 16,309.13 71.90 1,452.10# 4/1/28 14,857.03 65.49 1,458.51# 5/1/28 13,398.52 59.07 1,464.93

# 6/1/28 11,933.59 52.61 1,471.39# 7/1/28 10,462.19 46.12 1,477.88# 8/1/28 8,984.31 39.61 1,484.39# 9/1/28 7,499.92 33.06 1,490.94# 10/1/28 6,008.98 26.49 1,497.51# 11/1/28 4,511.47 19.89 1,504.11# 12/1/28 3,007.36 13.26 1,510.74# 1/1/29 1,496.62 6.60 1,496.62# 2/1/29 - - -# 3/1/29 - - -# 4/1/29 - - -# 5/1/29 - - -# 6/1/29 - - -# 7/1/29 - - -# 8/1/29 - - -# 9/1/29 - - -# 10/1/29 - - -

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Comparison$(130,499) Interest Saved

(19.1) Years Saved

$(436,749) Total Cash Saved

Payment Due Taxes Due1,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.00

1,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.00

Payment

1,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.00

1,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.00

1,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.001,899.00 375.00 1,899.00