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Steve
Brand
Northpointe Bank
7700 Hudson Rd
Suite 500
Woodbury, MN
612-386-5306
www.StevenBrandHomeLoans.com
Steve@StevenBrandHomeLoans.com
Housing Payment with Net Cost Analysis
Down Payment
Loan Amount
Total Payment
Sales
Price
Down
Payment
Loan
Term
Interest
Rate
Annual
R.E.Taxes
Annual
Insurance
MI/PMI
Factor
Condo
Coop/HOA
OPEN SLIDE CONTROLS
CLOSE SLIDE CONTROLS
NET PAYMENT COST
Adjust your Marginal Tax Bracket
Tax Savings on Mortgage Interest
Tax Savings on Real Estate Taxes
Tax Savings on Condo/Coop or other Monthly Fee @
0
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
55%
60%
65%
70%
75%
80%
85%
90%
95%
100%
Adjust the expected rate of Appreciation
Lookup Average Appreciation by State since 1975:
AK 4.48
AL 3.93
AZ 3.88
CA 6.85
CO 5.35
CT 5.63
DC 7.35
DE 4.81
FL 4.17
GA 3.73
HI 6.49
IA 3.96
ID 4.18
IL 4.56
IN 3.92
KS 3.79
KY 4.18
LA 4.39
MA 6.63
MD 5.53
ME 5.56
MI 4.00
MN 4.88
MO 4.06
MS 3.47
MT 5.29
NC 4.33
ND 4.21
NE 3.94
NH 5.58
NJ 6.09
NM 4.74
NV 4.04
NY 5.92
OH 3.80
OK 3.95
OR 5.70
PA 4.78
RI 5.96
SC 4.21
SD 4.26
TN 4.12
TX 3.94
UT 4.97
VA 5.19
VT 5.25
WA 6.31
WI 4.45
WV 3.50
WY 4.98
Total Payment
-
Principal Paid
-
Tax Savings
-
Average Appreciation
=
Net Payment
Principal and interest amounts are based on the first year of the loan. Principal paid will rise and interest costs will decline over time
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