<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">

<head><script Language='JavaScript'>
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Mortgage Payment Calculator w/Amortization V1.1
//2003 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 08/28/2003
//Last Modified: 10/26/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:7579-1662-107-1580
//Commercial Licence Date:2013-07-13
//*******************************************



function computeMonthlyPayment(prin, numPmts, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
     intRate = intRate / 100.0 / 12;

   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}




function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function fns(num, places, comma, type, show) {

    var sym_1 = "$";
    var sym_2 = ""; 

    var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       if(type == 1 && show == 1) {
          finNum = "-" + sym_1 + "" + finNum + "" + sym_2;
       } else {
          finNum = "-" + finNum;
       }
    } else {
       if(show == 1) {
          if(type == 1) {
             finNum = sym_1 + "" + finNum + "" + sym_2;
          } else
          if(type == 2) {
             finNum = finNum + "%";
          }

       }

    }

	return finNum;
}


function computeForm(form) {

   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var VpmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(VpmtAmt) + Number(VotherPmts);

      document.calc.monthlyPI.value = fns(VpmtAmt,2,1,1,1);
      document.calc.otherPmts.value = fns(VotherPmts,2,1,1,1);
      document.calc.monthlyPmt.value = fns(VtotalMtgPmt,2,1,1,1);

   }

}



function monthlyAmortSched(form) {

   var Vprincipal = sn(document.calc.principal.value);
   var VintRate = sn(document.calc.intRate.value);
   var VnumYears = sn(document.calc.numYears.value);

   if(Vprincipal == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(VnumYears == 0) {
      alert("Please enter the mortgage's term in number of years.");
      document.calc.numYears.focus();
   } else {

      var VannualTax = sn(document.calc.annualTax.value);
      var VmonthlyTax =0;
      VmonthlyTax = VannualTax / 12;
      VmonthlyTax *= 100;
      VmonthlyTax = Math.round(VmonthlyTax);
      VmonthlyTax /= 100;

      var VannualInsurance = sn(document.calc.annualInsurance.value);
      var VmonthlyInsurance = 0;
      VmonthlyInsurance = VannualInsurance / 12;
      VmonthlyInsurance *= 100;
      VmonthlyInsurance = Math.round(VmonthlyInsurance);
      VmonthlyInsurance /= 100;

      var VmonthlyPMI = sn(document.calc.monthlyPMI.value);

      var VotherPmts = Number(VmonthlyTax) + Number(VmonthlyInsurance) + Number(VmonthlyPMI);

      var VnumPmts = VnumYears * 12;

      var pmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
      var VtotalMtgPmt = Number(pmtAmt) + Number(VotherPmts);

      var prin = Vprincipal;
      var Vint = VintRate;
      if(Vint >= 1) {
         Vint /= 100;
         }
      Vint /= 12;

      var nPer = VnumPmts;
      var intPort = 0;
      var accumInt = 0;
      var prinPort = 0;
      var accumPrin = 0;
      var count = 0;
      var pmtRow = "";
      var pmtNum = 0;

      var today = new Date();
      var dayFactor = today.getTime();
      var pmtDay = today.getDate();
      if(pmtDay > 28) {
         pmtDay = 28;
      }
      var loanMM = today.getMonth() + 1;
      var pmtMonth = loanMM;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var pmtYear = loanYY;

      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

      while(count < nPer) {

         if(count < (nPer - 1)) {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = Number(pmtAmt) - Number(intPort);
            prinPort *= 100;
            prinPort = Math.round(prinPort);
            prinPort /= 100;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = Number(prin) - Number(prinPort);

            displayPmtAmt = Number(prinPort) + Number(intPort);

         } else {

            intPort = prin * Vint;
            intPort *= 100;
            intPort = Math.round(intPort);
            intPort /= 100;

            accumInt = Number(accumInt) + Number(intPort);
            accumYearInt = Number(accumYearInt) + Number(intPort);

            prinPort = prin;

            accumPrin = Number(accumPrin) + Number(prinPort);
            accumYearPrin = Number(accumYearPrin) + Number(prinPort);

            prin = 0;

            //pmtAmt = Number(intPort) + Number(prinPort);
            displayPmtAmt = Number(prinPort) + Number(intPort);
         }

         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         pmtMonth = pmtMonth + 1;

         if(pmtMonth > 12) {
            pmtMonth = 1;
            pmtYear += 1;
         }




         pmtString = (pmtMonth + "/" + pmtDay + "/" + pmtYear);

         pmtRow += "<tr><td align='right'><font face='arial'><small>" + pmtNum + "</small></font>";
         pmtRow += "</td><td align='right'><font face='arial'><small>" + pmtString + "</small>";
         pmtRow += "</font></td><td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(prinPort,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(intPort,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(displayPmtAmt,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align='right'><font face='arial'>";
         pmtRow += "<small>" + fns(prin,2,1,1,1) + "</small></font></td></tr>";

         if(pmtMonth == 12 || count == nPer) {

            pmtRow += "<tr bgcolor='#dddddd'><td align='right'><font face='arial'><small>Total</small>";
            pmtRow += "</font></td><td align='right'><font face='arial'><small>" + pmtYear + "</small>";
            pmtRow += "</font></td><td align='right'><font face='arial'>";
            pmtRow += "<small>" + fns(accumYearPrin,2,1,1,1) + "</small></font></td>";
            pmtRow += "<td align='right'><font face='arial'>";
            pmtRow += "<small>" + fns(accumYearInt,2,1,1,1) + "</small></font></td>";
            pmtRow += "<td align='right'><font face='arial'><small> </small></font></td>";
            pmtRow += "<td align='right'><font face='arial'><small> </small></font></td></tr>";

            accumYearPrin = 0;
            accumYearInt = 0;

         }

         if(count > 600) {
         alert("Using your current entries you will never pay off this loan.");
            break;
         } else {
            continue;
         }

      }

      var part1 = "<html><head><title>Amortization Schedule</title></head>";
      part1 += "<b";
      part1 += "od";
      part1 += "y bgcolor= '#FFFFFF'>";
      part1 += "<br /><br /><center><font face='arial'><big><strong>";
      part1 += "Amortization Schedule</strong></big></font></center>";

      var part2 = "<center><table border=1 cellpadding=2 cellspacing=0><tr>";
      part2 += "<td colspan=6><font face='arial'><small><strong>Loan ";
      part2 += "Date: " + loanDate + "<br />Principal: " + fns(Vprincipal,2,1,1,1) + "<br />";
      part2 += "# of Payments: " + nPer + "<br />Interest Rate: " + fns(VintRate,3,0,2,1) + "";
      part2 += "<br />Payment: " + fns(pmtAmt,2,1,1,1) + "</strong></small></font></td></tr>";
      part2 += "<tr><td colspan=6><center><font face='arial'><strong>Schedule of Payments</strong>";
      part2 += "</font><br /><font face='arial'><small><small>Please allow for slight ";
      part2 += "rounding differences.</small></small></font></center></td></tr>";
      part2 += "<tr bgcolor='silver'><td align='center'><font face='arial'><small>";
      part2 += "<strong>Pmt #</strong></small></font></td><td align='center'><font face='arial'>";
      part2 += "<small><strong>Date</strong></small></font></td><td align='center'>";
      part2 += "<font face='arial'><small><strong>Principal</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Interest</strong></small>";
      part2 += "</font></td><td align='center'><font face='arial'><small><strong>Payment</strong>";
      part2 += "</small></font></td><td align='center'><font face='arial'><small>";
      part2 += "<strong>Balance</strong></small></font></td></tr>";

      var totalPmts = Number(accumPrin) + Number(accumInt);

      var part4 = "<tr><td colspan='2'><font face='arial'><small><strong>Grand Total</strong>";
      part4 += "</small></font></td><td align='right'><font face='arial'><small>";
      part4 += "<strong>" + fns(accumPrin,2,1,1,1) + "</strong></small></font></td>";
      part4 += "<td align='right'><font face='arial'><small>";
      part4 += "<strong>" + fns(accumInt,2,1,1,1) + "</strong></small></font></td>";
      part4 += "<td><font face='arial'><small>";
      part4 += "<strong>" + fns(totalPmts,2,1,1,1) + "</strong></small></font></td>";
      part4 += "<td> </td></tr></table><br /><center><form method='post'>";
      part4 += "<input type='button' value='Close Window' onClick='window.close()'>";
      part4 += "</form></center></body></html>";

      var schedule = (part1 + "" + part2 + "" + pmtRow + "" + part4 + "");

      reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");
      reportWin.document.write(schedule);
      reportWin.document.close();

   }

}

function help(help_id,txt) {

   var help_cell = document.getElementById("help_" + help_id + "");
   help_cell.innerHTML = "<font face='arial'><small>" + txt + "</small></font>";

   for(var i = 1; i<3; i++) {

      if(i != help_id) {

         var clear_cell = document.getElementById("help_" + i + "");
         clear_cell.innerHTML = "";
      }
   }

}


function clear_results(form) {


   document.calc.monthlyPI.value = "";
   document.calc.otherPmts.value = "";
   document.calc.monthlyPmt.value = "";

}

function reset_calc(form) {

   var help_cell_1 = document.getElementById("help_1");
   help_cell_1.innerHTML = "";

   var help_cell_2 = document.getElementById("help_2");
   help_cell_2.innerHTML = "";

   document.calc.reset();

}</script>

<meta content="text/html; charset=unicode" http-equiv="Content-Type" />
<title>Untitled 1</title>
<link href="../css/csstablestyle.css" rel="stylesheet" type="text/css" />
</head>

<body>
<form name="calc" method="post" action="#">

<table border='1' width='50%' cellpadding='4' cellspacing='0'  >
<tbody>

<tr> 
<td colspan="3" align="center">
<caption>Mortgage Payment Calculator w/Amortization</caption>

<tr> 
<td colspan="3">
<font face='arial' size='2' color='#000000'>
This calculator will compute a mortgage's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate. This calculator will also compute your total mortgage payment which will include your property tax, property insurance and PMI payments. Then, once you have computed the monthly payment, click on the "Create Amortization Schedule" button to create a report you can print out.
<p>

</p>
</font> 
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>Mortgage loan amount:</font>
</td>
<td   align="center">
<input type="text" name="principal" size="15" onFocus="help(1,'ENTER: The total amount you would be borrowing to purchase the home.')" onKeyUp="clear_results(this.form)" />
</td>
<td   align="center">
<font face='arial' size='2' color='#000000'><b>Explain/Instruct</b></font>
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>Annual interest rate (APR):</font>
</td>
<td   align="center">
<input type="text" name="intRate" size="15" onFocus="help(1,'ENTER: The annual interest rate you expect to pay on this mortgage (e.g. enter 6% as 6).')" onKeyUp="clear_results(this.form)" />
</td>
<td   rowspan="5" width="125" align="center" valign="top">

<div id="help_1" style="width: 120px; text-align: left;">
</div>

</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>Mortgage loan term (# years):</font>
</td>
<td   align="center">
<input type="text" name="numYears" size="15" onFocus="help(1,'ENTER: The number of years you will be financing the home loan for.')" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>Annual real estate taxes:</font>
</td>
<td   align="center">
<input type="text" name="annualTax" size="15" onFocus="help(1,'The annual property tax payment you expect to pay. As a rule of thumb, you can expect to pay 1.1% (home price X .011) of the purchase price per year.')" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>Annual homeowners insurance:</font>
</td>
<td   align="center">
<input type="text" name="annualInsurance" size="15" onFocus="help(1,'ENTER: The annual homeowner insurance payment you expect to pay. As a rule of thumb, you can expect to pay 1.5% (home price X .015) of the purchase price per year.')" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>Monthly PMI (Private Mortgage Insurance):</font>
</td>
<td   align="center">
<input type="text" name="monthlyPMI" size="15" onFocus="help(1,'ENTER: The monthly Private Mortgage Insurance (PMI) you expect to pay. If your downpayment is less than 20% of the value of the home you are buying, you may be required to pay mortgage insurance of somewhere between 0.02% and 0.07% of your principal balance each month (e.g, principal balance X .00043).')" onKeyUp="clear_results(this.form)" />
</td>
</tr>
<tr>
<td   colspan='3' align="center">
<input type="button" name="compute" value="Mortgage Payment" onClick="computeForm(this.form)" />
<input type="button" value="Reset" onClick="reset_calc(this.form)" />
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>
Monthly Principal and Interest Payment:
</font>
</td>
<td   align="center">
<input type="text" name="monthlyPI" size="15" onFocus="help(2,'RESULT: This how much your monthly principal and interest payment will be.')" />
</td>
<td   align="center">
<font face='arial' size='2' color='#000000'><b>Explain/Instruct</b></font>
</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>
Monthly Taxes, Insurance and PMI payment:
</font>
</td>
<td   align="center">
<input type="text" name="otherPmts" size="15" onFocus="help(2,'RESULT: This is the total of your other monthly payments (taxes, insurance & PMI).')" />
</td>
<td   rowspan="2" width="125" align="center" valign="top">

<div id="help_2" style="width: 120px; text-align: left;">
</div>

</td>
</tr>

<tr> 
<td> 
<font face='arial' size='2' color='#000000'>
Total monthly mortgage payment:
</font>
</td>
<td   align="center">
<input type="text" name="monthlyPmt" size="15" onFocus="help(2,'RESULT: This the total of all monthly payments related to your mortgage.')" />
</td>
</tr>

<tr>
<td   colspan='3' align="center">
<input type="button" name="compute" value="P&I Amortization" onClick="monthlyAmortSched(this.form)" />
</td>
</tr>



</tbody>
</table>
</form>
</body>

</html>