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<html xmlns="http://www.w3.org/1999/xhtml">

<head><script Language='JavaScript'>
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Purchase Money Mortgage Balance Calculator
//2009 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 08/25/2009
//Last Modified: 09/21/2009
//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 #:7579-1662-167-1580
//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 calc_min(form) {

   var v_prin = sn(document.calc.principal.value);
   var v_rate = v_rate = sn(document.calc.intRate.value);
   var v_min_pmt_span = document.getElementById("min_pmt");

   var v_min_pmt = 0;

   if(v_prin > 0 && v_rate > 0) {

      v_min_pmt = Math.ceil(v_rate / 100 / 12 * v_prin);
      v_min_pmt_span.innerHTML = "(must be at least " + fns(v_min_pmt,2,1,1,1) + ")";

   } else {

      v_min_pmt_span.innerHTML = "";

   }

   clear_results(document.calc);


}


function computeForm(form) {

   var v_prin = sn(document.calc.principal.value);
   var v_rate = sn(document.calc.intRate.value);
   var v_pmt = sn(document.calc.pmt.value);
   var v_due_years = sn(document.calc.due_years.value);

   var v_min_pmt = Math.ceil(v_rate / 100 / 12 * v_prin);

   if(v_prin == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(v_rate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(v_pmt == 0) {
      alert("Please enter the desired monthly payment amount.");
      document.calc.pmt.focus();
   } else
   if(v_pmt < v_min_pmt) {
      alert("Please enter a payment amount that is greater than " + fns(v_min_pmt,2,1,1,1) + ".");
      document.calc.pmt.focus();
   } else
   if(v_due_years == 0) {
      alert("Please enter the number of years before mortgage is payable in full.");
      document.calc.due_years.focus();
   } else {


      var prin = v_prin;
      var int_port = 0;
      var prin_port = 0;
      var rate = v_rate / 100 / 12;
      var due_pmts = v_due_years * 12;

      for(var i = 0; i<due_pmts; i++) {

         int_port = Math.round(rate * prin * 100) / 100;
         prin_port = Number(v_pmt) - Number(int_port)
         prin = Number(prin) - Number(prin_port);


      }

      document.calc.bal_due.value = fns(prin,2,1,1,1);

   }

}



function monthlyAmortSched(form) {
   var v_prin = sn(document.calc.principal.value);
   var v_rate = sn(document.calc.intRate.value);
   var v_pmt = sn(document.calc.pmt.value);
   var v_due_years = sn(document.calc.due_years.value);

   var v_min_pmt = Math.ceil(v_rate / 100 / 12 * v_prin);

   if(v_prin == 0) {
      alert("Please enter the mortgage's principal amount.");
      document.calc.principal.focus();
   } else
   if(v_rate == 0) {
      alert("Please enter the mortgage's annual interest rate.");
      document.calc.intRate.focus();
   } else
   if(v_pmt == 0) {
      alert("Please enter the desired monthly payment amount.");
      document.calc.pmt.focus();
   } else
   if(v_pmt < v_min_pmt) {
      alert("Please enter a payment amount that is greater than " + fns(v_min_pmt,2,1,1,1) + ".");
      document.calc.pmt.focus();
   } else
   if(v_due_years == 0) {
      alert("Please enter the number of years before mortgage is payable in full.");
      document.calc.due_years.focus();
   } else {

      var VnumPmts = v_due_years * 12;

      var pmtAmt = v_pmt;

      var prin = v_prin;

      var rate = v_rate;

      if(rate >= 1) {
         rate /= 100;
         }
      rate /= 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();
      var loanMM = today.getMonth() + 1;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }
      var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
      var monthMS = 86400000 * 30.4;
      var pmtDate = 0;
      var displayPmtAmt = 0;
      var accumYearPrin = 0;
      var accumYearInt = 0;

      while(count < VnumPmts) {

            intPort = prin * rate;
            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);


         count = Number(count) + Number(1);

         pmtNum = Number(pmtNum) + Number(1);

         dayFactor = Number(dayFactor) + Number(monthMS);

         pmtDate = new Date(dayFactor);

         pmtMonth = pmtDate.getMonth();

         pmtMonth = pmtMonth + 1;

         pmtYear = pmtDate.getYear();
         if(pmtYear < 1900) {
            pmtYear += 1900;
         }


         pmtString = (pmtMonth + "/" + pmtDay + "/" + pmtYear);

         pmtRow += "<tr><td align=right><font face='arial'><small>" + pmtNum + "</small></font></td>";
         pmtRow += "<td align=right><font face='arial'><small>" + pmtString + "</small></font></td>";
         pmtRow += "<td align=right><font face='arial'><small>" + fns(prinPort,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align=right><font face='arial'><small>" + fns(intPort,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align=right><font face='arial'><small>" + fns(displayPmtAmt,2,1,1,1) + "</small></font></td>";
         pmtRow += "<td align=right><font face='arial'><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></font></td>";
            pmtRow += "<td align=left><font face='arial'><small>" + pmtYear + "</small></font></td>";
            pmtRow += "<td align=right><font face='arial'><small>" + fns(accumYearPrin,2,1,1,1) + "</small></font></td>";
            pmtRow += "<td align=right><font face='arial'><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 = "<head><title>Amortization Schedule</title></head>";
      part1 += "<b";
      part1 += "od";
      part1 += "y bgcolor= '#FFFFFF'><br /><br /><center><font face='arial'>";
      part1 += "<big><strong>Amortization Schedule</strong></big></font></center>";


      var part2 = "<center><table border=1 cellpadding=2 cellspacing=0>";
      part2 += "<tr><td colspan=6><font face='arial'><small><b>Loan ";
      part2 += "Date: " + loanDate + "<br />Principal: " + fns(v_prin,2,1,1,1) + "<br /># of ";
      part2 += "Payments: " + nPer + "<br />Interest Rate: " + fns(v_rate,3,0,2,1) + "<br />";
      part2 += "Payment: " + fns(pmtAmt,2,1,1,1) + "<br />";
      part2 += "Balance due after " + v_due_years + " years: " + fns(prin,2,1,1,1) + "<br />";
      part2 += "</b></small></font></td></tr><tr><td colspan=6>";
      part2 += "<center><font face='arial'><b>Schedule of Payments</b></font><br /><font face='arial'>";
      part2 += "<small><small>Please allow for slight rounding differences.</small></small></font></center></td></tr>";
      part2 += "<tr bgcolor='silver'><td align='center'><font face='arial'><small><b>Pmt #</b></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><b>Date</b></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><b>Principal</b></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><b>Interest</b></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><b>Payment</b></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><b>Balance</b></small></font></td></tr>";

      var part3 = ("" + pmtRow + "");

      var part4 = "<tr><td colspan='2'><font face='arial'><small><b>Grand Total</b></small></font></td>";
      part4 += "<td align=right><font face='arial'><small><b>" + fns(accumPrin,2,1,1,1) + "</b></small></font></td>";
      part4 += "<td align=right><font face='arial'><small><b>" + fns(accumInt,2,1,1,1) + "</b></small></font></td>";
      part4 += "<td> </td><td> </td></tr></table><br /><center><form method='post'>";
      part4 += "<input type='button' value='Close Window' onClick='window.close()'></form>";
      part4 += "</center></body></html>";


      var schedule = (part1 + "" + part2 + "" + part3 + part4 + "");
      reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");
      reportWin.document.write(schedule);
      reportWin.document.close();

   }

}


function clear_results(form) {

   document.calc.bal_due.value = "";

}

function reset_calc(form) {

   var v_min_pmt_span = document.getElementById("min_pmt");
   v_min_pmt_span.innerHTML = "";

   document.calc.reset();

}</script>

<meta content="text/html; charset=unicode" http-equiv="Content-Type" />
<title>Purchase Money Mortgage Balance Calculator </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="2" align="center">
<caption>Purchase Money Mortgage Balance Calculator </caption>

<tr> 
<td colspan="2">
<font face='arial' size='2' color='#000000'>
This calculator will estimate the mortgage balance owed at the end of the initial payment term when the loan payment has been calculated on a longer term in order to make the payment more affordable in the near term.
<p>

</p>
</font> 
</td>
</tr>

<tr> 
<td   nowrap>
<font face='arial' size='2' color='#000000'>Mortgage loan amount:</font>
</td>
<td align="center"  >
<input type="text" name="principal" size="15" onKeyUp="calc_min(this.form)" />
</td>
</tr>

<tr> 
<td   nowrap>
<font face='arial' size='2' color='#000000'>Annual interest rate (APR):</font>
</td>
<td align="center"  >
<input type="text" name="intRate" size="15" onKeyUp="calc_min(this.form)" />
</td>
</tr>

<tr> 
<td   nowrap>
<font face='arial' size='2' color='#000000'>Desired monthly mortgage payment <span id="min_pmt"></span>:</font>
</td>
<td align="center"  >
<input type="text" name="pmt" size="15" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr> 
<td   nowrap>
<font face='arial' size='2' color='#000000'>Years before loan is payable in full:</font>
</td>
<td align="center"  >
<input type="text" name="due_years" size="15" onKeyUp="clear_results(this.form)" />
</td>
</tr>

<tr>
<td   colspan="2" align="center">
<input type="button" name="compute" value="Balance After Term" onClick="computeForm(this.form)" />
<input type="button" value="Reset" onClick="reset_calc(this.form)" />
</td>
</tr>

<tr> 
<td   nowrap>
<font face='arial' size='2' color='#000000'>Mortgage balance after specified number of years:</font>
</td>
<td align="center"  >
<input type="text" name="bal_due" size="15" />
</td>
</tr>


<tr>
<td   colspan='2' align='center'>
<input type="button" name="sched" value="P&I Amortization" onClick="monthlyAmortSched(this.form)" />
</td>
</tr>



</tbody>
</table>
</form>
</body>

</html>