4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

1 1001.2492 1001.3165 1001.3819 1001.4456 1001.5075

2 1002.5065 1002.6417 1002.7733 1002.9014 1003.0260

3 1003.7718 1003.9758 1004.1743 1004.3676 1004.5556

4 1005.0454 1005.3187 1005.5849 1005.8441 1006.0963

5 1006.3272 1006.6706 1007.0052 1007.3311 1007.6483

6 1007.6172 1008.0316 1008.4353 1008.8286 1009.2116

7 1008.9156 1009.4016 1009.8752 1010.3367 1010.7863

8 1010.2224 1010.7807 1011.3250 1011.8555 1012.3725

9 1011.5376 1012.1690 1012.7848 1013.3851 1013.9702

10 1012.8613 1013.5666 1014.2546 1014.9255 1015.5796

11 1014.1936 1014.9735 1015.7345 1016.4768 1017.2007

12 1015.5344 1016.3898 1017.2246 1018.0391 1018.8336

13 1016.6287 1017.5534 1018.4558 1019.3362 1020.1950

14 1017.7300 1018.7247 1019.6954 1020.6425 1021.5664

15 1018.8385 1019.9038 1020.9436 1021.9581 1022.9477

16 1019.9541 1021.0908 1022.2003 1023.2830 1024.3392

17 1021.0769 1022.2857 1023.4657 1024.6172 1025.7407

18 1022.2070 1023.4886 1024.7398 1025.9609 1027.1525

19 1023.3443 1024.6995 1026.0226 1027.3142 1028.5746

20 1024.4890 1025.9185 1027.3143 1028.6770 1030.0070

21 1025.6411 1027.1455 1028.6148 1030.0494 1031.4499

22 1026.8007 1028.3808 1029.9243 1031.4316 1032.9034

23 1027.9677 1029.6243 1031.2428 1032.8236 1034.3674

24 1029.1423 1030.8761 1032.5703 1034.2255 1035.8421

25 1030.0567 1031.8613 1033.6246 1035.3474 1037.0302

26 1030.9770 1032.8530 1034.6862 1036.4774 1038.2270

27 1031.9032 1033.8513 1035.7551 1037.6153 1039.4325

28 1032.8355 1034.8562 1036.8313 1038.7613 1040.6468

29 1033.7737 1035.8679 1037.9149 1039.9154 1041.8700

30 1034.7180 1036.8863 1039.0060 1041.0777 1043.1021

31 1035.6684 1037.9115 1040.1046 1042.2482 1044.3431

32 1036.6250 1038.9436 1041.2107 1043.4270 1045.5933

33 1037.5877 1039.9825 1042.3244 1044.6142 1046.8525

34 1038.5567 1041.0283 1043.4458 1045.8098 1048.1209

35 1039.5319 1042.0811 1044.5749 1047.0138 1049.3986

36 1040.5134 1043.1410 1045.7117 1048.2264 1050.6856

37 1041.2203 1043.9194 1046.5602 1049.1436 1051.6700

38 1041.9319 1044.7030 1047.4146 1050.0672 1052.6617

39 1042.6480 1045.4918 1048.2747 1050.9974 1053.6606

40 1043.3687 1046.2859 1049.1409 1051.9342 1054.6668

41 1044.0941 1047.0853 1050.0129 1052.8777 1055.6803

42 1044.8242 1047.8900 1050.8910 1053.8278 1056.7012

43 1045.5590 1048.7001 1051.7751 1054.7846 1057.7295

44 1046.2986 1049.5156 1052.6652 1055.7483 1058.7654

45 1047.0429 1050.3365 1053.5615 1056.7187 1059.8088

46 1047.7920 1051.1629 1054.4640 1057.6960 1060.8598

47 1048.5460 1051.9948 1055.3726 1058.6803 1061.9185

48 1049.3049 1052.8322 1056.2875 1059.6715 1062.9849

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

1 1001.5677 1001.6263 1001.6831 1001.7384 1001.7921

2 1003.1472 1003.2651 1003.3796 1003.4910 1003.5991

3 1004.7386 1004.9165 1005.0895 1005.2577 1005.4212

4 1006.3418 1006.5806 1006.8130 1007.0389 1007.2585

5 1007.9571 1008.2576 1008.5500 1008.8345 1009.1111

6 1009.5845 1009.9476 1010.3009 1010.6447 1010.9791

7 1011.2241 1011.6505 1012.0656 1012.4696 1012.8627

8 1012.8760 1013.3666 1013.8442 1014.3093 1014.7620

9 1014.5403 1015.0959 1015.6370 1016.1640 1016.6771

10 1016.2171 1016.8385 1017.4439 1018.0337 1018.6082

11 1017.9065 1018.5945 1019.2652 1019.9187 1020.5554

12 1019.6085 1020.3641 1021.1008 1021.8189 1022.5188

13 1021.0326 1021.8493 1022.6456 1023.4217 1024.1780

14 1022.4674 1023.3460 1024.2025 1025.0374 1025.8511

15 1023.9130 1024.8542 1025.7719 1026.6663 1027.5381

16 1025.3694 1026.3740 1027.3536 1028.3085 1029.2392

17 1026.8367 1027.9056 1028.9478 1029.9640 1030.9544

18 1028.3150 1029.4489 1030.5547 1031.6329 1032.6840

19 1029.8044 1031.0042 1032.1743 1033.3154 1034.4279

20 1031.3050 1032.5714 1033.8067 1035.0115 1036.1864

21 1032.8169 1034.1507 1035.4521 1036.7215 1037.9595

22 1034.3400 1035.7422 1037.1104 1038.4453 1039.7474

23 1035.8746 1037.3459 1038.7819 1040.1831 1041.5503

24 1037.4207 1038.9621 1040.4666 1041.9351 1043.3681

25 1038.6735 1040.2780 1041.8443 1043.3730 1044.8648

26 1039.9357 1041.6041 1043.2329 1044.8226 1046.3741

27 1041.2073 1042.9404 1044.6324 1046.2840 1047.8959

28 1042.4885 1044.2870 1046.0430 1047.7573 1049.4304

29 1043.7793 1045.6440 1047.4648 1049.2425 1050.9777

30 1045.0798 1047.0115 1048.8979 1050.7398 1052.5378

31 1046.3900 1048.3895 1050.3423 1052.2492 1054.1110

32 1047.7100 1049.7781 1051.7981 1053.7709 1055.6973

33 1049.0400 1051.1774 1053.2655 1055.3050 1057.2968

34 1050.3799 1052.5875 1054.7445 1056.8516 1058.9096

35 1051.7299 1054.0085 1056.2352 1058.4107 1060.5359

36 1053.0900 1055.4404 1057.7377 1059.9825 1062.1757

37 1054.1404 1056.5555 1058.9159 1061.2227 1063.4765

38 1055.1987 1057.6791 1060.1035 1062.4729 1064.7881

39 1056.2650 1058.8114 1061.3005 1063.7334 1066.1107

40 1057.3392 1059.9524 1062.5070 1065.0040 1067.4443

41 1058.4215 1061.1022 1063.7231 1066.2850 1068.7889

42 1059.5119 1062.2608 1064.9487 1067.5764 1070.1448

43 1060.6105 1063.4284 1066.1841 1068.8783 1071.5120

44 1061.7174 1064.6050 1067.4292 1070.1908 1072.8906

45 1062.8325 1065.7907 1068.6842 1071.5139 1074.2807

46 1063.9560 1066.9855 1069.9491 1072.8478 1075.6824

47 1065.0880 1068.1895 1071.2241 1074.1925 1077.0957

48 1066.2284 1069.4028 1072.5091 1075.5482 1078.5208

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 1 8/80

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

49 1049.7740 1053.3726 1056.8980 1060.3509 1063.7319

50 1050.2461 1053.9166 1057.5127 1061.0351 1064.4843

51 1050.7213 1054.4643 1058.1316 1061.7241 1065.2423

52 1051.1995 1055.0156 1058.7548 1062.4180 1066.0057

53 1051.6809 1055.5705 1059.3823 1063.1168 1066.7748

54 1052.1653 1056.1292 1060.0141 1063.8206 1067.5494

55 1052.6529 1056.6916 1060.6502 1064.5293 1068.3297

56 1053.1436 1057.2577 1061.2907 1065.2431 1069.1157

57 1053.6375 1057.8276 1061.9356 1065.9619 1069.9074

58 1054.1346 1058.4013 1062.5849 1066.6858 1070.7049

59 1054.6349 1058.9789 1063.2387 1067.4149 1071.5082

60 1055.1384 1059.5603 1063.8970 1068.1491 1072.3173

61 1055.3361 1059.8281 1064.2338 1068.5540 1072.7892

62 1055.5351 1060.0977 1064.5730 1068.9618 1073.2645

63 1055.7354 1060.3691 1064.9146 1069.3724 1073.7433

64 1055.9369 1060.6423 1065.2585 1069.7860 1074.2255

65 1056.1398 1060.9173 1065.6047 1070.2025 1074.7113

66 1056.3440 1061.1942 1065.9533 1070.6219 1075.2006

67 1056.5495 1061.4729 1066.3044 1071.0444 1075.6935

68 1056.7563 1061.7535 1066.6578 1071.4698 1076.1900

69 1056.9644 1062.0359 1067.0137 1071.8982 1076.6901

70 1057.1739 1062.3202 1067.3720 1072.3297 1077.1938

71 1057.3848 1062.6065 1067.7328 1072.7642 1077.7013

72 1057.5970 1062.8946 1068.0960 1073.2018 1078.2124

73 1057.4864 1062.8516 1068.1199 1073.2916 1078.3672

74 1057.3750 1062.8084 1068.1439 1073.3820 1078.5232

75 1057.2629 1062.7649 1068.1681 1073.4731 1078.6803

76 1057.1501 1062.7211 1068.1925 1073.5648 1078.8386

77 1057.0366 1062.6769 1068.2170 1073.6572 1078.9980

78 1056.9224 1062.6325 1068.2417 1073.7502 1079.1585

79 1056.8074 1062.5878 1068.2666 1073.8439 1079.3203

80 1056.6916 1062.5428 1068.2916 1073.9382 1079.4832

81 1056.5751 1062.4975 1068.3168 1074.0333 1079.6473

82 1056.4579 1062.4519 1068.3422 1074.1289 1079.8126

83 1056.3399 1062.4060 1068.3678 1074.2253 1079.9791

84 1056.2211 1062.3598 1068.3935 1074.3224 1080.1468

85 1055.7615 1061.9640 1068.0608 1074.0520 1079.9381

86 1055.2989 1061.5655 1067.7257 1073.7797 1079.7279

87 1054.8333 1061.1644 1067.3884 1073.5055 1079.5161

88 1054.3647 1060.7606 1067.0488 1073.2294 1079.3028

89 1053.8931 1060.3541 1066.7068 1072.9513 1079.0880

90 1053.4185 1059.9449 1066.3624 1072.6712 1078.8715

91 1052.9407 1059.5330 1066.0157 1072.3892 1078.6535

92 1052.4599 1059.1183 1065.6667 1072.1052 1078.4339

93 1051.9760 1058.7008 1065.3152 1071.8191 1078.2128

94 1051.4889 1058.2806 1064.9613 1071.5310 1077.9899

95 1050.9988 1057.8576 1064.6049 1071.2409 1077.7655

96 1050.5054 1057.4317 1064.2462 1070.9487 1077.5394

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

49 1067.0418 1070.2815 1073.4518 1076.5536 1079.5879

50 1067.8613 1071.1669 1074.4019 1077.5672 1080.6638

51 1068.6870 1072.0591 1075.3595 1078.5890 1081.7486

52 1069.5189 1072.9582 1076.3247 1079.6191 1082.8425

53 1070.3570 1073.8643 1077.2975 1080.6576 1083.9456

54 1071.2014 1074.7773 1078.2781 1081.7046 1085.0578

55 1072.0521 1075.6974 1079.2664 1082.7600 1086.1793

56 1072.9092 1076.6246 1080.2625 1083.8241 1087.3101

57 1073.7728 1077.5589 1081.2665 1084.8967 1088.4504

58 1074.6428 1078.5004 1082.2785 1085.9781 1089.6001

59 1075.5193 1079.4491 1083.2985 1087.0683 1090.7595

60 1076.4024 1080.4052 1084.3265 1088.1673 1091.9285

61 1076.9402 1081.0078 1084.9929 1088.8963 1092.7191

62 1077.4820 1081.6150 1085.6645 1089.6313 1093.5163

63 1078.0278 1082.2269 1086.3414 1090.3722 1094.3202

64 1078.5778 1082.8436 1087.0237 1091.1191 1095.1308

65 1079.1319 1083.4649 1087.7114 1091.8721 1095.9481

66 1079.6901 1084.0911 1088.4045 1092.6312 1096.7722

67 1080.2525 1084.7221 1089.1031 1093.3965 1097.6032

68 1080.8191 1085.3580 1089.8073 1094.1680 1098.4411

69 1081.3900 1085.9987 1090.5170 1094.9458 1099.2860

70 1081.9652 1086.6444 1091.2324 1095.7299 1100.1380

71 1082.5447 1087.2951 1091.9534 1096.5204 1100.9970

72 1083.1285 1087.9508 1092.6801 1097.3172 1101.8632

73 1083.3475 1088.2330 1093.0246 1097.7231 1102.3295

74 1083.5681 1088.5173 1093.3718 1098.1323 1102.7997

75 1083.7903 1088.8039 1093.7217 1098.5447 1103.2738

76 1084.0143 1089.0927 1094.0745 1098.9606 1103.7518

77 1084.2399 1089.3837 1094.4300 1099.3798 1104.2339

78 1084.4672 1089.6769 1094.7884 1099.8024 1104.7199

79 1084.6962 1089.9724 1095.1495 1100.2284 1105.2100

80 1084.9269 1090.2702 1095.5136 1100.6580 1105.7042

81 1085.1594 1090.5703 1095.8805 1101.0910 1106.2025

82 1085.3936 1090.8726 1096.2503 1101.5275 1106.7049

83 1085.6296 1091.1774 1096.6231 1101.9675 1107.2116

84 1085.8673 1091.4844 1096.9988 1102.4112 1107.7224

85 1085.7195 1091.3967 1096.9705 1102.4414 1107.8105

86 1085.5706 1091.3084 1096.9419 1102.4720 1107.8992

87 1085.4206 1091.2194 1096.9132 1102.5027 1107.9888

88 1085.2694 1091.1297 1096.8842 1102.5337 1108.0790

89 1085.1171 1091.0393 1096.8550 1102.5650 1108.1700

90 1084.9637 1090.9482 1096.8255 1102.5965 1108.2618

91 1084.8091 1090.8564 1096.7959 1102.6283 1108.3543

92 1084.6534 1090.7639 1096.7659 1102.6603 1108.4476

93 1084.4965 1090.6706 1096.7358 1102.6926 1108.5417

94 1084.3384 1090.5767 1096.7054 1102.7251 1108.6366

95 1084.1791 1090.4820 1096.6748 1102.7579 1108.7322

96 1084.0186 1090.3866 1096.6439 1102.7910 1108.8287

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 2

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

97 1049.6521 1056.6366 1063.5087 1070.2683 1076.9156

98 1048.7932 1055.8362 1062.7662 1069.5831 1076.2872

99 1047.9289 1055.0304 1062.0185 1068.8931 1075.6542

100 1047.0589 1054.2193 1061.2657 1068.1981 1075.0165

101 1046.1833 1053.4027 1060.5078 1067.4983 1074.3743

102 1045.3021 1052.5808 1059.7446 1066.7935 1073.7273

103 1044.4152 1051.7533 1058.9762 1066.0837 1073.0757

104 1043.5225 1050.9203 1058.2025 1065.3688 1072.4192

105 1042.6241 1050.0818 1057.4235 1064.6489 1071.7580

106 1041.7199 1049.2377 1056.6391 1063.9239 1071.0920

107 1040.8099 1048.3879 1055.8493 1063.1938 1070.4211

108 1039.8939 1047.5325 1055.0541 1062.4585 1069.7453

109 1038.5978 1046.2870 1053.8588 1061.3129 1068.6491

110 1037.2934 1045.0332 1052.6553 1060.1592 1067.5448

111 1035.9805 1043.7710 1051.4435 1058.9974 1066.4325

112 1034.6591 1042.5004 1050.2233 1057.8273 1065.3121

113 1033.3292 1041.2214 1048.9948 1056.6489 1064.1835

114 1031.9907 1039.9338 1047.7578 1055.4622 1063.0467

115 1030.6435 1038.6376 1046.5123 1054.2671 1061.9015

116 1029.2877 1037.3328 1045.2583 1053.0635 1060.7481

117 1027.9231 1036.0193 1043.9956 1051.8514 1059.5862

118 1026.5497 1034.6971 1042.7243 1050.6307 1058.4159

119 1025.1674 1033.3660 1041.4442 1049.4014 1057.2370

120 1023.7762 1032.0261 1040.1553 1048.1633 1056.0495

121 1021.9834 1030.2739 1038.4436 1046.4916 1054.4175

122 1020.1790 1028.5102 1036.7201 1044.8080 1052.7735

123 1018.3630 1026.7346 1034.9847 1043.1126 1051.1175

124 1016.5353 1024.9472 1033.2374 1041.4051 1049.4495

125 1014.6957 1023.1479 1031.4781 1039.6855 1047.7693

126 1012.8443 1021.3366 1029.7067 1037.9537 1046.0769

127 1010.9809 1019.5133 1027.9232 1036.2097 1044.3721

128 1009.1055 1017.6778 1026.1273 1034.4533 1042.6549

129 1007.2179 1015.8300 1024.3192 1032.6845 1040.9252

130 1005.3182 1013.9699 1022.4985 1030.9031 1039.1828

131 1003.4062 1012.0974 1020.6654 1029.1091 1037.4278

132 1001.4818 1010.2125 1018.8197 1027.3025 1035.6599

133 999.5451 1008.3149 1016.9613 1025.4830 1033.8792

134 997.5958 1006.4048 1015.0901 1023.6506 1032.0855

135 995.6339 1004.4818 1013.2060 1021.8053 1030.2787

136 993.6594 1002.5461 1011.3090 1019.9469 1028.4587

137 991.6721 1000.5975 1009.3989 1018.0753 1026.6255

138 989.6720 998.6358 1007.4757 1016.1904 1024.7789

139 987.6589 996.6611 1005.5393 1014.2922 1022.9188

140 985.6329 994.6733 1003.5896 1012.3806 1021.0451

141 983.5937 992.6721 1001.6265 1010.4554 1019.1578

142 981.5414 990.6577 999.6499 1008.5166 1017.2568

143 979.4759 988.6298 997.6596 1006.5641 1015.3418

144 977.3970 986.5884 995.6558 1004.5977 1013.4130

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

97 1083.4507 1089.8739 1096.1858 1102.3870 1108.4779

98 1082.8784 1089.3573 1095.7242 1101.9796 1108.1243

99 1082.3019 1088.8367 1095.2588 1101.5689 1107.7676

100 1081.7211 1088.3120 1094.7898 1101.1550 1107.4081

101 1081.1359 1087.7834 1094.3171 1100.7376 1107.0455

102 1080.5463 1087.2506 1093.8406 1100.3168 1106.6799

103 1079.9523 1086.7137 1093.3604 1099.8927 1106.3112

104 1079.3538 1086.1727 1092.8763 1099.4651 1105.9395

105 1078.7509 1085.6276 1092.3885 1099.0340 1105.5647

106 1078.1434 1085.0782 1091.8967 1098.5994 1105.1867

107 1077.5313 1084.5246 1091.4011 1098.1613 1104.8056

108 1076.9147 1083.9667 1090.9015 1097.7196 1104.4213

109 1075.8673 1082.9676 1089.9502 1096.8155 1103.5639

110 1074.8120 1081.9607 1088.9913 1095.9040 1102.6993

111 1073.7487 1080.9461 1088.0248 1094.9851 1101.8275

112 1072.6775 1079.9237 1087.0507 1094.0588 1100.9485

113 1071.5983 1078.8934 1086.0688 1093.1249 1100.0621

114 1070.5110 1077.8551 1085.0792 1092.1835 1099.1684

115 1069.4155 1076.8089 1084.0817 1091.2344 1098.2671

116 1068.3118 1075.7545 1083.0764 1090.2776 1097.3584

117 1067.1998 1074.6921 1082.0631 1089.3130 1096.4421

118 1066.0795 1073.6214 1081.0418 1088.3406 1095.5182

119 1064.9508 1072.5426 1080.0123 1087.3602 1094.5866

120 1063.8136 1071.4553 1078.9748 1086.3720 1093.6472

121 1062.2208 1069.9014 1077.4592 1084.8943 1092.2070

122 1060.6160 1068.3354 1075.9316 1083.4047 1090.7548

123 1058.9992 1066.7574 1074.3919 1081.9029 1089.2905

124 1057.3703 1065.1672 1072.8401 1080.3889 1087.8140

125 1055.7292 1063.5648 1071.2759 1078.8627 1086.3251

126 1054.0758 1061.9500 1069.6994 1077.3240 1084.8239

127 1052.4099 1060.3228 1068.1104 1075.7729 1083.3102

128 1050.7316 1058.6830 1066.5088 1074.2091 1081.7838

129 1049.0407 1057.0306 1064.8946 1072.6326 1080.2448

130 1047.3371 1055.3654 1063.2675 1071.0433 1078.6929

131 1045.6207 1053.6874 1061.6276 1069.4411 1077.1280

132 1043.8914 1051.9965 1059.9747 1067.8259 1075.5502

133 1042.1492 1050.2925 1058.3087 1066.1976 1073.9592

134 1040.3939 1048.5754 1056.6295 1064.5560 1072.3549

135 1038.6255 1046.8451 1054.9370 1062.9011 1070.7373

136 1036.8438 1045.1014 1053.2312 1061.2328 1069.1061

137 1035.0487 1043.3443 1051.5118 1059.5509 1067.4614

138 1033.2401 1041.5736 1049.7788 1057.8553 1065.8030

139 1031.4180 1039.7893 1048.0321 1056.1460 1064.1308

140 1029.5823 1037.9912 1046.2715 1054.4227 1062.4446

141 1027.7327 1036.1793 1044.4971 1052.6855 1060.7444

142 1025.8693 1034.3534 1042.7085 1050.9341 1059.0300

143 1023.9919 1032.5135 1040.9058 1049.1685 1057.3013

144 1022.1005 1030.6593 1039.0889 1047.3886 1055.5582

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 3 8/80

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

145 975.3047 984.5333 993.6381 1002.6174 1011.4700

146 973.1988 982.4646 991.6065 1000.6231 1009.5129

147 971.0794 980.3821 989.5610 998.6146 1007.5415

148 968.9463 978.2857 987.5014 996.5919 1005.5557

149 966.7994 976.1753 985.4277 994.5549 1003.5555

150 964.6386 974.0509 983.3397 992.5035 1001.5406

151 962.4639 971.9123 981.2374 990.4375 999.5111

152 960.2752 969.7594 979.1206 988.3569 997.4668

153 958.0723 967.5922 976.9892 986.2615 995.4076

154 955.8551 965.4105 974.8432 984.1514 993.3333

155 953.6237 963.2143 972.6825 982.0262 991.2440

156 951.3778 961.0035 970.5068 979.8860 989.1394

157 949.1175 958.7779 968.3163 977.7307 987.0194

158 946.8425 956.5375 966.1106 975.5601 984.8840

159 944.5529 954.2821 963.8898 973.3741 982.7330

160 942.2484 952.0117 961.6538 971.1726 980.5664

161 939.9291 949.7262 959.4023 968.9556 978.3839

162 937.5948 947.4254 957.1354 966.7228 976.1855

163 935.2454 945.1093 954.8529 964.4742 973.9711

164 932.8809 942.7777 952.5547 962.2097 971.7406

165 930.5010 940.4306 950.2407 959.9291 969.4938

166 928.1059 938.0679 947.9108 957.6324 967.2306

167 925.6952 935.6894 945.5649 955.3195 964.9509

168 923.2690 933.2950 943.2029 952.9901 962.6546

169 920.8271 930.8847 940.8246 950.6442 960.3415

170 918.3694 928.4584 938.4300 948.2818 958.0116

171 915.8959 926.0158 936.0189 945.9026 955.6646

172 913.4064 923.5570 933.5912 943.5065 953.3006

173 910.9008 921.0817 931.1468 941.0935 950.9193

174 908.3790 918.5900 928.6856 938.6633 948.5207

175 905.8409 916.0816 926.2075 936.2160 946.1046

176 903.2865 913.5566 923.7124 933.7513 943.6708

177 900.7155 911.0147 921.2001 931.2692 941.2193

178 898.1280 908.4558 918.6706 928.7695 938.7500

179 895.5237 905.8799 916.1236 926.2521 936.2626

180 892.9026 903.2868 913.5592 923.7168 933.7571

181 890.2646 900.6765 910.9771 921.1636 931.2333

182 887.6095 898.0487 908.3773 918.5923 928.6911

183 884.9374 895.4034 905.7595 916.0028 926.1304

184 882.2479 892.7405 903.1238 913.3949 923.5510

185 879.5411 890.0598 900.4700 910.7686 920.9528

186 876.8168 887.3613 897.7979 908.1237 918.3357

187 874.0749 884.6447 895.1075 905.4600 915.6995

188 871.3153 881.9101 892.3985 902.7775 913.0440

189 868.5378 879.1572 889.6710 900.0760 910.3692

190 865.7425 876.3860 886.9247 897.3553 907.6749

191 862.9290 873.5963 884.1595 894.6154 904.9609

192 860.0974 870.7880 881.3752 891.8560 902.2272

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

145 1020.1948 1028.7909 1037.2575 1045.5942 1053.8006

146 1018.2749 1026.9080 1035.4117 1043.7853 1052.0283

147 1016.3405 1025.0107 1033.5513 1041.9616 1050.2413

148 1014.3917 1023.0987 1031.6761 1040.1231 1048.4394

149 1012.4282 1021.1720 1029.7861 1038.2697 1046.6224

150 1010.4500 1019.2304 1027.8811 1036.4012 1044.7903

151 1008.4570 1017.2739 1025.9610 1034.5176 1042.9430

152 1006.4490 1015.3023 1024.0257 1032.6186 1041.0803

153 1004.4259 1013.3155 1022.0751 1030.7042 1039.2020

154 1002.3877 1011.3133 1020.1091 1028.7742 1037.3081

155 1000.3342 1009.2958 1018.1275 1026.8286 1035.3984

156 998.2653 1007.2626 1016.1302 1024.8672 1033.4728

157 996.1809 1005.2139 1014.1171 1022.8898 1031.5311

158 994.0809 1003.1493 1012.0881 1020.8964 1029.5733

159 991.9651 1001.0688 1010.0430 1018.8867 1027.5991

160 989.8334 998.9722 1007.9817 1016.8608 1025.6085

161 987.6857 996.8596 1005.9041 1014.8183 1023.6013

162 985.5220 994.7306 1003.8101 1012.7593 1021.5774

163 983.3420 992.5852 1001.6994 1010.6835 1019.5366

164 981.1456 990.4233 999.5721 1008.5909 1017.4788

165 978.9328 988.2447 997.4279 1006.4813 1015.4039

166 976.7034 986.0493 995.2667 1004.3546 1013.3116

167 974.4573 983.8370 993.0885 1002.2105 1011.2020

168 972.1943 981.6076 990.8930 1000.0491 1009.0747

169 969.9144 979.3611 988.6801 997.8700 1006.9298

170 967.6173 977.0972 986.4497 995.6733 1004.7669

171 965.3030 974.8159 984.2016 993.4587 1002.5860

172 962.9714 972.5170 981.9357 991.2262 1000.3870

173 960.6223 970.2004 979.6519 988.9754 998.1696

174 958.2555 967.8659 977.3501 986.7065 995.9338

175 955.8710 965.5134 975.0300 984.4190 993.6793

176 953.4687 963.1428 972.6915 982.1130 991.4060

177 951.0483 960.7539 970.3345 979.7883 989.1138

178 948.6097 958.3467 967.9588 977.4446 986.8025

179 946.1529 955.9208 965.5644 975.0819 984.4719

180 943.6776 953.4763 963.1510 972.7000 982.1219

181 941.1838 951.0129 960.7185 970.2988 979.7523

182 938.6713 948.5305 958.2667 967.8781 977.3630

183 936.1399 946.0290 955.7955 965.4377 974.9537

184 933.5896 943.5082 953.3048 962.9774 972.5244

185 931.0201 940.9679 950.7943 960.4972 970.0749

186 928.4313 938.4081 948.2640 957.9968 967.6049

187 925.8231 935.8286 945.7136 955.4761 965.1143

188 923.1954 933.2292 943.1430 952.9349 962.6030

189 920.5480 930.6097 940.5521 950.3731 960.0708

190 917.8807 927.9701 937.9407 947.7905 957.5174

191 915.1934 925.3101 935.3086 945.1868 954.9428

192 912.4859 922.6295 932.6557 942.5621 952.3467

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 4

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

193 857.2476 867.9609 878.5719 889.0771 899.4735

194 854.3793 865.1151 875.7493 886.2785 896.6997

195 851.4925 862.2502 872.9072 883.4601 893.9058

196 848.5870 859.3663 870.0457 880.6218 891.0914

197 845.6628 856.4631 867.1644 877.7633 888.2565

198 842.7197 853.5406 864.2634 874.8846 885.4010

199 839.7576 850.5986 861.3424 871.9855 882.5246

200 836.7763 847.6369 858.4013 869.0659 879.6272

201 833.7758 844.6556 855.4400 866.1255 876.7088

202 830.7560 841.6543 852.4583 863.1644 873.7690

203 827.7166 838.6331 849.4562 860.1823 870.8078

204 824.6576 835.5917 846.4334 857.1790 867.8250

205 821.5788 832.5300 843.3898 854.1545 864.8205

206 818.4802 829.4479 840.3253 851.1086 861.7941

207 815.3615 826.3453 837.2397 848.0410 858.7456

208 812.2227 823.2220 834.1330 844.9518 855.6748

209 809.0637 820.0779 831.0048 841.8407 852.5817

210 805.8842 816.9128 827.8552 838.7075 849.4660

211 802.6842 813.7266 824.6839 835.5521 846.3276

212 799.4635 810.5191 821.4908 832.3744 843.1663

213 796.2220 807.2903 818.2757 829.1742 839.9820

214 792.9596 804.0400 815.0386 825.9513 836.7744

215 789.6761 800.7680 811.7791 822.7056 833.5435

216 786.3715 797.4741 808.4973 819.4369 830.2890

217 783.0454 794.1584 805.1929 816.1450 827.0108

218 779.6979 790.8205 801.8658 812.8298 823.7086

219 776.3288 787.4603 798.5158 809.4912 820.3824

220 772.9379 784.0778 795.1428 806.1289 817.0320

221 769.5251 780.6727 791.7466 802.7428 813.6571

222 766.0903 777.2449 788.3271 799.3326 810.2575

223 762.6333 773.7942 784.8840 795.8984 806.8333

224 759.1539 770.3206 781.4173 792.4398 803.3840

225 755.6521 766.8238 777.9267 788.9567 799.9096

226 752.1277 763.3037 774.4122 785.4489 796.4098

227 748.5805 759.7601 770.8735 781.9163 792.8846

228 745.0104 756.1929 767.3104 778.3587 789.3336

229 741.4173 752.6019 763.7229 774.7759 785.7567

230 737.8009 748.9869 760.1106 771.1677 782.1538

231 734.1612 745.3479 756.4736 767.5339 778.5246

232 730.4980 741.6846 752.8115 763.8744 774.8689

233 726.8111 737.9969 749.1243 760.1890 771.1865

234 723.1004 734.2846 745.4117 756.4774 767.4773

235 719.3658 730.5475 741.6736 752.7396 763.7411

236 715.6070 726.7856 737.9098 748.9753 759.9776

237 711.8240 722.9985 734.1202 745.1843 756.1867

238 708.0165 719.1862 730.3044 741.3665 752.3682

239 704.1844 715.3485 726.4625 737.5217 748.5218

240 700.3276 711.4853 722.5941 733.6496 744.6473

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

193 909.7581 919.9284 929.9817 939.9160 949.7290

194 907.0099 917.2064 927.2866 937.2484 947.0895

195 904.2411 914.4634 924.5702 934.5591 944.4280

196 901.4515 911.6993 921.8322 931.8480 941.7443

197 898.6410 908.9139 919.0726 929.1148 939.0382

198 895.8094 906.1070 916.2912 926.3594 936.3096

199 892.9565 903.2785 913.4877 923.5817 933.5582

200 890.0823 900.4281 910.6620 920.7814 930.7840

201 887.1865 897.5558 907.8139 917.9583 927.9866

202 884.2690 894.6614 904.9433 915.1123 925.1659

203 881.3296 891.7446 902.0500 912.2431 922.3216

204 878.3682 888.8054 899.1338 909.3507 919.4537

205 875.3845 885.8435 896.1945 906.4348 916.5619

206 872.3785 882.8588 893.2319 903.4951 913.6460

207 869.3499 879.8510 890.2458 900.5316 910.7058

208 866.2987 876.8201 887.2361 897.5440 907.7411

209 863.2245 873.7658 884.2026 894.5321 904.7516

210 860.1273 870.6880 881.1451 891.4958 901.7373

211 857.0068 867.5864 878.0634 888.4347 898.6978

212 853.8630 864.4610 874.9573 885.3489 895.6331

213 850.6955 861.3114 871.8265 882.2379 892.5427

214 847.5043 858.1376 868.6710 879.1017 889.4267

215 844.2892 854.9393 865.4906 875.9399 886.2846

216 841.0500 851.7164 862.2849 872.7525 883.1164

217 837.7864 848.4686 859.0539 869.5392 879.9218

218 834.4984 845.1958 855.7972 866.2998 876.7005

219 831.1858 841.8977 852.5148 863.0341 873.4524

220 827.8483 838.5742 849.2065 859.7418 870.1773

221 824.4857 835.2251 845.8719 856.4228 866.8748

222 821.0979 831.8502 842.5109 853.0768 863.5448

223 817.6848 828.4493 839.1233 849.7036 860.1871

224 814.2460 825.0221 835.7089 846.3030 856.8014

225 810.7814 821.5686 832.2675 842.8748 853.3875

226 807.2909 818.0884 828.7988 839.4188 849.9451

227 803.7742 814.5814 825.3027 835.9346 846.4740

228 800.2311 811.0474 821.7789 832.4222 842.9741

229 796.6614 807.4861 818.2272 828.8812 839.4449

230 793.0649 803.8974 814.6473 825.3114 835.8864

231 789.4415 800.2810 811.0392 821.7127 832.2981

232 785.7909 796.6367 807.4024 818.0847 828.6800

233 782.1130 792.9643 803.7369 814.4272 825.0318

234 778.4074 789.2637 800.0424 810.7400 821.3531

235 774.6740 785.5345 796.3186 807.0228 817.6438

236 770.9127 781.7765 792.5653 803.2754 813.9035

237 767.1231 777.9896 788.7823 799.4976 810.1321

238 763.3052 774.1735 784.9694 795.6891 806.3293

239 759.4585 770.3280 781.1263 791.8497 802.4948

240 755.5831 766.4528 777.2527 787.9790 798.6283

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 5 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

241 696.4459 707.5962 718.6991 729.7501 740.7446

242 692.5391 703.6812 714.7774 725.8229 736.8134

243 688.6071 699.7402 710.8287 721.8680 732.8536

244 684.6496 695.7728 706.8528 717.8850 728.8649

245 680.6667 691.7790 702.8496 713.8738 724.8471

246 676.6579 687.7586 698.8189 709.8342 720.8001

247 672.6234 683.7114 694.7605 705.7660 716.7235

248 668.5627 679.6372 690.6741 701.6690 712.6172

249 664.4758 675.5358 686.5597 697.5429 708.4809

250 660.3626 671.4071 682.4170 693.3876 704.3145

251 656.2227 667.2509 678.2458 689.2029 700.1177

252 652.0562 663.0669 674.0460 684.9886 695.8903

253 647.8627 658.8551 669.8172 680.7444 691.6321

254 643.6421 654.6152 665.5594 676.4701 687.3428

255 639.3943 650.3470 661.2723 672.1656 683.0222

256 635.1190 646.0504 656.9558 667.8305 678.6702

257 630.8162 641.7251 652.6095 663.4648 674.2864

258 626.4855 637.3710 648.2334 659.0681 669.8707

259 622.1269 632.9879 643.8272 654.6403 665.4227

260 617.7401 628.5755 639.3907 650.1811 660.9423

261 613.3250 624.1337 634.9237 645.6904 656.4293

262 608.8814 619.6623 630.4260 641.1678 651.8833

263 604.4091 615.1611 625.8974 636.6132 647.3042

264 599.9079 610.6299 621.3376 632.0264 642.6917

265 595.3776 606.0685 616.7465 627.4070 638.0456

266 590.8181 601.4767 612.1238 622.7549 633.3656

267 586.2291 596.8543 607.4694 618.0699 628.6514

268 581.6105 592.2010 602.7829 613.3517 623.9029

269 576.9621 587.5167 598.0643 608.6001 619.1198

270 572.2836 582.8012 593.3131 603.8148 614.3018

271 567.5749 578.0543 588.5294 598.9956 609.4487

272 562.8358 573.2757 583.7127 594.1423 604.5601

273 558.0661 568.4653 578.8629 589.2546 599.6360

274 553.2656 563.6228 573.9798 584.3323 594.6759

275 548.4341 558.7480 569.0631 579.3751 589.6796

276 543.5714 553.8407 564.1126 574.3828 584.6470

277 538.6773 548.9007 559.1281 569.3551 579.5776

278 533.7516 543.9277 554.1093 564.2919 574.4713

279 528.7941 538.9216 549.0560 559.1927 569.3277

280 523.8045 533.8822 543.9679 554.0575 564.1466

281 518.7827 528.8091 538.8449 548.8858 558.9278

282 513.7285 523.7022 533.6866 543.6776 553.6708

283 508.6417 518.5613 528.4929 538.4324 548.3756

284 503.5220 513.3861 523.2635 533.1501 543.0418

285 498.3692 508.1764 517.9981 527.8304 537.6690

286 493.1832 502.9319 512.6966 522.4730 532.2571

287 487.9637 497.6525 507.3586 517.0776 526.8057

288 482.7104 492.3379 501.9838 511.6441 521.3146

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

241 751.6785 762.5478 773.3485 784.0770 794.7296

242 747.7447 758.6127 769.4134 780.1432 790.7984

243 743.7814 754.6472 765.4471 776.1774 786.8345

244 739.7883 750.6512 761.4494 772.1794 782.8375

245 735.7654 746.6243 757.4201 768.1490 778.8072

246 731.7122 742.5665 753.3589 764.0858 774.7434

247 727.6286 738.4773 749.2655 759.9895 770.6456

248 723.5144 734.3566 745.1398 755.8600 766.5137

249 719.3694 730.2042 740.9813 751.6970 762.3474

250 715.1932 726.0197 736.7900 747.5001 758.1464

251 710.9858 721.8030 732.5654 743.2691 753.9103

252 706.7468 717.5538 728.3074 739.0037 749.6390

253 702.4760 713.2719 724.0158 734.7037 745.3320

254 698.1731 708.9569 719.6901 730.3688 740.9892

255 693.8380 704.6087 715.3302 725.9986 736.6102

256 689.4704 700.2269 710.9357 721.5929 732.1947

257 685.0700 695.8114 706.5065 717.1514 727.7424

258 680.6366 691.3619 702.0422 712.6739 723.2530

259 676.1700 686.8780 697.5426 708.1599 718.7261

260 671.6699 682.3596 693.0074 703.6093 714.1616

261 667.1360 677.8063 688.4362 699.0217 709.5590

262 662.5681 673.2180 683.8289 694.3968 704.9181

263 657.9660 668.5943 679.1851 689.7344 700.2384

264 653.3293 663.9349 674.5045 685.0341 695.5198

265 648.6579 659.2396 669.7868 680.2955 690.7619

266 643.9514 654.5082 665.0319 675.5185 685.9643

267 639.2096 649.7402 660.2392 670.7027 681.1268

268 634.4323 644.9355 655.4087 665.8477 676.2489

269 629.6191 640.0938 650.5399 660.9533 671.3304

270 624.7698 635.2148 645.6325 656.0191 666.3708

271 619.8842 630.2981 640.6863 651.0449 661.3700

272 614.9619 625.3436 635.7010 646.0302 656.3275

273 610.0027 620.3508 630.6761 640.9748 651.2429

274 605.0064 615.3196 625.6115 635.8783 646.1160

275 599.9725 610.2496 620.5068 630.7404 640.9464

276 594.9009 605.1405 615.3617 625.5607 635.7337

277 589.7912 599.9920 610.1759 620.3390 630.4775

278 584.6433 594.8038 604.9490 615.0748 625.1776

279 579.4567 589.5757 599.6807 609.7679 619.8335

280 574.2312 584.3072 594.3707 604.4178 614.4448

281 568.9665 578.9981 589.0187 599.0243 609.0113

282 563.6624 573.6481 583.6243 593.5869 603.5324

283 558.3184 568.2569 578.1872 588.1054 598.0079

284 552.9344 562.8241 572.7070 582.5793 592.4374

285 547.5100 557.3494 567.1835 577.0084 586.8204

286 542.0449 551.8326 561.6162 571.3921 581.1567

287 536.5389 546.2732 556.0049 565.7303 575.4457

288 530.9915 540.6709 550.3491 560.0224 569.6872

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 6

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

289 477.4232 486.9879 496.5722 506.1720 515.7834

290 472.1019 481.6022 491.1233 500.6612 510.2119

291 466.7462 476.1806 485.6370 495.1113 504.5998

292 461.3560 470.7229 480.1129 489.5222 498.9467

293 455.9309 465.2287 474.5509 483.8934 493.2525

294 450.4708 459.6980 468.9506 478.2248 487.5167

295 444.9754 454.1304 463.3118 472.5160 481.7391

296 439.4445 448.5256 457.6343 466.7668 475.9193

297 433.8779 442.8835 451.9177 460.9768 470.0571

298 428.2754 437.2038 446.1619 455.1459 464.1522

299 422.6366 431.4862 440.3664 449.2736 458.2042

300 416.9615 425.7305 434.5311 443.3598 452.2129

301 411.2497 419.9364 428.6557 437.4040 446.1779

302 405.5010 414.1037 422.7399 431.4061 440.0988

303 399.7152 408.2321 416.7835 425.3657 433.9754

304 393.8920 402.3214 410.7860 419.2825 427.8074

305 388.0312 396.3713 404.7474 413.1562 421.5944

306 382.1326 390.3815 398.6672 406.9865 415.3361

307 376.1958 384.3517 392.5452 400.7732 409.0322

308 370.2208 378.2818 386.3812 394.5158 402.6823

309 364.2071 372.1714 380.1748 388.2140 396.2861

310 358.1546 366.0202 373.9256 381.8677 389.8433

311 352.0630 359.8281 367.6336 375.4764 383.3535

312 345.9320 353.5947 361.2983 369.0398 376.8163

313 339.7615 347.3197 354.9194 362.5576 370.2315

314 333.5511 341.0029 348.4966 356.0295 363.5987

315 327.3006 334.6440 342.0297 349.4552 356.9175

316 321.0098 328.2426 335.5184 342.8343 350.1876

317 314.6783 321.7986 328.9623 336.1665 343.4086

318 308.3059 315.3117 322.3611 329.4515 336.5802

319 301.8924 308.7815 315.7145 322.6889 329.7021

320 295.4374 302.2077 309.0222 315.8784 322.7737

321 288.9408 295.5902 302.2840 309.0197 315.7948

322 282.4022 288.9285 295.4994 302.1124 308.7651

323 275.8214 282.2224 288.6681 295.1561 301.6841

324 269.1980 275.4716 281.7899 288.1506 294.5514

325 262.5319 268.6758 274.8644 281.0955 287.3668

326 255.8228 261.8347 267.8913 273.9903 280.1297

327 249.0703 254.9480 260.8702 266.8349 272.8399

328 242.2742 248.0154 253.8009 259.6288 265.4970

329 235.4342 241.0365 246.6830 252.3716 258.1005

330 228.5500 234.0112 239.5161 245.0630 250.6500

331 221.6214 226.9390 232.3000 237.7027 243.1453

332 214.6480 219.8196 225.0342 230.2902 235.5858

333 207.6296 212.6528 217.7186 222.8252 227.9712

334 200.5659 205.4382 210.3526 215.3074 220.3010

335 193.4565 198.1755 202.9359 207.7363 212.5750

336 186.3013 190.8644 195.4683 200.1115 204.7926

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

289 525.4025 535.0255 544.6486 554.2682 563.8806

290 519.7716 529.3366 538.9029 548.4672 558.0257

291 514.0985 523.6038 533.1118 542.6191 552.1220

292 508.3828 517.8268 527.2748 536.7234 546.1691

293 502.6243 512.0052 521.3916 530.7799 540.1665

294 496.8226 506.1388 515.4618 524.7880 534.1140

295 490.9774 500.2272 509.4851 518.7475 528.0110

296 485.0883 494.2700 503.4611 512.6579 521.8572

297 479.1550 488.2669 497.3893 506.5188 515.6521

298 473.1773 482.2176 491.2696 500.3299 509.3952

299 467.1547 476.1215 485.1013 494.0906 503.0863

300 461.0870 469.9785 478.8842 487.8007 496.7247

301 454.9737 463.7882 472.6179 481.4597 490.3101

302 448.8146 457.5501 466.3020 475.0671 483.8421

303 442.6093 451.2640 459.9361 468.6226 477.3202

304 436.3575 444.9294 453.5198 462.1257 470.7440

305 430.0587 438.5459 447.0527 455.5761 464.1129

306 423.7128 432.1133 440.5345 448.9732 457.4266

307 417.3192 425.6310 433.9646 442.3167 450.6845

308 410.8777 419.0988 427.3426 435.6061 443.8863

309 404.3879 412.5163 420.6683 428.8410 437.0314

310 397.8494 405.8830 413.9411 422.0209 430.1194

311 391.2618 399.1986 407.1607 415.1454 423.1498

312 384.6249 392.4626 400.3266 408.2140 416.1221

313 377.9382 385.6748 393.4384 401.2264 409.0359

314 371.2013 378.8346 386.4957 394.1819 401.8906

315 364.4139 371.9416 379.4980 387.0802 394.6857

316 357.5756 364.9956 372.4449 379.9208 387.4208

317 350.6860 357.9960 365.3359 372.7033 380.0954

318 343.7448 350.9424 358.1707 365.4270 372.7090

319 336.7514 343.8345 350.9488 358.0917 365.2609

320 329.7057 336.6718 343.6697 350.6968 357.7508

321 322.6071 329.4539 336.3329 343.2418 350.1782

322 315.4552 322.1803 328.9381 335.7262 342.5424

323 308.2497 314.8507 321.4847 328.1496 334.8430

324 300.9902 307.4645 313.9723 320.5114 327.0794

325 293.6762 300.0215 306.4005 312.8111 319.2511

326 286.3074 292.5210 298.7687 305.0483 311.3576

327 278.8833 284.9628 291.0765 297.2224 303.3983

328 271.4035 277.3463 283.3234 289.3329 295.3727

329 263.8676 269.6710 275.5089 281.3793 287.2802

330 256.2752 261.9367 267.6326 273.3611 279.1203

331 248.6258 254.1426 259.6939 265.2777 270.8924

332 240.9191 246.2886 251.6923 257.1287 262.5959

333 233.1546 238.3739 243.6274 248.9134 254.2302

334 225.3319 230.3983 235.4987 240.6314 245.7949

335 217.4505 222.3612 227.3056 232.2821 237.2893

336 209.5099 214.2621 219.0476 223.8650 228.7127

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 7 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 7.75 8.00 8.25 8.50 8.75

337 179.0998 183.5045 187.9493 192.4328 196.9534

338 171.8518 176.0956 180.3787 184.6996 189.0571

339 164.5570 168.6373 172.7560 176.9117 181.1032

340 157.2151 161.1293 165.0809 169.0687 173.0914

341 149.8258 153.5712 157.3530 161.1700 165.0211

342 142.3887 145.9627 149.5720 153.2154 156.8919

343 134.9036 138.3035 141.7375 145.2045 148.7035

344 127.3702 130.5933 133.8491 137.1368 140.4554

345 119.7881 122.8316 125.9065 129.0120 132.1471

346 112.1571 115.0182 117.9093 120.8296 123.7783

347 104.4768 107.1527 109.8572 112.5893 115.3484

348 96.7468 99.2348 101.7496 104.2906 106.8570

349 88.9670 91.2641 93.5864 95.9331 98.3038

350 81.1369 83.2402 85.3670 87.5165 89.6882

351 73.2562 75.1629 77.0910 79.0402 81.0097

352 65.3247 67.0317 68.7582 70.5038 72.2680

353 57.3419 58.8463 60.3681 61.9070 63.4625

354 49.3075 50.6063 51.9204 53.2493 54.5928

355 41.2213 42.3114 43.4145 44.5303 45.6585

356 33.0828 33.9612 34.8502 35.7495 36.6590

357 24.8918 25.5553 26.2270 26.9065 27.5939

358 16.6479 17.0934 17.5445 18.0009 18.4627

359 8.3507 8.5751 8.8023 9.0322 9.2649

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 9.00 9.25 9.50 9.75 10.00

337 201.5098 206.1006 210.7243 215.3795 220.0647

338 193.4498 197.8762 202.3351 206.8250 211.3447

339 185.3292 189.5884 193.8794 198.2010 202.5520

340 177.1478 181.2367 185.3568 189.5070 193.6860

341 168.9050 172.8206 176.7668 180.7423 184.7461

342 160.6004 164.3397 168.1087 171.9064 175.7317

343 152.2335 155.7934 159.3821 162.9988 166.6422

344 143.8038 147.1812 150.5864 154.0187 157.4769

345 135.3109 138.5026 141.7211 144.9657 148.2353

346 126.7544 129.7571 132.7856 135.8391 138.9167

347 118.1336 120.9442 123.7794 126.6384 129.5204

348 109.4482 112.0634 114.7018 117.3629 120.0458

349 100.6977 103.1141 105.5524 108.0120 110.4922

350 91.8815 94.0958 96.3306 98.5852 100.8591

351 82.9992 85.0080 87.0358 89.0818 91.1456

352 74.0503 75.8502 77.6673 79.5012 81.3513

353 65.0342 66.6218 68.2247 69.8427 71.4752

354 55.9506 57.3222 58.7074 60.1057 61.5169

355 46.7988 47.9510 49.1147 50.2897 51.4756

356 37.5784 38.5075 39.4461 40.3939 41.3507

357 28.2888 28.9912 29.7009 30.4176 31.1413

358 18.9296 19.4016 19.8786 20.3604 20.8469

359 9.5002 9.7380 9.9785 10.2214 10.4667

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 8

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

1 1001.8442 1001.8949 1001.9440 1001.9917 1002.0380

2 1003.7042 1003.8063 1003.9055 1004.0017 1004.0952

3 1005.5801 1005.7345 1005.8845 1006.0301 1006.1716

4 1007.4720 1007.6796 1007.8812 1008.0771 1008.2675

5 1009.3801 1009.6416 1009.8958 1010.1429 1010.3830

6 1011.3045 1011.6209 1011.9285 1012.2276 1012.5183

7 1013.2453 1013.6174 1013.9794 1014.3314 1014.6737

8 1015.2027 1015.6315 1016.0487 1016.4545 1016.8493

9 1017.1768 1017.6631 1018.1365 1018.5971 1019.0453

10 1019.1677 1019.7125 1020.2430 1020.7593 1021.2619

11 1021.1757 1021.7799 1022.3683 1022.9413 1023.4992

12 1023.2008 1023.8653 1024.5127 1025.1433 1025.7576

13 1024.9151 1025.6331 1026.3326 1027.0140 1027.6775

14 1026.6440 1027.4164 1028.1689 1028.9018 1029.6155

15 1028.3876 1029.2153 1030.0215 1030.8069 1031.5717

16 1030.1462 1031.0299 1031.8908 1032.7294 1033.5462

17 1031.9197 1032.8604 1033.7768 1034.6696 1035.5392

18 1033.7084 1034.7069 1035.6797 1036.6276 1037.5509

19 1035.5124 1036.5695 1037.5997 1038.6035 1039.5814

20 1037.3319 1038.4485 1039.5368 1040.5975 1041.6310

21 1039.1668 1040.3439 1041.4913 1042.6098 1043.6998

22 1041.0174 1042.2559 1043.4634 1044.6405 1045.7880

23 1042.8839 1044.1846 1045.4530 1046.6899 1047.8958

24 1044.7662 1046.1302 1047.4606 1048.7581 1050.0233

25 1046.3204 1047.7404 1049.1255 1050.4764 1051.7937

26 1047.8879 1049.3648 1050.8054 1052.2104 1053.5806

27 1049.4688 1051.0033 1052.5003 1053.9604 1055.3843

28 1051.0631 1052.6562 1054.2104 1055.7264 1057.2050

29 1052.6711 1054.3236 1055.9358 1057.5086 1059.0426

30 1054.2928 1056.0055 1057.6767 1059.3071 1060.8975

31 1055.9284 1057.7022 1059.4331 1061.1221 1062.7698

32 1057.5779 1059.4137 1061.2053 1062.9537 1064.6597

33 1059.2415 1061.1402 1062.9934 1064.8022 1066.5673

34 1060.9194 1062.8817 1064.7975 1066.6675 1068.4927

35 1062.6116 1064.6386 1066.6178 1068.5500 1070.4362

36 1064.3182 1066.4108 1068.4543 1070.4498 1072.3979

37 1065.6783 1067.8289 1069.9291 1071.9800 1073.9824

38 1067.0500 1069.2593 1071.4172 1073.5243 1075.5818

39 1068.4334 1070.7023 1072.9185 1075.0828 1077.1962

40 1069.8286 1072.1580 1074.4333 1076.6556 1078.8257

41 1071.2358 1073.6264 1075.9617 1078.2427 1080.4704

42 1072.6549 1075.1076 1077.5038 1079.8444 1082.1306

43 1074.0862 1076.6017 1079.0596 1081.4608 1083.8064

44 1075.5297 1078.1090 1080.6294 1083.0920 1085.4978

45 1076.9856 1079.6294 1082.2133 1084.7382 1087.2051

46 1078.4538 1081.1632 1083.8114 1086.3995 1088.9285

47 1079.9347 1082.7104 1085.4238 1088.0760 1090.6679

48 1081.4281 1084.2711 1087.0506 1089.7678 1092.4237

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

1 1002.0829 1002.1265 1002.1688 1002.2097 1002.2495

2 1004.1858 1004.2738 1004.3592 1004.4420 1004.5224

3 1006.3089 1006.4422 1006.5716 1006.6971 1006.8190

4 1008.4523 1008.6318 1008.8061 1008.9752 1009.1395

5 1010.6162 1010.8428 1011.0629 1011.2766 1011.4841

6 1012.8009 1013.0755 1013.3423 1013.6015 1013.8532

7 1015.0065 1015.3300 1015.6445 1015.9501 1016.2470

8 1017.2333 1017.6066 1017.9697 1018.3226 1018.6657

9 1019.4814 1019.9056 1020.3181 1020.7194 1021.1096

10 1021.7510 1022.2270 1022.6901 1023.1407 1023.5790

11 1024.0424 1024.5711 1025.0858 1025.5866 1026.0741

12 1026.3557 1026.9382 1027.5054 1028.0576 1028.5952

13 1028.3237 1028.9529 1029.5655 1030.1618 1030.7423

14 1030.3106 1030.9873 1031.6462 1032.2875 1032.9118

15 1032.3165 1033.0416 1033.7477 1034.4350 1035.1040

16 1034.3416 1035.1161 1035.8702 1036.6043 1037.3189

17 1036.3861 1037.2109 1038.0139 1038.7958 1039.5569

18 1038.4502 1039.3261 1040.1791 1041.0096 1041.8183

19 1040.5341 1041.4621 1042.3659 1043.2461 1044.1032

20 1042.6380 1043.6190 1044.5746 1045.5054 1046.4118

21 1044.7620 1045.7970 1046.8054 1047.7877 1048.7446

22 1046.9064 1047.9964 1049.0585 1050.0934 1051.1016

23 1049.0714 1050.2173 1051.3341 1052.4225 1053.4832

24 1051.2571 1052.4599 1053.6325 1054.7755 1055.8896

25 1053.0782 1054.3305 1055.5513 1056.7413 1057.9013

26 1054.9167 1056.2194 1057.4893 1058.7273 1059.9339

27 1056.7729 1058.1268 1059.4467 1060.7334 1061.9877

28 1058.6469 1060.0529 1061.4237 1062.7601 1064.0629

29 1060.5388 1061.9978 1063.4204 1064.8075 1066.1597

30 1062.4488 1063.9618 1065.4371 1066.8757 1068.2783

31 1064.3772 1065.9450 1067.4740 1068.9651 1070.4190

32 1066.3240 1067.9476 1069.5312 1071.0758 1072.5820

33 1068.2895 1069.9699 1071.6091 1073.2080 1074.7676

34 1070.2739 1072.0119 1073.7077 1075.3620 1076.9759

35 1072.2772 1074.0739 1075.8272 1077.5380 1079.2072

36 1074.2998 1076.1562 1077.9680 1079.7362 1081.4618

37 1075.9373 1077.8455 1079.7079 1081.5256 1083.2994

38 1077.5905 1079.5513 1081.4653 1083.3332 1085.1562

39 1079.2595 1081.2739 1083.2402 1085.1593 1087.0324

40 1080.9446 1083.0133 1085.0328 1087.0041 1088.9281

41 1082.6458 1084.7698 1086.8434 1088.8676 1090.8435

42 1084.3633 1086.5434 1088.6721 1090.7502 1092.7789

43 1086.0972 1088.3344 1090.5190 1092.6520 1094.7345

44 1087.8478 1090.1430 1092.3845 1094.5732 1096.7104

45 1089.6151 1091.9693 1094.2685 1096.5141 1098.7069

46 1091.3994 1093.8134 1096.1715 1098.4747 1100.7242

47 1093.2008 1095.6756 1098.0934 1100.4554 1102.7625

48 1095.0194 1097.5560 1100.0346 1102.4563 1104.8221

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 9 8/80

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

49 1082.5556 1085.4577 1088.2953 1091.0693 1093.7810

50 1083.6926 1086.6547 1089.5511 1092.3828 1095.1510

51 1084.8393 1087.8622 1090.8181 1093.7083 1096.5338

52 1085.9959 1089.0802 1092.0965 1095.0460 1097.9296

53 1087.1623 1090.3089 1093.3864 1096.3959 1099.3385

54 1088.3387 1091.5484 1094.6878 1097.7582 1100.7605

55 1089.5251 1092.7987 1096.0009 1099.1329 1102.1960

56 1090.7217 1094.0599 1097.3257 1100.5203 1103.6448

57 1091.9285 1095.3322 1098.6624 1101.9204 1105.1073

58 1093.1456 1096.6156 1100.0111 1103.3334 1106.5834

59 1094.3731 1097.9102 1101.3719 1104.7592 1108.0734

60 1095.6111 1099.2162 1102.7448 1106.1982 1109.5774

61 1096.4623 1100.1268 1103.7139 1107.2246 1110.6602

62 1097.3207 1101.0455 1104.6917 1108.2605 1111.7531

63 1098.1865 1101.9721 1105.6782 1109.3058 1112.8562

64 1099.0597 1102.9069 1106.6735 1110.3607 1113.9697

65 1099.9403 1103.8498 1107.6778 1111.4253 1115.0936

66 1100.8284 1104.8010 1108.6911 1112.4997 1116.2281

67 1101.7242 1105.7606 1109.7134 1113.5839 1117.3732

68 1102.6276 1106.7285 1110.7449 1114.6780 1118.5290

69 1103.5387 1107.7049 1111.7856 1115.7822 1119.6957

70 1104.4576 1108.6898 1112.8357 1116.8965 1120.8733

71 1105.3843 1109.6833 1113.8952 1118.0210 1122.0619

72 1106.3190 1110.6856 1114.9641 1119.1558 1123.2617

73 1106.8448 1111.2699 1115.6061 1119.8544 1124.0161

74 1107.3750 1111.8594 1116.2538 1120.5595 1124.7775

75 1107.9098 1112.4540 1116.9073 1121.2710 1125.5461

76 1108.4492 1113.0538 1117.5667 1121.9890 1126.3219

77 1108.9932 1113.6589 1118.2320 1122.7136 1127.1050

78 1109.5418 1114.2692 1118.9032 1123.4449 1127.8954

79 1110.0952 1114.8849 1119.5804 1124.1828 1128.6932

80 1110.6532 1115.5060 1120.2638 1124.9275 1129.4985

81 1111.2160 1116.1326 1120.9532 1125.6791 1130.3114

82 1111.7836 1116.7646 1121.6488 1126.4375 1131.1318

83 1112.3561 1117.4021 1122.3507 1127.2029 1131.9600

84 1112.9334 1118.0452 1123.0588 1127.9753 1132.7959

85 1113.0785 1118.2464 1123.3153 1128.2863 1133.1607

86 1113.2247 1118.4493 1123.5741 1128.6002 1133.5288

87 1113.3722 1118.6540 1123.8352 1128.9170 1133.9004

88 1113.5210 1118.8605 1124.0987 1129.2366 1134.2755

89 1113.6710 1119.0688 1124.3645 1129.5592 1134.6541

90 1113.8223 1119.2789 1124.6327 1129.8848 1135.0362

91 1113.9749 1119.4909 1124.9034 1130.2133 1135.4220

92 1114.1288 1119.7047 1125.1764 1130.5449 1135.8113

93 1114.2840 1119.9204 1125.4519 1130.8795 1136.2043

94 1114.4406 1120.1380 1125.7298 1131.2171 1136.6010

95 1114.5984 1120.3575 1126.0103 1131.5579 1137.0014

96 1114.7577 1120.5789 1126.2932 1131.9017 1137.4056

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

49 1096.4313 1099.0213 1101.5523 1104.0251 1106.4411

50 1097.8567 1100.5010 1103.0851 1105.6101 1108.0771

51 1099.2957 1101.9951 1104.6332 1107.2111 1109.7300

52 1100.7485 1103.5039 1106.1969 1108.8286 1111.4002

53 1102.2153 1105.0274 1107.7761 1110.4625 1113.0878

54 1103.6961 1106.5659 1109.3712 1112.1131 1114.7929

55 1105.1910 1108.1194 1110.9822 1113.7806 1116.5158

56 1106.7004 1109.6881 1112.6093 1115.4651 1118.2567

57 1108.2242 1111.2722 1114.2527 1117.1668 1120.0157

58 1109.7625 1112.8718 1115.9125 1118.8858 1121.7930

59 1111.3157 1114.4871 1117.5889 1120.6225 1123.5889

60 1112.8837 1116.1182 1119.2821 1122.3768 1125.4034

61 1114.0217 1117.3104 1120.5276 1123.6745 1126.7523

62 1115.1706 1118.5144 1121.7855 1124.9854 1128.1152

63 1116.3306 1119.7301 1123.0560 1126.3097 1129.4923

64 1117.5016 1120.9577 1124.3392 1127.6475 1130.8837

65 1118.6839 1122.1973 1125.6353 1128.9989 1132.2897

66 1119.8775 1123.4491 1126.9443 1130.3642 1133.7103

67 1121.0825 1124.7131 1128.2663 1131.7434 1135.1456

68 1122.2991 1125.9896 1129.6017 1133.1367 1136.5960

69 1123.5274 1127.2785 1130.9503 1134.5442 1138.0614

70 1124.7674 1128.5800 1132.3125 1135.9661 1139.5421

71 1126.0193 1129.8943 1133.6882 1137.4024 1141.0383

72 1127.2832 1131.2214 1135.0778 1138.8535 1142.5500

73 1128.0924 1132.0845 1135.9938 1139.8215 1143.5691

74 1128.9093 1132.9560 1136.9189 1140.7994 1144.5989

75 1129.7341 1133.8360 1137.8533 1141.7873 1145.6394

76 1130.5667 1134.7247 1138.7971 1142.7853 1146.6907

77 1131.4074 1135.6220 1139.7503 1143.7935 1147.7530

78 1132.2561 1136.5282 1140.7130 1144.8119 1148.8263

79 1133.1129 1137.4432 1141.6854 1145.8408 1149.9108

80 1133.9780 1138.3672 1142.6674 1146.8801 1151.0066

81 1134.8513 1139.3002 1143.6593 1147.9301 1152.1138

82 1135.7330 1140.2424 1144.6612 1148.9908 1153.2326

83 1136.6232 1141.1938 1145.6730 1150.0623 1154.3630

84 1137.5219 1142.1545 1146.6950 1151.1447 1155.5052

85 1137.9395 1142.6241 1147.2158 1151.7160 1156.1261

86 1138.3611 1143.0983 1147.7419 1152.2931 1156.7534

87 1138.7867 1143.5772 1148.2732 1152.8761 1157.3872

88 1139.2165 1144.0608 1148.8099 1153.4650 1158.0277

89 1139.6503 1144.5491 1149.3519 1154.0600 1158.6748

90 1140.0883 1145.0422 1149.8994 1154.6610 1159.3287

91 1140.5305 1145.5401 1150.4523 1155.2682 1159.9893

92 1140.9769 1146.0429 1151.0107 1155.8816 1160.6569

93 1141.4276 1146.5507 1151.5747 1156.5012 1161.3314

94 1141.8827 1147.0634 1152.1444 1157.1271 1162.0129

95 1142.3421 1147.5811 1152.7198 1157.7595 1162.7016

96 1142.8058 1148.1039 1153.3009 1158.3983 1163.3974

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 10

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

97 1114.4596 1120.3327 1126.0983 1131.7573 1137.3110

98 1114.1589 1120.0844 1125.9016 1131.6116 1137.2155

99 1113.8557 1119.8339 1125.7032 1131.4646 1137.1192

100 1113.5499 1119.5812 1125.5030 1131.3162 1137.0219

101 1113.2414 1119.3263 1125.3010 1131.1664 1136.9238

102 1112.9304 1119.0692 1125.0972 1131.0153 1136.8247

103 1112.6167 1118.8098 1124.8915 1130.8628 1136.7247

104 1112.3003 1118.5482 1124.6840 1130.7089 1136.6238

105 1111.9811 1118.2842 1124.4747 1130.5536 1136.5219

106 1111.6593 1118.0180 1124.2635 1130.3968 1136.4190

107 1111.3347 1117.7494 1124.0504 1130.2387 1136.3152

108 1111.0074 1117.4785 1123.8354 1130.0790 1136.2104

109 1110.1961 1116.7127 1123.1145 1129.4024 1135.5775

110 1109.3778 1115.9402 1122.3871 1128.7197 1134.9387

111 1108.5526 1115.1609 1121.6533 1128.0306 1134.2939

112 1107.7203 1114.3748 1120.9129 1127.3353 1133.6430

113 1106.8809 1113.5818 1120.1658 1126.6335 1132.9860

114 1106.0343 1112.7819 1119.4120 1125.9254 1132.3229

115 1105.1805 1111.9750 1118.6515 1125.2107 1131.6536

116 1104.3194 1111.1611 1117.8842 1124.4895 1130.9780

117 1103.4509 1110.3400 1117.1100 1123.7617 1130.2960

118 1102.5751 1109.5117 1116.3288 1123.0272 1129.6077

119 1101.6917 1108.6762 1115.5407 1122.2860 1128.9129

120 1100.8008 1107.8334 1114.7455 1121.5380 1128.2116

121 1099.3976 1106.4665 1113.4146 1120.2423 1126.9507

122 1097.9823 1105.0877 1112.0717 1118.9348 1125.6781

123 1096.5550 1103.6969 1110.7168 1117.6154 1124.3935

124 1095.1154 1102.2938 1109.3497 1116.2838 1123.0968

125 1093.6636 1100.8785 1107.9704 1114.9400 1121.7880

126 1092.1994 1099.4508 1106.5788 1113.5839 1120.4670

127 1090.7226 1098.0106 1105.1747 1112.2154 1119.1335

128 1089.2333 1096.5578 1103.7580 1110.8343 1117.7876

129 1087.7312 1095.0923 1102.3286 1109.4406 1116.4290

130 1086.2163 1093.6140 1100.8864 1108.0340 1115.0577

131 1084.6885 1092.1227 1099.4313 1106.6146 1113.6735

132 1083.1476 1090.6184 1097.9631 1105.1822 1112.2764

133 1081.5935 1089.1010 1096.4818 1103.7367 1110.8661

134 1080.0262 1087.5702 1094.9873 1102.2779 1109.4427

135 1078.4455 1086.0261 1093.4793 1100.8057 1108.0059

136 1076.8513 1084.4684 1091.9578 1099.3200 1106.5556

137 1075.2434 1082.8971 1090.4227 1097.8208 1105.0917

138 1073.6219 1081.3121 1088.8739 1096.3077 1103.6141

139 1071.9865 1079.7132 1087.3112 1094.7808 1102.1227

140 1070.3371 1078.1003 1085.7344 1093.2399 1100.6173

141 1068.6736 1076.4733 1084.1436 1091.6849 1099.0977

142 1066.9959 1074.8320 1082.5385 1090.1156 1097.5639

143 1065.3039 1073.1764 1080.9190 1088.5320 1096.0158

144 1063.5974 1071.5063 1079.2850 1086.9338 1094.4531

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

97 1142.7604 1148.1068 1153.3515 1158.4958 1163.5411

98 1142.7145 1148.1097 1153.4025 1158.5942 1163.6863

99 1142.6682 1148.1127 1153.4541 1158.6937 1163.8330

100 1142.6214 1148.1157 1153.5062 1158.7943 1163.9812

101 1142.5742 1148.1187 1153.5588 1158.8958 1164.1310

102 1142.5265 1148.1218 1153.6120 1158.9984 1164.2823

103 1142.4783 1148.1249 1153.6657 1159.1020 1164.4352

104 1142.4297 1148.1280 1153.7199 1159.2067 1164.5897

105 1142.3807 1148.1312 1153.7747 1159.3124 1164.7458

106 1142.3311 1148.1344 1153.8300 1159.4192 1164.9036

107 1142.2811 1148.1376 1153.8858 1159.5272 1165.0629

108 1142.2306 1148.1408 1153.9423 1159.6362 1165.2240

109 1141.6408 1147.5934 1153.4366 1159.1717 1164.7999

110 1141.0453 1147.0406 1152.9259 1158.7024 1164.3714

111 1140.4441 1146.4824 1152.4101 1158.2283 1163.9385

112 1139.8371 1145.9188 1151.8891 1157.7494 1163.5011

113 1139.2244 1145.3496 1151.3629 1157.2656 1163.0590

114 1138.6057 1144.7748 1150.8315 1156.7769 1162.6124

115 1137.9811 1144.1944 1150.2947 1156.2832 1162.1612

116 1137.3505 1143.6084 1149.7526 1155.7844 1161.7052

117 1136.7139 1143.0166 1149.2050 1155.2806 1161.2445

118 1136.0712 1142.4190 1148.6520 1154.7716 1160.7790

119 1135.4224 1141.8155 1148.0934 1154.2574 1160.3086

120 1134.7673 1141.2061 1147.5293 1153.7379 1159.8334

121 1133.5406 1140.0131 1146.3693 1152.6104 1158.7376

122 1132.3022 1138.8084 1145.1977 1151.4713 1157.6305

123 1131.0520 1137.5919 1144.0144 1150.3206 1156.5118

124 1129.7897 1136.3635 1142.8193 1149.1581 1155.3814

125 1128.5154 1135.1231 1141.6122 1147.9838 1154.2393

126 1127.2288 1133.8705 1140.3930 1146.7975 1153.0853

127 1125.9299 1132.6056 1139.1616 1145.5991 1151.9193

128 1124.6186 1131.3284 1137.9180 1144.3885 1150.7411

129 1123.2947 1130.0387 1136.6619 1143.1655 1149.5507

130 1121.9581 1128.7363 1135.3932 1141.9300 1148.3478

131 1120.6087 1127.4212 1134.1118 1140.6819 1147.1324

132 1119.2464 1126.0932 1132.8177 1139.4210 1145.9044

133 1117.8710 1124.7522 1131.5106 1138.1473 1144.6636

134 1116.4824 1123.3980 1130.1904 1136.8606 1143.4098

135 1115.0806 1122.0306 1128.8570 1135.5607 1142.1430

136 1113.6653 1120.6499 1127.5103 1134.2476 1140.8630

137 1112.2364 1119.2555 1126.1501 1132.9211 1139.5696

138 1110.7938 1117.8476 1124.7763 1131.5810 1138.2628

139 1109.3375 1116.4259 1123.3888 1130.2273 1136.9424

140 1107.8671 1114.9902 1121.9874 1128.8597 1135.6082

141 1106.3827 1113.5405 1120.5720 1127.4782 1134.2601

142 1104.8840 1112.0766 1119.1424 1126.0825 1132.8980

143 1103.3710 1110.5983 1117.6986 1124.6727 1131.5216

144 1101.8435 1109.1056 1116.2403 1123.2484 1130.1310

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 11 8/80

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

145 1061.8764 1069.8216 1077.6364 1085.3210 1092.8758

146 1060.1406 1068.1222 1075.9730 1083.6934 1091.2837

147 1058.3901 1066.4079 1074.2947 1082.0508 1089.6766

148 1056.6245 1064.6785 1072.6014 1080.3933 1088.0545

149 1054.8439 1062.9341 1070.8929 1078.7205 1086.4172

150 1053.0481 1061.1744 1069.1691 1077.0324 1084.7645

151 1051.2370 1059.3993 1067.4298 1075.3288 1083.0964

152 1049.4104 1057.6086 1065.6750 1073.6096 1081.4126

153 1047.5681 1055.8023 1063.9045 1071.8746 1079.7130

154 1045.7102 1053.9802 1062.1181 1070.1237 1077.9975

155 1043.8363 1052.1421 1060.3156 1068.3568 1076.2659

156 1041.9465 1050.2880 1058.4971 1066.5737 1074.5180

157 1040.0405 1048.4176 1056.6622 1064.7743 1072.7538

158 1038.1183 1046.5309 1054.8109 1062.9583 1070.9730

159 1036.1796 1044.6277 1052.9431 1061.1257 1069.1756

160 1034.2243 1042.7078 1051.0585 1059.2763 1067.3613

161 1032.2524 1040.7711 1049.1570 1057.4099 1065.5300

162 1030.2636 1038.8174 1047.2385 1055.5265 1063.6815

163 1028.2579 1036.8467 1045.3028 1053.6258 1061.8157

164 1026.2350 1034.8587 1043.3497 1051.7076 1059.9324

165 1024.1948 1032.8534 1041.3792 1049.7719 1058.0314

166 1022.1372 1030.8304 1039.3910 1047.8184 1056.1126

167 1020.0620 1028.7898 1037.3850 1045.8470 1054.1758

168 1017.9691 1026.7313 1035.3610 1043.8576 1052.2209

169 1015.8583 1024.6549 1033.3189 1041.8499 1050.2477

170 1013.7295 1022.5602 1031.2585 1039.8238 1048.2559

171 1011.5825 1020.4472 1029.1796 1037.7791 1046.2455

172 1009.4171 1018.3157 1027.0821 1035.7157 1044.2162

173 1007.2333 1016.1656 1024.9658 1033.6334 1042.1679

174 1005.0308 1013.9967 1022.8306 1031.5320 1040.1004

175 1002.8095 1011.8088 1020.6762 1029.4113 1038.0135

176 1000.5692 1009.6017 1018.5026 1027.2712 1035.9071

177 998.3098 1007.3753 1016.3094 1025.1115 1033.7809

178 996.0311 1005.1295 1014.0967 1022.9319 1031.6347

179 993.7329 1002.8640 1011.8641 1020.7324 1029.4685

180 991.4151 1000.5787 1009.6115 1018.5127 1027.2819

181 989.0775 998.2733 1007.3387 1016.2727 1025.0748

182 986.7200 995.9478 1005.0455 1014.0122 1022.8471

183 984.3423 993.6020 1002.7318 1011.7309 1020.5985

184 981.9443 991.2356 1000.3974 1009.4287 1018.3287

185 979.5258 988.8486 998.0421 1007.1054 1016.0377

186 977.0866 986.4406 995.6657 1004.7608 1013.7253

187 974.6266 984.0116 993.2680 1002.3948 1011.3911

188 972.1456 981.5613 990.8488 1000.0070 1009.0351

189 969.6434 979.0896 988.4079 997.5973 1006.6570

190 967.1198 976.5962 985.9452 995.1656 1004.2565

191 964.5747 974.0810 983.4604 992.7116 1001.8336

192 962.0079 971.5439 980.9533 990.2350 999.3880

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

145 1100.3013 1107.5982 1114.7674 1121.8096 1128.7259

146 1098.7444 1106.0762 1113.2798 1120.3561 1127.3061

147 1097.1725 1104.5391 1111.7773 1118.8877 1125.8715

148 1095.5856 1102.9871 1110.2598 1117.4044 1124.4220

149 1093.9835 1101.4198 1108.7271 1115.9059 1122.9574

150 1092.3660 1099.8373 1107.1791 1114.3922 1121.4775

151 1090.7330 1098.2392 1105.6156 1112.8630 1119.9823

152 1089.0843 1096.6254 1104.0364 1111.3181 1118.4714

153 1087.4199 1094.9959 1102.4415 1109.7575 1116.9448

154 1085.7395 1093.3504 1100.8306 1108.1810 1115.4023

155 1084.0430 1091.6888 1099.2037 1106.5884 1113.8437

156 1082.3303 1090.0109 1097.5604 1104.9795 1112.2689

157 1080.6011 1088.3166 1095.9007 1103.3542 1110.6777

158 1078.8554 1086.6057 1094.2245 1101.7123 1109.0700

159 1077.0929 1084.8780 1092.5314 1100.0536 1107.4454

160 1075.3136 1083.1335 1090.8214 1098.3780 1105.8040

161 1073.5172 1081.3718 1089.0944 1096.6854 1104.1454

162 1071.7035 1079.5929 1087.3500 1094.9754 1102.4696

163 1069.8725 1077.7966 1085.5882 1093.2479 1100.7763

164 1068.0240 1075.9827 1083.8088 1091.5029 1099.0654

165 1066.1577 1074.1510 1082.0116 1089.7400 1097.3367

166 1064.2736 1072.3014 1080.1965 1087.9591 1095.5899

167 1062.3714 1070.4337 1078.3631 1086.1601 1093.8250

168 1060.4509 1068.5477 1076.5115 1084.3426 1092.0417

169 1058.5121 1066.6432 1074.6413 1082.5067 1090.2398

170 1056.5547 1064.7201 1072.7524 1080.6520 1088.4191

171 1054.5785 1062.7782 1070.8447 1078.7783 1086.5795

172 1052.5834 1060.8172 1068.9178 1076.8855 1084.7207

173 1050.5691 1058.8371 1066.9717 1074.9734 1082.8425

174 1048.5356 1056.8375 1065.0062 1073.0418 1080.9448

175 1046.4826 1054.8184 1063.0209 1071.0905 1079.0273

176 1044.4099 1052.7795 1061.0159 1069.1192 1077.0898

177 1042.3173 1050.7206 1058.9907 1067.1278 1075.1322

178 1040.2047 1048.6416 1056.9454 1065.1161 1073.1541

179 1038.0718 1046.5422 1054.8795 1063.0839 1071.1555

180 1035.9185 1044.4223 1052.7930 1061.0309 1069.1360

181 1033.7446 1042.2816 1050.6857 1058.9569 1067.0955

182 1031.5498 1040.1199 1048.5573 1056.8618 1065.0337

183 1029.3340 1037.9371 1046.4075 1054.7453 1062.9505

184 1027.0969 1035.7329 1044.2363 1052.6072 1060.8456

185 1024.8385 1033.5071 1042.0434 1050.4473 1058.7187

186 1022.5583 1031.2595 1039.8286 1048.2653 1056.5697

187 1020.2563 1028.9899 1037.5916 1046.0610 1054.3983

188 1017.9323 1026.6981 1035.3322 1043.8343 1052.2043

189 1015.5860 1024.3839 1033.0502 1041.5848 1049.9874

190 1013.2172 1022.0470 1030.7454 1039.3123 1047.7474

191 1010.8257 1019.6872 1028.4176 1037.0166 1045.4841

192 1008.4113 1017.3043 1026.0665 1034.6975 1043.1972

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 12

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

193 959.4191 968.9845 978.4238 987.7358 996.9194

194 956.8082 966.4027 975.8716 985.2137 994.4277

195 954.1750 963.7984 973.2966 982.6684 991.9126

196 951.5193 961.1712 970.6985 980.0998 989.3740

197 948.8409 958.5211 968.0771 977.5077 986.8115

198 946.1396 955.8477 965.4323 974.8918 984.2251

199 943.4153 953.1510 962.7637 972.2519 981.6144

200 940.6677 950.4307 960.0712 969.5878 978.9792

201 937.8966 947.6866 957.3547 966.8993 976.3193

202 935.1019 944.9185 954.6137 964.1862 973.6344

203 932.2833 942.1261 951.8483 961.4482 970.9244

204 929.4406 939.3093 949.0580 958.6851 968.1890

205 926.5736 936.4679 946.2428 955.8966 965.4280

206 923.6822 933.6016 943.4023 953.0826 962.6410

207 920.7660 930.7102 940.5364 950.2429 959.8280

208 917.8250 927.7936 937.6448 947.3770 956.9885

209 914.8588 924.8514 934.7274 944.4849 954.1225

210 911.8673 921.8834 931.7837 941.5663 951.2295

211 908.8502 918.8895 928.8138 938.6210 948.3095

212 905.8074 915.8694 925.8172 935.6486 945.3620

213 902.7385 912.8229 922.7937 932.6490 942.3870

214 899.6435 909.7497 919.7432 929.6219 939.3840

215 896.5220 906.6496 916.6653 926.5670 936.3529

216 893.3738 903.5224 913.5599 923.4842 933.2934

217 890.1988 900.3679 910.4267 920.3731 930.2052

218 886.9967 897.1857 907.2653 917.2335 927.0881

219 883.7671 893.9757 904.0757 914.0650 923.9417

220 880.5101 890.7376 900.8575 910.8676 920.7658

221 877.2251 887.4712 897.6105 907.6408 917.5602

222 873.9122 884.1762 894.3343 904.3845 914.3245

223 870.5709 880.8523 891.0289 901.0983 911.0584

224 867.2011 877.4994 887.6938 897.7820 907.7618

225 863.8025 874.1171 884.3288 894.4352 904.4342

226 860.3749 870.7053 880.9337 891.0579 901.0755

227 856.9180 867.2635 877.5082 887.6495 897.6852

228 853.4315 863.7917 874.0520 884.2099 894.2632

229 849.9153 860.2895 870.5648 880.7388 890.8091

230 846.3691 856.7566 867.0464 877.2358 887.3226

231 842.7925 853.1929 863.4965 873.7008 883.8034

232 839.1854 849.5979 859.9147 870.1333 880.2512

233 835.5475 845.9715 856.3009 866.5331 876.6658

234 831.8786 842.3134 852.6547 862.9000 873.0467

235 828.1783 838.6233 848.9759 859.2335 869.3937

236 824.4464 834.9008 845.2641 855.5334 865.7064

237 820.6826 831.1458 841.5190 851.7994 861.9846

238 816.8866 827.3580 837.7404 848.0312 858.2278

239 813.0583 823.5370 833.9279 844.2285 854.4359

240 809.1972 819.6825 830.0813 840.3908 850.6084

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

193 1005.9737 1014.8981 1023.6919 1032.3548 1040.8865

194 1003.5128 1012.4683 1021.2935 1029.9881 1038.5518

195 1001.0283 1010.0147 1018.8712 1027.5972 1036.1927

196 998.5200 1007.5371 1016.4246 1025.1820 1033.8090

197 995.9877 1005.0352 1013.9535 1022.7421 1031.4005

198 993.4311 1002.5089 1011.4578 1020.2773 1028.9669

199 990.8500 999.9578 1008.9371 1017.7873 1026.5080

200 988.2441 997.3817 1006.3912 1015.2719 1024.0235

201 985.6133 994.7804 1003.8198 1012.7308 1021.5130

202 982.9573 992.1536 1001.2227 1010.1638 1018.9765

203 980.2758 989.5011 998.5997 1007.5706 1016.4135

204 977.5686 986.8227 995.9504 1004.9509 1013.8238

205 974.8355 984.1180 993.2746 1002.3045 1011.2071

206 972.0761 981.3868 990.5720 999.6310 1008.5632

207 969.2904 978.6289 987.8425 996.9303 1005.8917

208 966.4779 975.8440 985.0856 994.2020 1003.1924

209 963.6385 973.0318 982.3012 991.4458 1000.4650

210 960.7719 970.1920 979.4889 988.6615 997.7091

211 957.8778 967.3245 976.6485 985.8488 994.9246

212 954.9559 964.4289 973.7797 983.0074 992.1111

213 952.0061 961.5049 970.8822 980.1370 989.2682

214 949.0280 958.5523 967.9558 977.2372 986.3958

215 946.0214 955.5708 965.0000 974.3079 983.4934

216 942.9859 952.5601 962.0148 971.3486 980.5608

217 939.9214 949.5199 958.9996 968.3592 977.5976

218 936.8274 946.4500 955.9543 965.3392 974.6036

219 933.7039 943.3500 952.8786 962.2884 971.5784

220 930.5504 940.2196 949.7721 959.2065 968.5216

221 927.3667 937.0586 946.6345 956.0931 965.4331

222 924.1524 933.8666 943.4656 952.9479 962.3123

223 920.9074 930.6434 940.2649 949.7706 959.1591

224 917.6313 927.3886 937.0323 946.5608 955.9730

225 914.3237 924.1020 933.7673 943.3183 952.7537

226 910.9845 920.7832 930.4697 940.0427 949.5009

227 907.6133 917.4318 927.1391 936.7337 946.2142

228 904.2097 914.0477 923.7752 933.3909 942.8932

229 900.7736 910.6304 920.3777 930.0140 939.5377

230 897.3045 907.1797 916.9462 926.6025 936.1472

231 893.8022 903.6951 913.4804 923.1563 932.7214

232 890.2663 900.1765 909.9799 919.6749 929.2599

233 886.6965 896.6234 906.4444 916.1579 925.7624

234 883.0925 893.0355 902.8736 912.6051 922.2284

235 879.4540 889.4125 899.2670 909.0159 918.6576

236 875.7806 885.7539 895.6244 905.3902 915.0496

237 872.0720 882.0596 891.9454 901.7274 911.4040

238 868.3279 878.3291 888.2295 898.0272 907.7205

239 864.5479 874.5621 884.4765 894.2893 903.9986

240 860.7316 870.7582 880.6860 890.5132 900.2379

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 13 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

241 805.3031 815.7944 826.2003 836.5180 846.7450

242 801.3758 811.8722 822.2844 832.6097 842.8454

243 797.4150 807.9157 818.3335 828.6656 838.9093

244 793.4203 803.9245 814.3472 824.6853 834.9362

245 789.3915 799.8985 810.3251 820.6685 830.9259

246 785.3283 795.8372 806.2671 816.6150 826.8780

247 781.2303 791.7404 802.1727 812.5242 822.7922

248 777.0974 787.6078 798.0416 808.3960 818.6680

249 772.9292 783.4389 793.8735 804.2299 814.5052

250 768.7253 779.2336 789.6681 800.0256 810.3034

251 764.4856 774.9915 785.4250 795.7828 806.0622

252 760.2096 770.7123 781.1438 791.5011 801.7812

253 755.8972 766.3957 776.8244 787.1801 797.4600

254 751.5478 762.0413 772.4662 782.8195 793.0984

255 747.1614 757.6487 768.0690 778.4190 788.6959

256 742.7374 753.2178 763.6324 773.9781 784.2521

257 738.2757 748.7480 759.1560 769.4965 779.7666

258 733.7759 744.2392 754.6396 764.9739 775.2391

259 729.2376 739.6909 750.0827 760.4098 770.6691

260 724.6606 735.1028 745.4850 755.8038 766.0563

261 720.0445 730.4746 740.8460 751.1556 761.4003

262 715.3889 725.8059 736.1656 746.4648 756.7006

263 710.6936 721.0963 731.4432 741.7310 751.9568

264 705.9581 716.3455 726.6785 736.9538 747.1686

265 701.1823 711.5531 721.8711 732.1329 742.3354

266 696.3656 706.7188 717.0206 727.2677 737.4570

267 691.5078 701.8422 712.1267 722.3579 732.5328

268 686.6085 696.9230 707.1889 717.4032 727.5625

269 681.6673 691.9606 702.2070 712.4030 722.5456

270 676.6839 686.9549 697.1803 707.3570 717.4816

271 671.6580 681.9054 692.1087 702.2647 712.3702

272 666.5892 676.8117 686.9916 697.1257 707.2108

273 661.4770 671.6734 681.8287 691.9397 702.0031

274 656.3212 666.4901 676.6195 686.7060 696.7465

275 651.1213 661.2615 671.3637 681.4245 691.4407

276 645.8770 655.9872 666.0608 676.0945 686.0852

277 640.5880 650.6667 660.7103 670.7156 680.6794

278 635.2537 645.2997 655.3120 665.2875 675.2229

279 629.8739 639.8856 649.8653 659.8095 669.7153

280 624.4481 634.4243 644.3698 654.2814 664.1561

281 618.9760 628.9151 638.8250 648.7026 658.5447

282 613.4572 623.3577 633.2306 643.0727 652.8807

283 607.8912 617.7517 627.5861 637.3911 647.1636

284 602.2776 612.0966 621.8910 631.6575 641.3930

285 596.6162 606.3921 616.1449 625.8713 635.5682

286 590.9063 600.6376 610.3473 620.0321 629.6888

287 585.1477 594.8328 604.4978 614.1393 623.7543

288 579.3399 588.9772 598.5958 608.1925 617.7642

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

241 856.8788 866.9170 876.8576 886.6985 896.4380

242 852.9891 863.0383 872.9909 882.8449 892.5986

243 849.0620 859.1215 869.0855 878.9520 888.7191

244 845.0974 855.1664 865.1411 875.0193 884.7993

245 841.0948 851.1726 861.1572 871.0465 880.8386

246 837.0537 847.1397 857.1335 867.0331 876.8367

247 832.9740 843.0672 853.0695 862.9788 872.7931

248 828.8552 838.9549 848.9649 858.8831 868.7073

249 824.6969 834.8024 844.8193 854.7455 864.5790

250 820.4987 830.6091 840.6322 850.5658 860.4077

251 816.2604 826.3749 836.4033 846.3433 856.1930

252 811.9814 822.0991 832.1320 842.0778 851.9343

253 807.6614 817.7815 827.8180 837.7687 847.6313

254 803.3000 813.4216 823.4609 833.4156 843.2834

255 798.8967 809.0190 819.0603 829.0181 838.8903

256 794.4513 804.5734 814.6156 824.5757 834.4514

257 789.9633 800.0841 810.1264 820.0879 829.9663

258 785.4323 795.5510 805.5924 815.5543 825.4344

259 780.8579 790.9734 801.0131 810.9745 820.8553

260 776.2396 786.3510 796.3879 806.3479 816.2286

261 771.5771 781.6834 791.7165 801.6740 811.5536

262 766.8699 776.9700 786.9984 796.9525 806.8300

263 762.1176 772.2105 782.2331 792.1827 802.0571

264 757.3197 767.4044 777.4201 787.3643 797.2345

265 752.4758 762.5513 772.5590 782.4966 792.3617

266 747.5856 757.6506 767.6493 777.5793 787.4382

267 742.6484 752.7019 762.6905 772.6118 782.4633

268 737.6640 747.7048 757.6822 767.5936 777.4366

269 732.6318 742.6587 752.6237 762.5241 772.3576

270 727.5513 737.5633 747.5147 757.4029 767.2256

271 722.4222 732.4179 742.3545 752.2294 762.0402

272 717.2439 727.2222 737.1428 747.0031 756.8008

273 712.0160 721.9755 731.8789 741.7235 751.5068

274 706.7380 716.6776 726.5624 736.3900 746.1577

275 701.4094 711.3277 721.1928 731.0020 740.7528

276 696.0298 705.9254 715.7694 725.5590 735.2917

277 690.5986 700.4703 710.2918 720.0604 729.7736

278 685.1153 694.9617 704.7594 714.5057 724.1981

279 679.5795 689.3992 699.1717 708.8943 718.5645

280 673.9906 683.7823 693.5282 703.2257 712.8722

281 668.3482 678.1103 687.8282 697.4991 707.1206

282 662.6517 672.3828 682.0712 691.7141 701.3091

283 656.9007 666.5992 676.2566 685.8701 695.4371

284 651.0945 660.7590 670.3839 679.9663 689.5039

285 645.2326 654.8616 664.4524 674.0024 683.5089

286 639.3146 648.9065 658.4617 667.9775 677.4514

287 633.3399 642.8930 652.4110 661.8911 671.3309

288 627.3079 636.8207 646.2998 655.7426 665.1466

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 14

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

289 573.4825 583.0704 592.6410 602.1912 611.7179

290 567.5751 577.1119 586.6329 596.1349 605.6149

291 561.6172 571.1012 580.5709 590.0231 599.4548

292 555.6084 565.0380 574.4547 583.8553 593.2368

293 549.5482 558.9217 568.2836 577.6309 586.9606

294 543.4364 552.7518 562.0573 571.3495 580.6255

295 537.2723 546.5280 555.7751 565.0105 574.2311

296 531.0555 540.2498 549.4367 558.6133 567.7766

297 524.7857 533.9166 543.0415 552.1576 561.2617

298 518.4623 527.5280 536.5891 545.6426 554.6857

299 512.0849 521.0834 530.0788 539.0680 548.0481

300 505.6530 514.5825 523.5102 532.4331 541.3482

301 499.1662 508.0247 516.8828 525.7373 534.5855

302 492.6240 501.4096 510.1960 518.9802 527.7594

303 486.0259 494.7365 503.4492 512.1611 520.8693

304 479.3714 488.0051 496.6421 505.2795 513.9147

305 472.6601 481.2147 489.7740 498.3349 506.8948

306 465.8915 474.3650 482.8443 491.3266 499.8091

307 459.0650 467.4553 475.8525 484.2540 492.6570

308 452.1803 460.4851 468.7982 477.1166 485.4378

309 445.2367 453.4540 461.6806 469.9138 478.1510

310 438.2338 446.3613 454.4993 462.6450 470.7958

311 431.1711 439.2066 447.2536 455.3095 463.3717

312 424.0481 431.9893 439.9430 447.9068 455.8780

313 416.8642 424.7088 432.5670 440.4362 448.3140

314 409.6190 417.3646 425.1248 432.8971 440.6791

315 402.3119 409.9562 417.6160 425.2890 432.9726

316 394.9424 402.4829 410.0400 417.6111 425.1939

317 387.5099 394.9443 402.3960 409.8628 417.3423

318 380.0140 387.3396 394.6836 402.0435 409.4171

319 372.4540 379.6685 386.9021 394.1525 401.4175

320 364.8294 371.9302 379.0509 386.1892 393.3430

321 357.1397 364.1242 371.1293 378.1529 385.1927

322 349.3843 356.2499 363.1368 370.0429 376.9661

323 341.5627 348.3067 355.0727 361.8586 368.6623

324 333.6743 340.2940 346.9363 353.5992 360.2807

325 325.7185 332.2112 338.7271 345.2642 351.8205

326 317.6947 324.0576 330.4443 336.8527 343.2810

327 309.6025 315.8327 322.0873 328.3641 334.6614

328 301.4410 307.5359 313.6554 319.7977 325.9610

329 293.2099 299.1664 305.1480 311.1528 317.1791

330 284.9085 290.7238 296.5644 302.4287 308.3148

331 276.5361 282.2072 287.9039 293.6246 299.3675

332 268.0923 273.6161 279.1659 284.7397 290.3362

333 259.5763 264.9499 270.3495 275.7735 281.2203

334 250.9876 256.2078 261.4542 266.7250 272.0189

335 242.3255 247.3893 252.4791 257.5936 262.7312

336 233.5894 238.4935 243.4237 248.3785 253.3565

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

289 621.2181 630.6889 640.1275 649.5314 658.8978

290 615.0699 624.4971 633.8935 643.2567 652.5840

291 608.8629 618.2446 627.5972 636.9180 646.2044

292 602.5963 611.9309 621.2379 630.5145 639.7584

293 596.2697 605.5554 614.8149 624.0457 633.2452

294 589.8824 599.1175 608.3278 617.5109 626.6642

295 583.4340 592.6165 601.7758 610.9093 620.0146

296 576.9237 586.0519 595.1583 604.2404 613.2957

297 570.3511 579.4229 588.4746 597.5034 606.5069

298 563.7155 572.7291 581.7240 590.6976 599.6473

299 557.0162 565.9698 574.9060 583.8223 592.7163

300 550.2528 559.1442 568.0198 576.8769 585.7131

301 543.4246 552.2519 561.0647 569.8605 578.6369

302 536.5309 545.2920 554.0400 562.7725 571.4871

303 529.5712 538.2640 546.9451 555.6122 564.2627

304 522.5447 531.1671 539.7793 548.3788 556.9631

305 515.4510 524.0008 532.5418 541.0715 549.5875

306 508.2892 516.7643 525.2320 533.6896 542.1350

307 501.0588 509.4570 517.8490 526.2324 534.6049

308 493.7591 502.0781 510.3922 518.6991 526.9964

309 486.3895 494.6269 502.8608 511.0888 519.3086

310 478.9492 487.1028 495.2542 503.4009 511.5407

311 471.4377 479.5050 487.5714 495.6345 503.6919

312 463.8541 471.8329 479.8118 487.7887 495.7614

313 456.1979 464.0856 471.9747 479.8630 487.7482

314 448.4683 456.2624 464.0591 471.8562 479.6516

315 440.6646 448.3626 456.0644 463.7678 471.4706

316 432.7862 440.3855 447.9898 455.5968 463.2045

317 424.8322 432.3303 439.8344 447.3424 454.8522

318 416.8020 424.1962 431.5975 439.0037 446.4129

319 408.6949 415.9825 423.2782 430.5799 437.8857

320 400.5100 407.6883 414.8756 422.0701 429.2696

321 392.2468 399.3129 406.3891 413.4734 420.5639

322 383.9043 390.8555 397.8177 404.7890 411.7674

323 375.4819 382.3153 389.1606 396.0159 402.8793

324 366.9788 373.6915 380.4169 387.1533 393.8986

325 358.3942 364.9832 371.5858 378.2001 384.8244

326 349.7273 356.1897 362.6664 369.1556 375.6556

327 340.9773 347.3100 353.6578 360.0188 366.3914

328 332.1435 338.3435 344.5591 350.7887 357.0306

329 323.2251 329.2891 335.3694 341.4643 347.5724

330 314.2212 320.1460 326.0878 332.0448 338.0156

331 305.1310 310.9135 316.7134 322.5291 328.3592

332 295.9536 301.5905 307.2452 312.9163 318.6023

333 286.6884 292.1762 297.6824 303.2054 308.7437

334 277.3343 282.6698 288.0239 293.3953 298.7825

335 267.8906 273.0703 278.2689 283.4850 288.7175

336 258.3564 263.3767 268.4163 273.4736 278.5476

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 15 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 10.25 10.50 10.75 11.00 11.25

337 224.7787 229.5200 234.2872 239.0789 243.8939

338 215.8927 220.4679 225.0688 229.6941 234.3426

339 206.9309 211.3366 215.7678 220.2232 224.7017

340 197.8925 202.1254 206.3835 210.6656 214.9705

341 188.7769 192.8336 196.9151 201.0203 205.1480

342 179.5834 183.4605 187.3619 191.2866 195.2334

343 170.3114 174.0054 177.7232 181.4637 185.2259

344 160.9602 164.4676 167.9980 171.5507 175.1246

345 151.5291 154.8463 158.1858 161.5468 164.9285

346 142.0175 145.1408 148.2857 151.4513 154.6369

347 132.4246 135.3504 138.2968 141.2632 144.2488

348 122.7498 125.4743 128.2185 130.9818 133.7633

349 112.9924 115.5118 118.0499 120.6060 123.1795

350 103.1516 105.4622 107.7902 110.1352 112.4965

351 93.2267 95.3246 97.4386 99.5684 101.7133

352 83.2171 85.0983 86.9943 88.9047 90.8291

353 73.1220 74.7825 76.4564 78.1433 79.8428

354 62.9406 64.3765 65.8241 67.2832 68.7535

355 52.6723 53.8794 55.0966 56.3236 57.5602

356 42.3163 43.2904 44.2729 45.2635 46.2620

357 31.8718 32.6088 33.3523 34.1020 34.8579

358 21.3381 21.8338 22.3339 22.8383 23.3468

359 10.7144 10.9644 11.2167 11.4712 11.7279

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 11.50 11.75 12.00 12.25 12.50

337 248.7308 253.5883 258.4651 263.3601 268.2718

338 239.0130 243.7040 248.4145 253.1432 257.8890

339 229.2020 233.7230 238.2634 242.8221 247.3980

340 219.2970 223.6442 228.0107 232.3956 236.7977

341 209.2972 213.4667 217.6555 221.8627 226.0870

342 199.2014 203.1896 207.1968 211.2222 215.2647

343 189.0089 192.8118 196.6335 200.4731 204.3297

344 178.7188 182.3324 185.9645 189.6143 193.2808

345 168.3300 171.7504 175.1889 178.6446 182.1168

346 157.8417 161.0648 164.3055 167.5630 170.8366

347 147.2528 150.2746 153.3133 156.3682 159.4388

348 136.5625 139.3787 142.2111 145.0592 147.9222

349 125.7697 128.3761 130.9979 133.6347 136.2858

350 114.8735 117.2658 119.6726 122.0936 124.5281

351 103.8729 106.0467 108.2341 110.4347 112.6479

352 92.7669 94.7177 96.6811 98.6567 100.6440

353 81.5544 83.2778 85.0127 86.7585 88.5150

354 70.2345 71.7259 73.2275 74.7389 76.2597

355 58.8060 60.0609 61.3245 62.5965 63.8767

356 47.2681 48.2817 49.3025 50.3302 51.3648

357 35.6196 36.3871 37.1602 37.9387 38.7225

358 23.8595 24.3761 24.8965 25.4207 25.9485

359 11.9866 12.2474 12.5102 12.7749 13.0415

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 16

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

1 1002.2880 1002.3253 1002.3615 1002.3965 1002.4305

2 1004.6003 1004.6758 1004.7491 1004.8201 1004.8889

3 1006.9372 1007.0518 1007.1630 1007.2708 1007.3754

4 1009.2989 1009.4535 1009.6036 1009.7492 1009.8904

5 1011.6856 1011.8812 1012.0711 1012.2554 1012.4342

6 1014.0978 1014.3353 1014.5659 1014.7898 1015.0072

7 1016.5356 1016.8159 1017.0882 1017.3528 1017.6097

8 1018.9992 1019.3234 1019.6384 1019.9445 1020.2420

9 1021.4891 1021.8580 1022.2167 1022.5655 1022.9044

10 1024.0054 1024.4202 1024.8235 1025.2159 1025.5974

11 1026.5485 1027.0100 1027.4591 1027.8961 1028.3212

12 1029.1185 1029.6280 1030.1238 1030.6065 1031.0762

13 1031.3074 1031.8574 1032.3926 1032.9135 1033.4205

14 1033.5195 1034.1109 1034.6864 1035.2465 1035.7915

15 1035.7551 1036.3889 1037.0056 1037.6058 1038.1898

16 1038.0145 1038.6915 1039.3504 1039.9916 1040.6155

17 1040.2979 1041.0191 1041.7210 1042.4042 1043.0691

18 1042.6055 1043.3719 1044.1179 1044.8440 1045.5507

19 1044.9377 1045.7502 1046.5412 1047.3112 1048.0608

20 1047.2946 1048.1542 1048.9912 1049.8062 1050.5996

21 1049.6766 1050.5843 1051.4684 1052.3292 1053.1676

22 1052.0839 1053.0407 1053.9728 1054.8807 1055.7649

23 1054.5167 1055.5238 1056.5049 1057.4608 1058.3920

24 1056.9755 1058.0337 1059.0650 1060.0700 1061.0493

25 1059.0318 1060.1335 1061.2072 1062.2534 1063.2729

26 1061.1099 1062.2561 1063.3730 1064.4614 1065.5220

27 1063.2102 1064.4016 1065.5627 1066.6943 1067.7969

28 1065.3327 1066.5704 1067.7767 1068.9522 1070.0978

29 1067.4778 1068.7627 1070.0150 1071.2356 1072.4251

30 1069.6457 1070.9787 1072.2781 1073.5447 1074.7791

31 1071.8367 1073.2188 1074.5662 1075.8797 1077.1601

32 1074.0509 1075.4831 1076.8795 1078.2410 1079.5683

33 1076.2886 1077.7719 1079.2184 1080.6288 1082.0041

34 1078.5501 1080.0856 1081.5831 1083.0436 1084.4679

35 1080.8356 1082.4243 1083.9739 1085.4855 1086.9598

36 1083.1455 1084.7883 1086.3911 1087.9548 1089.4803

37 1085.0303 1086.7192 1088.3670 1089.9746 1091.5430

38 1086.9352 1088.6710 1090.3647 1092.0171 1093.6292

39 1088.8603 1090.6440 1092.3844 1094.0826 1095.7394

40 1090.8058 1092.6383 1094.4264 1096.1713 1097.8737

41 1092.7721 1094.6542 1096.4910 1098.2835 1100.0325

42 1094.7592 1096.6920 1098.5784 1100.4194 1102.2161

43 1096.7674 1098.7519 1100.6889 1102.5794 1104.4246

44 1098.7970 1100.8340 1102.8226 1104.7637 1106.6585

45 1100.8481 1102.9388 1104.9799 1106.9726 1108.9179

46 1102.9210 1105.0663 1107.1610 1109.2063 1111.2033

47 1105.0160 1107.2169 1109.3662 1111.4652 1113.5148

48 1107.1332 1109.3907 1111.5958 1113.7494 1115.8528

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

1 1002.4634 1002.4953 1002.5261 1002.5560 1002.5849

2 1004.9555 1005.0202 1005.0828 1005.1434 1005.2022

3 1007.4768 1007.5750 1007.6703 1007.7626 1007.8521

4 1010.0274 1010.1603 1010.2891 1010.4140 1010.5352

5 1012.6078 1012.7762 1012.9396 1013.0980 1013.2518

6 1015.2183 1015.4232 1015.6220 1015.8150 1016.0023

7 1017.8592 1018.1016 1018.3369 1018.5654 1018.7873

8 1020.5310 1020.8118 1021.0846 1021.3496 1021.6071

9 1023.2339 1023.5542 1023.8655 1024.1680 1024.4621

10 1025.9684 1026.3292 1026.6800 1027.0211 1027.3528

11 1028.7348 1029.1371 1029.5285 1029.9092 1030.2796

12 1031.5334 1031.9784 1032.4114 1032.8329 1033.2430

13 1033.9138 1034.3938 1034.8609 1035.3154 1035.7576

14 1036.3219 1036.8379 1037.3399 1037.8284 1038.3037

15 1038.7581 1039.3110 1039.8489 1040.3723 1040.8816

16 1041.2227 1041.8135 1042.3883 1042.9475 1043.4917

17 1043.7161 1044.3456 1044.9583 1045.5544 1046.1344

18 1046.2385 1046.9079 1047.5593 1048.1933 1048.8101

19 1048.7904 1049.5006 1050.1918 1050.8646 1051.5194

20 1051.3721 1052.1241 1052.8561 1053.5687 1054.2624

21 1053.9839 1054.7787 1055.5526 1056.3061 1057.0398

22 1056.6261 1057.4649 1058.2817 1059.0772 1059.8519

23 1059.2992 1060.1829 1061.0438 1061.8823 1062.6991

24 1062.0035 1062.9333 1063.8392 1064.7219 1065.5819

25 1064.2662 1065.2341 1066.1771 1067.0959 1067.9911

26 1066.5554 1067.5623 1068.5434 1069.4992 1070.4305

27 1068.8713 1069.9181 1070.9381 1071.9320 1072.9003

28 1071.2142 1072.3019 1073.3619 1074.3947 1075.4010

29 1073.5844 1074.7141 1075.8149 1076.8876 1077.9329

30 1075.9823 1077.1548 1078.2976 1079.4112 1080.4965

31 1078.4081 1079.6246 1080.8102 1081.9658 1083.0921

32 1080.8622 1082.1236 1083.3533 1084.5519 1085.7202

33 1083.3450 1084.6524 1085.9270 1087.1697 1088.3812

34 1085.8568 1087.2112 1088.5319 1089.8197 1091.0754

35 1088.3978 1089.8003 1091.1682 1092.5022 1093.8033

36 1090.9685 1092.4202 1093.8364 1095.2178 1096.5652

37 1093.0730 1094.5655 1096.0215 1097.4417 1098.8271

38 1095.2020 1096.7363 1098.2330 1099.6930 1101.1173

39 1097.3558 1098.9328 1100.4712 1101.9720 1103.4361

40 1099.5348 1101.1554 1102.7365 1104.2790 1105.7838

41 1101.7392 1103.4044 1105.0291 1106.6143 1108.1609

42 1103.9693 1105.6801 1107.3495 1108.9784 1110.5678

43 1106.2254 1107.9828 1109.6979 1111.3715 1113.0047

44 1108.5079 1110.3129 1112.0746 1113.7940 1115.4721

45 1110.8169 1112.6706 1114.4801 1116.2463 1117.9703

46 1113.1530 1115.0564 1116.9146 1118.7287 1120.4997

47 1115.5162 1117.4705 1119.3786 1121.2417 1123.0608

48 1117.9071 1119.9132 1121.8723 1123.7855 1125.6539

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 17 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

49 1108.8014 1111.1069 1113.3590 1115.5586 1117.7070

50 1110.4872 1112.8417 1115.1416 1117.3882 1119.5824

51 1112.1910 1114.5953 1116.9440 1119.2383 1121.4794

52 1113.9129 1116.3679 1118.7663 1121.1093 1123.3980

53 1115.6531 1118.1597 1120.6086 1123.0012 1125.3386

54 1117.4118 1119.9708 1122.4714 1124.9145 1127.3015

55 1119.1891 1121.8017 1124.3546 1126.8493 1129.2869

56 1120.9854 1123.6523 1126.2587 1128.8059 1131.2950

57 1122.8007 1125.5230 1128.1838 1130.7845 1133.3261

58 1124.6353 1127.4140 1130.1302 1132.7853 1135.3805

59 1126.4894 1129.3254 1132.0981 1134.8086 1137.4584

60 1128.3632 1131.2576 1134.0876 1136.8548 1139.5602

61 1129.7623 1132.7058 1135.5842 1138.3986 1141.1504

62 1131.1762 1134.1698 1137.0972 1139.9598 1142.7588

63 1132.6052 1135.6496 1138.6270 1141.5385 1144.3856

64 1134.0493 1137.1455 1140.1736 1143.1350 1146.0311

65 1135.5088 1138.6576 1141.7374 1144.7495 1147.6954

66 1136.9837 1140.1860 1143.3184 1146.3822 1149.3788

67 1138.4744 1141.7310 1144.9168 1148.0332 1151.0815

68 1139.9809 1143.2927 1146.5329 1149.7028 1152.8036

69 1141.5034 1144.8714 1148.1669 1151.3911 1154.5456

70 1143.0421 1146.4672 1149.8188 1153.0985 1156.3075

71 1144.5971 1148.0802 1151.4891 1154.8250 1158.0895

72 1146.1686 1149.7107 1153.1777 1156.5710 1159.8920

73 1147.2380 1150.8294 1154.3448 1157.7856 1161.1533

74 1148.3187 1151.9601 1155.5247 1159.0139 1162.4290

75 1149.4108 1153.1031 1156.7177 1160.2559 1163.7193

76 1150.5146 1154.2585 1157.9238 1161.5120 1165.0244

77 1151.6301 1155.4265 1159.1433 1162.7822 1166.3444

78 1152.7575 1156.6070 1160.3762 1164.0666 1167.6796

79 1153.8969 1157.8004 1161.6228 1165.3655 1169.0301

80 1155.0483 1159.0067 1162.8831 1166.6791 1170.3961

81 1156.2120 1160.2260 1164.1573 1168.0074 1171.7777

82 1157.3881 1161.4586 1165.4456 1169.3506 1173.1751

83 1158.5766 1162.7045 1166.7481 1170.7090 1174.5886

84 1159.7778 1163.9639 1168.0650 1172.0826 1176.0182

85 1160.4474 1164.6814 1168.8297 1172.8937 1176.8748

86 1161.1241 1165.4068 1169.6029 1173.7138 1177.7412

87 1161.8080 1166.1400 1170.3845 1174.5432 1178.6176

88 1162.4992 1166.8811 1171.1749 1175.3820 1179.5039

89 1163.1977 1167.6303 1171.9739 1176.2301 1180.4005

90 1163.9037 1168.3876 1172.7818 1177.0878 1181.3073

91 1164.6171 1169.1530 1173.5986 1177.9552 1182.2245

92 1165.3382 1169.9268 1174.4244 1178.8323 1183.1522

93 1166.0668 1170.7090 1175.2593 1179.7193 1184.0906

94 1166.8033 1171.4996 1176.1034 1180.6163 1185.0397

95 1167.5475 1172.2988 1176.9569 1181.5233 1185.9996

96 1168.2997 1173.1067 1177.8198 1182.4406 1186.9706

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

49 1119.8052 1121.8544 1123.8556 1125.8100 1127.7186

50 1121.7256 1123.8187 1125.8629 1127.8593 1129.8090

51 1123.6683 1125.8063 1127.8944 1129.9338 1131.9257

52 1125.6337 1127.8175 1129.9505 1132.0339 1134.0687

53 1127.6220 1129.8526 1132.0314 1134.1597 1136.2386

54 1129.6335 1131.9118 1134.1374 1136.3117 1138.4356

55 1131.6685 1133.9955 1136.2689 1138.4901 1140.6600

56 1133.7273 1136.1039 1138.4262 1140.6953 1142.9123

57 1135.8100 1138.2374 1140.6095 1142.9276 1145.1927

58 1137.9171 1140.3962 1142.8192 1145.1873 1147.5016

59 1140.0487 1142.5807 1145.0556 1147.4748 1149.8394

60 1142.2052 1144.7911 1147.3191 1149.7904 1152.2064

61 1143.8408 1146.4712 1149.0428 1151.5569 1154.0147

62 1145.4955 1148.1712 1150.7873 1153.3450 1155.8456

63 1147.1695 1149.8915 1152.5530 1155.1551 1157.6994

64 1148.8630 1151.6322 1154.3399 1156.9875 1159.5763

65 1150.5763 1153.3935 1156.1485 1158.8424 1161.4767

66 1152.3095 1155.1758 1157.9789 1160.7201 1163.4009

67 1154.0630 1156.9792 1159.8314 1162.6209 1165.3491

68 1155.8370 1158.8041 1161.7063 1164.5451 1167.3217

69 1157.6316 1160.6506 1163.6039 1166.4929 1169.3189

70 1159.4472 1162.5190 1165.5244 1168.4646 1171.3411

71 1161.2839 1164.4096 1167.4681 1170.4606 1173.3886

72 1163.1421 1166.3227 1169.4352 1172.4811 1175.4617

73 1164.4492 1167.6747 1170.8314 1173.9205 1176.9435

74 1165.7715 1169.0428 1172.2443 1175.3776 1178.4439

75 1167.1092 1170.4271 1173.6744 1176.8526 1179.9630

76 1168.4625 1171.8278 1175.1217 1178.3457 1181.5012

77 1169.8316 1173.2452 1176.5865 1179.8572 1183.0585

78 1171.2167 1174.6794 1178.0691 1181.3872 1184.6354

79 1172.6180 1176.1306 1179.5695 1182.9361 1186.2319

80 1174.0356 1177.5991 1181.0881 1184.5040 1187.8484

81 1175.4697 1179.0850 1182.6250 1186.0912 1189.4851

82 1176.9206 1180.5885 1184.1805 1187.6979 1191.1422

83 1178.3884 1182.1099 1185.7547 1189.3243 1192.8201

84 1179.8733 1183.6494 1187.3480 1190.9707 1194.5189

85 1180.7747 1184.5948 1188.3366 1192.0017 1195.5917

86 1181.6865 1185.5513 1189.3371 1193.0454 1196.6778

87 1182.6091 1186.5193 1190.3497 1194.1019 1197.7775

88 1183.5423 1187.4987 1191.3745 1195.1714 1198.8909

89 1184.4865 1188.4897 1192.4118 1196.2541 1200.0183

90 1185.4417 1189.4926 1193.4615 1197.3500 1201.1598

91 1186.4080 1190.5073 1194.5239 1198.4595 1202.3155

92 1187.3856 1191.5341 1195.5992 1199.5825 1203.4857

93 1188.3746 1192.5731 1196.6875 1200.7194 1204.6705

94 1189.3752 1193.6244 1197.7889 1201.8703 1205.8701

95 1190.3874 1194.6882 1198.9036 1203.0352 1207.0847

96 1191.4114 1195.7646 1200.0318 1204.2145 1208.3145

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 18

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

97 1168.4889 1173.3406 1178.0977 1182.7618 1187.3344

98 1168.6800 1173.5770 1178.3787 1183.0866 1187.7023

99 1168.8732 1173.8160 1178.6628 1183.4151 1188.0745

100 1169.0685 1174.0576 1178.9500 1183.7472 1188.4509

101 1169.2658 1174.3018 1179.2404 1184.0831 1188.8317

102 1169.4652 1174.5486 1179.5340 1184.4228 1189.2168

103 1169.6668 1174.7981 1179.8308 1184.7663 1189.6063

104 1169.8704 1175.0503 1180.1309 1185.1137 1190.0003

105 1170.0763 1175.3053 1180.4344 1185.4650 1190.3988

106 1170.2843 1175.5630 1180.7411 1185.8202 1190.8018

107 1170.4946 1175.8235 1181.0513 1186.1794 1191.2095

108 1170.7071 1176.0869 1181.3649 1186.5427 1191.6219

109 1170.3228 1175.7418 1181.0583 1186.2740 1191.3903

110 1169.9345 1175.3930 1180.7484 1186.0022 1191.1562

111 1169.5420 1175.0404 1180.4350 1185.7274 1190.9193

112 1169.1454 1174.6839 1180.1181 1185.4495 1190.6797

113 1168.7446 1174.3237 1179.7978 1185.1685 1190.4374

114 1168.3395 1173.9595 1179.4739 1184.8843 1190.1923

115 1167.9301 1173.5914 1179.1465 1184.5969 1189.9444

116 1167.5163 1173.2192 1178.8154 1184.3063 1189.6936

117 1167.0982 1172.8431 1178.4807 1184.0124 1189.4400

118 1166.6756 1172.4629 1178.1422 1183.7153 1189.1835

119 1166.2485 1172.0785 1177.8001 1183.4147 1188.9240

120 1165.8169 1171.6900 1177.4542 1183.1108 1188.6615

121 1164.7524 1170.6561 1176.4502 1182.1362 1187.7157

122 1163.6766 1169.6110 1175.4352 1181.1507 1186.7590

123 1162.5893 1168.5545 1174.4089 1180.1540 1185.7914

124 1161.4905 1167.4866 1173.3714 1179.1462 1184.8126

125 1160.3800 1166.4072 1172.3223 1178.1270 1183.8227

126 1159.2577 1165.3160 1171.2617 1177.0964 1182.8214

127 1158.1235 1164.2130 1170.1894 1176.0541 1181.8087

128 1156.9772 1163.0981 1169.1053 1175.0001 1180.7843

129 1155.8188 1161.9711 1168.0091 1173.9343 1179.7482

130 1154.6480 1160.8319 1166.9009 1172.8565 1178.7002

131 1153.4648 1159.6803 1165.7804 1171.7665 1177.6402

132 1152.2690 1158.5163 1164.6476 1170.6643 1176.5681

133 1151.0606 1157.3397 1163.5022 1169.5497 1175.4837

134 1149.8393 1156.1503 1162.3442 1168.4226 1174.3869

135 1148.6050 1154.9480 1161.1734 1167.2828 1173.2774

136 1147.3576 1153.7327 1159.9897 1166.1301 1172.1553

137 1146.0969 1152.5042 1158.7929 1164.9645 1171.0204

138 1144.8229 1151.2625 1157.5829 1163.7858 1169.8724

139 1143.5353 1150.0072 1156.3596 1162.5938 1168.7112

140 1142.2340 1148.7384 1155.1227 1161.3884 1167.5368

141 1140.9189 1147.4558 1153.8722 1160.1694 1166.3489

142 1139.5898 1146.1594 1152.6079 1158.9367 1165.1474

143 1138.2466 1144.8489 1151.3296 1157.6902 1163.9321

144 1136.8892 1143.5242 1150.0372 1156.4296 1162.7029

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

97 1191.8171 1196.2114 1200.5190 1204.7416 1208.8806

98 1192.2274 1196.6635 1201.0122 1205.2751 1209.4537

99 1192.6426 1197.1210 1201.5113 1205.8151 1210.0341

100 1193.0626 1197.5839 1202.0164 1206.3618 1210.6216

101 1193.4875 1198.0523 1202.5277 1206.9152 1211.2166

102 1193.9174 1198.5263 1203.0451 1207.4754 1211.8189

103 1194.3523 1199.0059 1203.5687 1208.0425 1212.4288

104 1194.7922 1199.4912 1204.0987 1208.6166 1213.0463

105 1195.2373 1199.9822 1204.6351 1209.1977 1213.6715

106 1195.6876 1200.4791 1205.1780 1209.7859 1214.3046

107 1196.1431 1200.9819 1205.7274 1210.3814 1214.9456

108 1196.6040 1201.4906 1206.2835 1210.9842 1215.5945

109 1196.4090 1201.3315 1206.1597 1210.8950 1215.5393

110 1196.2117 1201.1706 1206.0343 1210.8047 1215.4833

111 1196.0122 1201.0077 1205.9075 1210.7132 1215.4266

112 1195.8103 1200.8428 1205.7791 1210.6206 1215.3693

113 1195.6060 1200.6760 1205.6491 1210.5269 1215.3112

114 1195.3994 1200.5073 1205.5176 1210.4321 1215.2524

115 1195.1903 1200.3365 1205.3845 1210.3360 1215.1928

116 1194.9789 1200.1637 1205.2498 1210.2388 1215.1325

117 1194.7649 1199.9888 1205.1135 1210.1404 1215.0715

118 1194.5485 1199.8119 1204.9755 1210.0408 1215.0097

119 1194.3295 1199.6329 1204.8358 1209.9400 1214.9471

120 1194.1080 1199.4517 1204.6945 1209.8379 1214.8837

121 1193.1903 1198.5615 1203.8311 1209.0008 1214.0723

122 1192.2618 1197.6607 1202.9574 1208.1535 1213.2507

123 1191.3226 1196.7492 1202.0730 1207.2957 1212.4189

124 1190.3723 1195.8269 1201.1780 1206.4274 1211.5767

125 1189.4110 1194.8937 1200.2722 1205.5484 1210.7239

126 1188.4385 1193.9493 1199.3554 1204.6586 1209.8605

127 1187.4547 1192.9937 1198.4276 1203.7579 1208.9863

128 1186.4593 1192.0268 1197.4885 1202.8461 1208.1012

129 1185.4524 1191.0484 1196.5381 1201.9230 1207.2050

130 1184.4337 1190.0584 1195.5762 1200.9887 1206.2976

131 1183.4031 1189.0567 1194.6027 1200.0428 1205.3788

132 1182.3605 1188.0430 1193.6174 1199.0854 1204.4486

133 1181.3057 1187.0173 1192.6202 1198.1161 1203.5068

134 1180.2386 1185.9794 1191.6110 1197.1350 1202.5531

135 1179.1591 1184.9292 1190.5896 1196.1418 1201.5876

136 1178.0669 1183.8666 1189.5558 1195.1364 1200.6100

137 1176.9621 1182.7913 1188.5095 1194.1186 1199.6201

138 1175.8443 1181.7032 1187.4506 1193.0883 1198.6179

139 1174.7135 1180.6022 1186.3789 1192.0454 1197.6032

140 1173.5695 1179.4881 1185.2943 1190.9896 1196.5758

141 1172.4122 1178.3609 1184.1965 1189.9208 1195.5355

142 1171.2414 1177.2202 1183.0855 1188.8389 1194.4822

143 1170.0569 1176.0660 1181.9611 1187.7438 1193.4158

144 1168.8585 1174.8980 1180.8230 1186.6351 1192.3360

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 19 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

145 1135.5173 1142.1851 1148.7305 1155.1549 1161.4596

146 1134.1308 1140.8315 1147.4094 1153.8658 1160.2021

147 1132.7296 1139.4633 1146.0737 1152.5622 1158.9302

148 1131.3136 1138.0803 1144.7233 1151.2439 1157.6436

149 1129.8824 1136.6822 1143.3579 1149.9109 1156.3424

150 1128.4361 1135.2690 1141.9775 1148.5628 1155.0262

151 1126.9744 1133.8406 1140.5818 1147.1995 1153.6950

152 1125.4972 1132.3966 1139.1708 1145.8209 1152.3485

153 1124.0043 1130.9370 1137.7441 1144.4268 1150.9865

154 1122.4955 1129.4616 1136.3017 1143.0171 1149.6090

155 1120.9707 1127.9702 1134.8433 1141.5914 1148.2157

156 1119.4296 1126.4626 1133.3689 1140.1498 1146.8064

157 1117.8723 1124.9387 1131.8782 1138.6919 1145.3810

158 1116.2983 1123.3983 1130.3710 1137.2176 1143.9392

159 1114.7077 1121.8412 1128.8472 1135.7267 1142.4809

160 1113.1001 1120.2673 1127.3065 1134.2190 1141.0059

161 1111.4755 1118.6763 1125.7489 1132.6944 1139.5140

162 1109.8335 1117.0680 1124.1740 1131.1526 1138.0050

163 1108.1742 1115.4424 1122.5818 1129.5935 1136.4788

164 1106.4972 1113.7991 1120.9719 1128.0169 1134.9350

165 1104.8024 1112.1380 1119.3443 1126.4225 1133.3735

166 1103.0896 1110.4589 1117.6988 1124.8102 1131.7942

167 1101.3586 1108.7617 1116.0350 1123.1797 1130.1967

168 1099.6092 1107.0460 1114.3529 1121.5309 1128.5810

169 1097.8412 1105.3118 1112.6522 1119.8635 1126.9467

170 1096.0545 1103.5587 1110.9328 1118.1774 1125.2937

171 1094.2487 1101.7867 1109.1943 1116.4723 1123.6218

172 1092.4238 1099.9955 1107.4366 1114.7481 1121.9307

173 1090.5794 1098.1849 1105.6596 1113.0044 1120.2202

174 1088.7155 1096.3547 1103.8629 1111.2411 1118.4902

175 1086.8318 1094.5046 1102.0464 1109.4580 1116.7403

176 1084.9280 1092.6345 1100.2098 1107.6548 1114.9703

177 1083.0041 1090.7441 1098.3530 1105.8313 1113.1801

178 1081.0597 1088.8333 1096.4756 1103.9874 1111.3694

179 1079.0946 1086.9018 1094.5775 1102.1226 1109.5379

180 1077.1086 1084.9493 1092.6585 1100.2369 1107.6854

181 1075.1016 1082.9757 1090.7183 1098.3300 1105.8117

182 1073.0732 1080.9807 1088.7566 1096.4017 1103.9166

183 1071.0233 1078.9641 1086.7733 1094.4516 1101.9997

184 1068.9516 1076.9256 1084.7681 1092.4796 1100.0609

185 1066.8579 1074.8651 1082.7407 1090.4854 1098.0998

186 1064.7419 1072.7822 1080.6910 1088.4688 1096.1163

187 1062.6034 1070.6768 1078.6186 1086.4295 1094.1100

188 1060.4423 1068.5485 1076.5234 1084.3672 1092.0808

189 1058.2581 1066.3972 1074.4050 1082.2818 1090.0283

190 1056.0508 1064.2226 1072.2632 1080.1729 1087.9523

191 1053.8200 1062.0245 1070.0978 1078.0403 1085.8525

192 1051.5655 1059.8025 1067.9084 1075.8836 1083.7286

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

145 1167.6462 1173.7162 1179.6712 1185.5129 1191.2428

146 1166.4198 1172.5204 1178.5055 1184.3768 1190.1358

147 1165.1790 1171.3104 1177.3257 1183.2268 1189.0151

148 1163.9238 1170.0860 1176.1317 1182.0626 1187.8803

149 1162.6540 1168.8470 1174.9232 1180.8841 1186.7313

150 1161.3693 1167.5934 1173.7002 1179.6912 1185.5680

151 1160.0696 1166.3249 1172.4623 1178.4835 1184.3902

152 1158.7548 1165.0413 1171.2095 1177.2611 1183.1976

153 1157.4246 1163.7424 1169.9416 1176.0236 1181.9901

154 1156.0789 1162.4281 1168.6583 1174.7709 1180.7675

155 1154.7175 1161.0983 1167.3595 1173.5028 1179.5296

156 1153.3402 1159.7526 1166.0450 1172.2191 1178.2763

157 1151.9469 1158.3910 1164.7147 1170.9196 1177.0073

158 1150.5373 1157.0131 1163.3683 1169.6042 1175.7224

159 1149.1112 1155.6190 1162.0056 1168.2726 1174.4215

160 1147.6685 1154.2082 1160.6264 1166.9246 1173.1043

161 1146.2090 1152.7807 1159.2306 1165.5600 1171.7706

162 1144.7325 1151.3363 1157.8179 1164.1787 1170.4203

163 1143.2387 1149.8747 1156.3881 1162.7804 1169.0531

164 1141.7275 1148.3958 1154.9411 1161.3649 1167.6688

165 1140.1987 1146.8992 1153.4766 1159.9320 1166.2672

166 1138.6520 1145.3850 1151.9943 1158.4815 1164.8481

167 1137.0873 1143.8527 1150.4942 1157.0132 1163.4112

168 1135.5044 1142.3022 1148.9759 1155.5268 1161.9564

169 1133.9029 1140.7334 1147.4393 1154.0222 1160.4834

170 1132.2828 1139.1459 1145.8842 1152.4991 1158.9919

171 1130.6438 1137.5395 1144.3102 1150.9572 1157.4819

172 1128.9857 1135.9141 1142.7172 1149.3964 1155.9529

173 1127.3082 1134.2694 1141.1050 1147.8164 1154.4049

174 1125.6111 1132.6051 1139.4733 1146.2170 1152.8375

175 1123.8943 1130.9211 1137.8219 1144.5979 1151.2505

176 1122.1574 1129.2171 1136.1505 1142.9589 1149.6437

177 1120.4003 1127.4928 1134.4589 1141.2998 1148.0168

178 1118.6226 1125.7481 1132.7469 1139.6203 1146.3695

179 1116.8242 1123.9826 1131.0142 1137.9201 1144.7017

180 1115.0049 1122.1962 1129.2605 1136.1991 1143.0130

181 1113.1643 1120.3886 1127.4857 1134.4568 1141.3032

182 1111.3022 1118.5595 1125.6894 1132.6932 1139.5720

183 1109.4184 1116.7087 1123.8715 1130.9079 1137.8192

184 1107.5126 1114.8359 1122.0315 1129.1006 1136.0445

185 1105.5846 1112.9408 1120.1693 1127.2712 1134.2476

186 1103.6342 1111.0233 1118.2846 1125.4192 1132.4282

187 1101.6609 1109.0830 1116.3772 1123.5445 1130.5861

188 1099.6646 1107.1196 1114.4467 1121.6468 1128.7209

189 1097.6451 1105.1330 1112.4928 1119.7257 1126.8325

190 1095.6020 1103.1227 1110.5154 1117.7810 1124.9204

191 1093.5350 1101.0886 1108.5141 1115.8124 1122.9845

192 1091.4439 1099.0303 1106.4886 1113.8196 1121.0243

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 20

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

193 1049.2871 1057.5565 1065.6949 1073.7027 1081.5804

194 1046.9844 1055.2861 1063.4570 1071.4973 1079.4076

195 1044.6573 1052.9911 1061.1943 1069.2671 1077.2099

196 1042.3054 1050.6713 1058.9066 1067.0117 1074.9870

197 1039.9286 1048.3263 1056.5937 1064.7311 1072.7386

198 1037.5265 1045.9560 1054.2553 1062.4247 1070.4645

199 1035.0989 1043.5599 1051.8910 1060.0924 1068.1643

200 1032.6455 1041.1379 1049.5006 1057.7339 1065.8378

201 1030.1660 1038.6897 1047.0839 1055.3488 1063.4846

202 1027.6602 1036.2149 1044.6404 1052.9369 1061.1044

203 1025.1278 1033.7133 1042.1700 1050.4978 1058.6970

204 1022.5684 1031.1847 1039.6723 1048.0313 1056.2619

205 1019.9819 1028.6286 1037.1470 1045.5371 1053.7990

206 1017.3679 1026.0448 1034.5938 1043.0148 1051.3079

207 1014.7261 1023.4331 1032.0125 1040.4642 1048.7882

208 1012.0562 1020.7930 1029.4026 1037.8848 1046.2396

209 1009.3580 1018.1244 1026.7639 1035.2764 1043.6619

210 1006.6311 1015.4268 1024.0961 1032.6387 1041.0546

211 1003.8752 1012.7000 1021.3988 1029.9713 1038.4174

212 1001.0900 1009.9437 1018.6718 1027.2739 1035.7500

213 998.2753 1007.1576 1015.9146 1024.5462 1033.0521

214 995.4306 1004.3412 1013.1270 1021.7877 1030.3232

215 992.5557 1001.4943 1010.3086 1018.9983 1027.5631

216 989.6503 998.6166 1007.4591 1016.1774 1024.7713

217 986.7140 995.7077 1004.5781 1013.3248 1021.9476

218 983.7465 992.7673 1001.6653 1010.4402 1019.0914

219 980.7475 989.7951 998.7204 1007.5230 1016.2026

220 977.7166 986.7906 995.7429 1004.5731 1013.2807

221 974.6535 983.7536 992.7326 1001.5899 1010.3253

222 971.5579 980.6837 989.6890 998.5733 1007.3360

223 968.4294 977.5805 986.6118 995.5226 1004.3125

224 965.2676 974.4437 983.5007 992.4377 1001.2543

225 962.0722 971.2730 980.3551 989.3180 998.1611

226 958.8429 968.0679 977.1749 986.1633 995.0324

227 955.5793 964.8280 973.9595 982.9730 991.8679

228 952.2810 961.5531 970.7087 979.7469 988.6671

229 948.9476 958.2427 967.4219 976.4845 985.4297

230 945.5789 954.8964 964.0989 973.1853 982.1551

231 942.1743 951.5139 960.7391 969.8491 978.8431

232 938.7336 948.0947 957.3423 966.4753 975.4931

233 935.2563 944.6385 953.9079 963.0636 972.1047

234 931.7421 941.1449 950.4357 959.6135 968.6774

235 928.1905 937.6134 946.9250 956.1245 965.2109

236 924.6012 934.0436 943.3757 952.5963 961.7047

237 920.9737 930.4352 939.7871 949.0285 958.1583

238 917.3078 926.7877 936.1589 945.4205 954.5713

239 913.6028 923.1006 932.4907 941.7719 950.9432

240 909.8585 919.3736 928.7819 938.0822 947.2735

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

193 1089.3285 1096.9476 1104.4386 1111.8023 1119.0397

194 1087.1883 1094.8401 1102.3638 1109.7602 1117.0302

195 1085.0232 1092.7076 1100.2640 1107.6930 1114.9956

196 1082.8328 1090.5498 1098.1388 1105.6004 1112.9356

197 1080.6169 1088.3664 1095.9879 1103.4821 1110.8498

198 1078.3751 1086.1570 1093.8110 1101.3377 1108.7380

199 1076.1072 1083.9214 1091.6078 1099.1670 1106.5997

200 1073.8128 1081.6593 1089.3780 1096.9696 1104.4348

201 1071.4916 1079.3703 1087.1213 1094.7452 1102.2428

202 1069.1433 1077.0541 1084.8373 1092.4934 1100.0233

203 1066.7677 1074.7104 1082.5256 1090.2140 1097.7762

204 1064.3643 1072.3389 1080.1861 1087.9065 1095.5009

205 1061.9329 1069.9392 1077.8183 1085.5707 1093.1972

206 1059.4732 1067.5110 1075.4219 1083.2062 1090.8647

207 1056.9847 1065.0540 1072.9965 1080.8126 1088.5030

208 1054.4672 1062.5678 1070.5418 1078.3896 1086.1119

209 1051.9204 1060.0521 1068.0574 1075.9368 1083.6908

210 1049.3438 1057.5065 1065.5431 1073.4539 1081.2395

211 1046.7372 1054.9307 1062.9983 1070.9404 1078.7575

212 1044.1001 1052.3243 1060.4228 1068.3961 1076.2445

213 1041.4323 1049.6869 1057.8162 1065.8205 1073.7001

214 1038.7334 1047.0183 1055.1781 1063.2132 1071.1239

215 1036.0029 1044.3179 1052.5081 1060.5738 1068.5155

216 1033.2406 1041.5854 1049.8058 1057.9021 1065.8745

217 1030.4461 1038.8206 1047.0709 1055.1974 1063.2004

218 1027.6190 1036.0229 1044.3030 1052.4596 1060.4930

219 1024.7589 1033.1919 1041.5016 1049.6881 1057.7517

220 1021.8655 1030.3274 1038.6663 1046.8825 1054.9761

221 1018.9383 1027.4288 1035.7968 1044.0424 1052.1659

222 1015.9769 1024.4958 1032.8926 1041.1675 1049.3205

223 1012.9810 1021.5280 1029.9534 1038.2572 1046.4395

224 1009.9501 1018.5249 1026.9786 1035.3111 1043.5225

225 1006.8839 1015.4862 1023.9678 1032.3288 1040.5691

226 1003.7819 1012.4114 1020.9207 1029.3098 1037.5788

227 1000.6437 1009.3000 1017.8368 1026.2538 1034.5510

228 997.4689 1006.1518 1014.7156 1023.1601 1031.4855

229 994.2570 1002.9661 1011.5566 1020.0285 1028.3816

230 991.0077 999.7426 1008.3596 1016.8583 1025.2389

231 987.7205 996.4809 1005.1238 1013.6492 1022.0569

232 984.3949 993.1804 1001.8490 1010.4007 1018.8351

233 981.0305 989.8407 998.5346 1007.1122 1015.5731

234 977.6269 986.4613 995.1802 1003.7833 1012.2703

235 974.1836 983.0418 991.7852 1000.4134 1008.9262

236 970.7001 979.5817 988.3492 997.0022 1005.5404

237 967.1759 976.0806 984.8717 993.5490 1002.1121

238 963.6107 972.5378 981.3522 990.0534 998.6411

239 960.0038 968.9530 977.7902 986.5148 995.1266

240 956.3549 965.3256 974.1851 982.9327 991.5683

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 21 8/80

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

241 906.0744 915.6063 925.0322 934.3511 943.5617

242 902.2502 911.7981 921.2411 930.5779 939.8075

243 898.3852 907.9487 917.4082 926.7624 936.0102

244 894.4792 904.0576 913.5329 922.9039 932.1694

245 890.5318 900.1243 909.6148 919.0019 928.2846

246 886.5423 896.1484 905.6535 915.0561 924.3552

247 882.5105 892.1294 901.6484 911.0659 920.3809

248 878.4358 888.0669 897.5991 907.0308 916.3610

249 874.3179 883.9604 893.5051 902.9504 912.2950

250 870.1562 879.8094 889.3658 898.8240 908.1825

251 865.9503 875.6135 885.1809 894.6512 904.0228

252 861.6997 871.3720 880.9498 890.4314 899.8155

253 857.4039 867.0847 876.6719 886.1642 895.5600

254 853.0625 862.7509 872.3469 881.8489 891.2557

255 848.6749 858.3701 867.9740 877.4852 886.9020

256 844.2408 853.9419 863.5529 873.0723 882.4985

257 839.7595 849.4657 859.0830 868.6098 878.0446

258 835.2306 844.9410 854.5637 864.0971 873.5396

259 830.6536 840.3673 849.9945 859.5336 868.9830

260 826.0280 835.7440 845.3748 854.9187 864.3741

261 821.3532 831.0707 840.7042 850.2520 859.7125

262 816.6287 826.3467 835.9819 845.5327 854.9975

263 811.8541 821.5715 831.2076 840.7604 850.2284

264 807.0287 816.7447 826.3805 835.9344 845.4047

265 802.1520 811.8655 821.5001 831.0541 840.5257

266 797.2236 806.9335 816.5658 826.1188 835.5908

267 792.2428 801.9480 811.5771 821.1281 830.5993

268 787.2090 796.9085 806.5332 816.0812 825.5507

269 782.1218 791.8145 801.4337 810.9775 820.4442

270 776.9805 786.6652 796.2779 805.8165 815.2792

271 771.7846 781.4602 791.0651 800.5973 810.0550

272 766.5334 776.1988 785.7948 795.3195 804.7710

273 761.2265 770.8804 780.4663 789.9822 799.4264

274 755.8632 765.5043 775.0789 784.5849 794.0206

275 750.4429 760.0701 769.6321 779.1269 788.5528

276 744.9651 754.5769 764.1251 773.6075 783.0224

277 739.4290 749.0243 758.5573 768.0260 777.4286

278 733.8341 743.4115 752.9280 762.3818 771.7707

279 728.1798 737.7379 747.2366 756.6740 766.0480

280 722.4653 732.0028 741.4824 750.9020 760.2597

281 716.6902 726.2056 735.6646 745.0650 754.4051

282 710.8537 720.3456 729.7825 739.1624 748.4834

283 704.9552 714.4221 723.8355 733.1934 742.4938

284 698.9940 708.4344 717.8229 727.1573 736.4356

285 692.9695 702.3819 711.7438 721.0532 730.3080

286 686.8810 696.2638 705.5977 714.8805 724.1102

287 680.7277 690.0794 699.3836 708.6383 717.8414

288 674.5091 683.8280 693.1010 702.3259 711.5007

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

241 952.6634 961.6551 970.5364 979.3066 987.9654

242 948.9288 957.9411 966.8436 975.6359 984.3175

243 945.1506 954.1829 963.1063 971.9201 980.6240

244 941.3284 950.3801 959.3237 968.1587 976.8844

245 937.4616 946.5322 955.4955 964.3509 973.0979

246 933.5497 942.6385 951.6210 960.4964 969.2642

247 929.5921 938.6987 947.6997 956.5945 965.3825

248 925.5884 934.7120 943.7310 952.6447 961.4524

249 921.5379 930.6780 939.7144 948.6463 957.4731

250 917.4402 926.5961 935.6492 944.5987 953.4440

251 913.2947 922.4657 931.5349 940.5014 949.3646

252 909.1008 918.2863 927.3709 936.3538 945.2342

253 904.8580 914.0572 923.1565 932.1551 941.0522

254 900.5657 909.7779 918.8913 927.9049 936.8178

255 896.2233 905.4478 914.5745 923.6024 932.5306

256 891.8303 901.0663 910.2055 919.2470 928.1898

257 887.3860 896.6328 905.7838 914.8381 923.7947

258 882.8899 892.1466 901.3086 910.3750 919.3447

259 878.3413 887.6071 896.7794 905.8570 914.8390

260 873.7396 883.0137 892.1954 901.2835 910.2770

261 869.0842 878.3658 887.5560 896.6538 905.6580

262 864.3746 873.6627 882.8606 891.9671 900.9813

263 859.6100 868.9037 878.1084 887.2229 896.2461

264 854.7898 864.0883 873.2989 882.4204 891.4517

265 849.9133 859.2156 868.4312 877.5588 886.5974

266 844.9800 854.2851 863.5046 872.6375 881.6824

267 839.9891 849.2960 858.5186 867.6556 876.7060

268 834.9400 844.2477 853.4723 862.6126 871.6673

269 829.8320 839.1394 848.3650 857.5075 866.5657

270 824.6644 833.9705 843.1960 852.3397 861.4003

271 819.4365 828.7402 837.9646 847.1084 856.1704

272 814.1476 823.4478 832.6699 841.8128 850.8750

273 808.7970 818.0925 827.3113 836.4521 845.5135

274 803.3840 812.6736 821.8879 831.0255 840.0850

275 797.9078 807.1904 816.3990 825.5322 834.5886

276 792.3678 801.6421 810.8438 819.9713 829.0235

277 786.7631 796.0279 805.2214 814.3421 823.3888

278 781.0930 790.3470 799.5311 808.6438 817.6837

279 775.3568 784.5987 793.7720 802.8754 811.9073

280 769.5536 778.7821 787.9434 797.0360 806.0586

281 763.6828 772.8964 782.0443 791.1249 800.1369

282 757.7434 766.9408 776.0739 785.1412 794.1412

283 751.7348 760.9145 770.0314 779.0839 788.0705

284 745.6560 754.8167 763.9159 772.9521 781.9239

285 739.5064 748.6464 757.7265 766.7450 775.7005

286 733.2850 742.4029 751.4623 760.4616 769.3993

287 726.9910 736.0852 745.1224 754.1009 763.0193

288 720.6236 729.6925 738.7059 747.6621 756.5596

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 22

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

289 668.2245 677.5089 686.7490 695.9425 705.0874

290 661.8730 671.1214 680.3268 689.4873 698.6006

291 655.4541 664.6646 673.8338 682.9594 692.0395

292 648.9670 658.1379 667.2690 676.3581 685.4032

293 642.4109 651.5405 660.6318 669.6826 678.6909

294 635.7852 644.8716 653.9213 662.9319 671.9016

295 629.0891 638.1305 647.1366 656.1053 665.0346

296 622.3218 631.3164 640.2771 649.2019 658.0888

297 615.4827 624.4284 633.3418 642.2209 651.0635

298 608.5708 617.4658 626.3300 635.1613 643.9577

299 601.5856 610.4278 619.2407 628.0223 636.7704

300 594.5261 603.3135 612.0732 620.8029 629.5008

301 587.3916 596.1222 604.8265 613.5024 622.1480

302 580.1813 588.8529 597.4997 606.1197 614.7108

303 572.8944 581.5049 590.0921 598.6540 607.1885

304 565.5301 574.0773 582.6027 591.1043 599.5799

305 558.0875 566.5692 575.0306 583.4696 591.8842

306 550.5658 558.9798 567.3749 575.7491 584.1002

307 542.9643 551.3082 559.6347 567.9417 576.2271

308 535.2819 543.5535 551.8090 560.0464 568.2638

309 527.5180 535.7148 543.8969 552.0624 560.2093

310 519.6715 527.7911 535.8974 543.9885 552.0624

311 511.7417 519.7816 527.8096 535.8238 543.8222

312 503.7276 511.6853 519.6325 527.5672 535.4876

313 495.6284 503.5013 511.3651 519.2178 527.0574

314 487.4431 495.2287 503.0064 510.7744 518.5307

315 479.1709 486.8664 494.5555 502.2360 509.9063

316 470.8107 478.4136 486.0112 493.6016 501.1830

317 462.3618 469.8692 477.3725 484.8700 492.3598

318 453.8230 461.2322 468.6385 476.0402 483.4355

319 445.1936 452.5016 459.8081 467.1111 474.4090

320 436.4724 443.6765 450.8801 458.0815 465.2790

321 427.6586 434.7558 441.8536 448.9504 456.0444

322 418.7511 425.7384 432.7274 439.7165 446.7040

323 409.7490 416.6233 423.5004 430.3787 437.2565

324 400.6513 407.4095 414.1716 420.9359 427.7008

325 391.4569 398.0959 404.7397 411.3868 418.0357

326 382.1648 388.6813 395.2037 401.7304 408.2597

327 372.7739 379.1648 385.5624 391.9652 398.3718

328 363.2833 369.5452 375.8147 382.0903 388.3705

329 353.6919 359.8214 365.9593 372.1042 378.2547

330 343.9985 349.9922 355.9951 362.0058 368.0229

331 334.2022 340.0565 345.9209 351.7938 357.6740

332 324.3018 330.0132 335.7354 341.4669 347.2064

333 314.2961 319.8612 325.4375 331.0238 336.6189

334 304.1842 309.5991 315.0258 320.4632 325.9100

335 293.9648 299.2258 304.4993 309.7839 315.0785

336 283.6369 288.7402 293.8564 298.9844 304.1228

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

289 714.1818 723.2239 732.2119 741.1441 750.0191

290 707.6650 716.6785 725.6394 734.5460 743.3969

291 701.0721 710.0553 718.9875 727.8668 736.6919

292 694.4023 703.3535 712.2552 721.1055 729.9031

293 687.6547 696.5721 705.4415 714.2611 723.0294

294 680.8283 689.7102 698.5455 707.3326 716.0698

295 673.9223 682.7668 691.5662 700.3189 709.0232

296 666.9358 675.7410 684.5026 693.2190 701.8885

297 659.8677 668.6317 677.3536 686.0318 694.6647

298 652.7172 661.4380 670.1182 678.7563 687.3505

299 645.4833 654.1588 662.7954 671.3913 679.9449

300 638.1649 646.7933 655.3841 663.9359 672.4468

301 630.7612 639.3402 647.8833 656.3887 664.8549

302 623.2711 631.7987 640.2918 648.7489 657.1681

303 615.6936 624.1676 632.6086 641.0151 649.3853

304 608.0277 616.4459 624.8326 633.1862 641.5051

305 600.2724 608.6324 616.9626 625.2611 633.5265

306 592.4266 600.7262 608.9975 617.2386 625.4481

307 584.4892 592.7262 600.9361 609.1175 617.2687

308 576.4593 584.6311 592.7774 600.8966 608.9871

309 568.3357 576.4399 584.5201 592.5746 600.6020

310 560.1173 568.1514 576.1630 584.1504 592.1121

311 551.8030 559.7645 567.7049 575.6226 583.5160

312 543.3917 551.2780 559.1446 566.9899 574.8125

313 534.8823 542.6907 550.4808 558.2512 566.0002

314 526.2736 534.0014 541.7124 549.4050 557.0777

315 517.5645 525.2090 532.8380 540.4501 548.0438

316 508.7538 516.3121 523.8564 531.3852 538.8968

317 499.8403 507.3096 514.7663 522.2088 529.6356

318 490.8227 498.2002 505.5663 512.9196 520.2586

319 481.7000 488.9826 496.2552 503.5163 510.7643

320 472.4709 479.6556 486.8316 493.9973 501.1514

321 463.1341 470.2178 477.2940 484.3614 491.4184

322 453.6883 460.6679 467.6413 474.6070 481.5636

323 444.1324 451.0046 457.8719 464.7327 471.5857

324 434.4649 441.2266 447.9844 454.7371 461.4831

325 424.6847 431.3325 437.9775 444.6185 451.2542

326 414.7904 421.3208 427.8497 434.3756 440.8974

327 404.7806 411.1903 417.5995 424.0068 430.4111

328 394.6541 400.9395 407.2254 413.5106 419.7938

329 384.4094 390.5669 396.7260 402.8853 409.0438

330 374.0452 380.0712 386.0997 392.1295 398.1593

331 363.5601 369.4508 375.3450 381.2414 387.1389

332 352.9526 358.7043 364.4604 370.2195 375.9806

333 342.2214 347.8302 353.4442 359.0621 364.6829

334 331.3650 336.8270 342.2949 347.7676 353.2440

335 320.3820 325.6931 331.0109 336.3343 341.6621

336 309.2708 314.4270 319.5906 324.7604 329.9354

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

Page 23 8/80

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4240.2 REV CHG 3

APPENDIX 13

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

OUTSTANDING PRINCIPAL BALANCE FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

INSTALLMENT

NUMBER 12.75 13.00 13.25 13.50 13.75

337 273.1992 278.1410 283.0961 288.0634 293.0417

338 262.6506 267.4270 272.2169 277.0195 281.8335

339 251.9899 256.5968 261.2177 265.8514 270.4969

340 241.2160 245.6494 250.0970 254.5576 259.0305

341 230.3276 234.5834 238.8534 243.1368 247.4326

342 219.3235 223.3975 227.4858 231.5875 235.7018

343 208.2025 212.0904 215.9926 219.9083 223.8367

344 196.9633 200.6608 204.3725 208.0977 211.8355

345 185.6047 189.1074 192.6241 196.1542 199.6969

346 174.1254 177.4288 180.7460 184.0764 187.4192

347 162.5241 165.6237 168.7367 171.8626 175.0007

348 150.7996 153.6907 156.5949 159.5115 162.4400

349 138.9505 141.6285 144.3189 147.0214 149.7354

350 126.9756 129.4355 131.9075 134.3909 136.8852

351 114.8734 117.1105 119.3589 121.6182 123.8878

352 102.6425 104.6520 106.6719 108.7018 110.7414

353 90.2818 92.0585 93.8447 95.6401 97.4444

354 77.7897 79.3285 80.8759 82.4315 83.9950

355 65.1649 66.4607 67.7639 69.0743 70.3915

356 52.4059 53.4534 54.5071 55.5668 56.6322

357 39.5114 40.3053 41.1040 41.9073 42.7152

358 26.4799 27.0147 27.5528 28.0942 28.6387

359 13.3099 13.5801 13.8521 14.1257 14.4009

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

INSTALLMENT

NUMBER 14.00 14.25 14.50 14.75 15.00

337 298.0299 303.0271 308.0322 313.0442 318.0621

338 286.6580 291.4919 296.3342 301.1841 306.0405

339 275.1533 279.8196 284.4949 289.1781 293.8685

340 263.5145 268.0088 272.5124 277.0246 281.5444

341 251.7398 256.0577 260.3852 264.7217 269.0662

342 239.8278 243.9647 248.1115 252.2676 256.4321

343 227.7768 231.7280 235.6895 239.6604 243.6400

344 215.5852 219.3461 223.1173 226.8982 230.6881

345 203.2514 206.8171 210.3932 213.9792 217.5742

346 190.7737 194.1394 197.5154 200.9013 204.2964

347 178.1504 181.3110 184.4820 187.6628 190.8527

348 165.3799 168.3304 171.2911 174.2614 177.2409

349 152.4603 155.1956 157.9408 160.6954 163.4589

350 139.3900 141.9049 144.4292 146.9626 149.5047

351 126.1673 128.4563 130.7543 133.0611 135.3760

352 112.7902 114.8480 116.9142 118.9886 121.0708

353 99.2572 101.0781 102.9069 104.7432 106.5867

354 85.5662 87.1447 88.7303 90.3227 91.9216

355 71.7155 73.0458 74.3824 75.7249 77.0731

356 57.7032 58.7795 59.8611 60.9477 62.0391

357 43.5274 44.3438 45.1643 45.9888 46.8171

358 29.1862 29.7367 30.2900 30.8461 31.4049

359 14.6777 14.9561 15.2360 15.5173 15.8000

360 -0.0000 -0.0000 -0.0000 -0.0000 -0.0000

NOTE: DUE TO THE ROUNDING INVOLVED IN COMPUTING ACTUAL PAYMENTS,

ACTUAL OUTSTANDING BALANCES WILL TEND TO BE LOWER THAN THOSE

COMPUTED USING THE ABOVE FACTORS.

THE HIGHEST OUTSTANDING BALANCE AND FACTORS ARE UNDERLINED.

HUD-Wash., D.C.

8/80 Page 24

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