4240.2 REV CHG 3

APPENDIX 12

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

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 7.75 8.00 8.25 8.50 8.75

1 .4196 .4198 .4199 .4201 .4202

2 .4257 .4262 .4267 .4272 .4277

3 .4310 .4318 .4327 .4336 .4344

4 .4352 .4365 .4377 .4389 .4401

5 .4383 .4399 .4416 .4431 .4447

6 .4401 .4421 .4441 .4460 .4479

7 .4404 .4428 .4451 .4474 .4496

8 .4390 .4417 .4444 .4470 .4496

9 .4357 .4387 .4417 .4446 .4475

10 .4303 .4336 .4368 .4400 .4432

11 .4224 .4259 .4294 .4328 .4362

12 .4127 .4165 .4202 .4238 .4273

13 .4023 .4063 .4101 .4139 .4177

14 .3911 .3952 .3992 .4032 .4072

15 .3790 .3832 .3874 .3916 .3957

16 .3659 .3703 .3746 .3789 .3831

17 .3517 .3562 .3607 .3651 .3695

18 .3364 .3410 .3455 .3501 .3545

19 .3099 .3245 .3291 .3337 .3383

20 .3020 .3067 .3113 .3159 .3205

21 .2827 .2873 .2919 .2965 .3011

22 .2619 .2664 .2709 .2755 .2800

23 .2394 .2437 .2481 .2525 .2569

24 .2150 .2192 .2234 .2275 .2317

25 .1887 .1926 .1965 .2003 .2042

26 .1604 .1638 .1673 .1708 .1743

27 .1297 .1326 .1356 .1386 .1415

28 .0966 .0989 .1012 .1035 .1059

29 .0608 .0623 .0638 .0654 .0669

30 .0221 .0227 .0233 .0238 .0244

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

HUD-Wash., D.C. 8/80

Page 1 (1 of 2)

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4240.2 REV CHG 3

APPENDIX 12

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

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY MORTGAGE INSURANCE PREMIUM FACTORS

(PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS)

PREMIUM FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 9.00 9.25 9.50 9.75 10.00

1 .4204 .4205 .4206 .4208 .4209

2 .4282 .4286 .4291 .4295 .4300

3 .4352 .4360 .4368 .4375 .4383

4 .4413 .4424 .4435 .4446 .4456

5 .4462 .4477 .4491 .4505 .4519

6 .4498 .4516 .4534 .4551 .4568

7 .4518 .4540 .4561 .4582 .4602

8 .4521 .4546 .4570 .4564 .4618

9 .4503 .4531 .4559 .4585 .4612

10 .4463 .4493 .4523 .4553 .4582

11 .4395 .4428 .4460 .4492 .4523

12 .4309 .4343 .4377 .4411 .4444

13 .4214 .4250 .4286 .4322 .4357

14 .4110 .4149 .4187 .4224 .4260

15 .3997 .4037 .4077 .4116 .4154

16 .3873 .3915 .3956 .3996 .4036

17 .3738 .3781 .3823 .3865 .3906

18 .3590 .3634 .3677 .3720 .3763

19 .3428 .3472 .3517 .3561 .3604

20 .3250 .3296 .3340 .3385 .3429

21 .3057 .3102 .3147 .3191 .3236

22 .2844 .2889 .2934 .2978 .3022

23 .2612 .2656 .2699 .2743 .2786

24 .2359 .2400 .2442 .2484 .2525

25 .2081 .2120 .2159 .2198 .2237

26 .1778 .1813 .1848 .1883 .1919

27 .1445 .1476 .1506 .1536 .1567

28 .1082 .1106 .1130 .1154 .1178

29 .0685 .0701 .0717 .0733 .0749

30 .0250 .0256 .0263 .0269 .0275

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

HUD-Wash., D.C. 8/80

Page 1 (2 of 2)

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4240.2 REV CHG 3

APPENDIX 12

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

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 10.25 10.50 10.75 11.00 11.25

1 6.6974 6.8551 7.0143 7.1749 7.3370

2 7.0256 7.1910 7.3580 7.5265 7.6965

3 7.3698 7.5434 7.7186 7.8953 8.0736

4 7.7310 7.9130 8.0968 8.2822 8.4692

5 8.1098 8.3008 8.4935 8.6880 8.8842

6 8.5072 8.7075 8.9097 9.1137 9.3195

7 8.9240 9.1342 9.3463 9.5603 9.7762

8 9.3613 9.5817 9.8042 10.0287 10.2552

9 9.8200 10.0512 10.2846 10.5202 10.7577

10 10.3012 10.5437 10.7886 11.0356 11.2849

REMAINING

PMT 10.8059 11.0604 11.3172 11.5764 11.8378

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

8/80 HUD-Wash., D.C.

Page 2 (1 of 2)

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4240.2 REV CHG 3

APPENDIX 12

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

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 11.50 11.75 12.00 12.25 12.50

1 7.5004 7.6652 7.8312 7.9986 8.1672

2 7.8679 8.0408 8.2150 8.3905 8.5674

3 8.2534 8.4347 8.6175 8.8017 8.9872

4 8.6579 8.8481 9.0398 9.2329 9.4276

5 9.0821 9.2816 9.4827 9.6854 9.8895

6 9.5271 9.7364 9.9474 10.1599 10.3741

7 9.9939 10.2135 10.4348 10.6578 10.8824

8 10.4837 10.7139 10.9461 11.1800 11.4157

9 10.9973 11.2389 11.4824 11.7278 11.9750

10 11.5362 11.7896 12.0451 12.3025 12.5618

REMAINING

PMT 12.1015 12.3673 12.6353 12.9053 13.1773

NOTE: THIS PLAN CAN BE USED ONLY FOR SECTION 245(B) LOANS

\@XQT.RW B. FOSTER-ABS7

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

8/80 HUD-Wash., D.C.

Page 2 (2 of 2)

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4240.2 REV CHG 3

APPENDIX 12

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

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 12.75 13.00 13.25 13.50 13.75

1 8.3370 8.5080 8.6802 8.8535 9.0278

2 8.7455 8.9249 9.1055 9.2873 9.4702

3 9.1741 9.3622 9.5517 9.7423 9.9342

4 9.6236 9.8210 10.0197 10.2197 10.4210

5 10.0951 10.3022 10.5107 10.7205 10.9316

6 10.5898 10.8070 11.0257 11.2458 11.4673

7 11.1087 11.3366 11.5659 11.7968 12.0292

8 11.6530 11.8920 12.1327 12.3749 12.6186

9 12.2240 12.4748 12.7272 12.9812 13.2369

10 12.8230 13.0860 13.3508 13.6173 13.8855

REMAINING

PMT 13.4513 13.7272 14.0050 14.2846 14.5659

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

HUD-Wash., D.C. 8/80

Page 3 (1 of 2)

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4240.2 REV CHG 3

APPENDIX 12

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

SECTION 245(B) GRADUATED PAYMENT MORTGAGE

WITH INCREASING PAYMENTS FOR 10 YEARS AT 4.90 PERCENT EACH YEAR

MONTHLY INSTALLMENT PER THOUSAND DOLLARS OF ORIGINAL LOAN PROCEEDS

FOR 30 YEAR MORTGAGES WITH ANNUAL CONTRACT INTEREST RATES OF

YEAR 14.00 14.25 14.50 14.75 15.00

1 9.2033 9.3797 9.5572 9.7357 9.9151

2 9.6542 9.8393 10.0255 10.2127 10.4009

3 10.1273 10.3215 10.5168 10.7131 10.9106

4 10.6235 10.8272 11.0321 11.2381 11.4452

5 11.1441 11.3578 11.5727 11.7888 12.0060

6 11.6901 11.9143 12.1397 12.3664 12.5943

7 12.2629 12.4981 12.7346 12.9724 13.2114

8 12.8638 13.1105 13.3586 13.6080 13.8588

9 13.4942 13.7529 14.0131 14.2748 14.5378

10 14.1554 14.4268 14.6998 14.9743 15.2502

REMAINING

PMT 14.8490 15.1337 15.4201 15.7080 15.9975

NOTE: THIS PLAN CAN BE USED ONLY FOR SECTION 245(B) LOANS

\@BRKPT PRINT\$

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

HUD-Wash., D.C. 8/80

Page 3 (2 of 2)