From: Subject: Ginnie Mae: Your Path to Homeownership Date: Fri, 19 Feb 2010 20:08:51 -0800 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_004B_01CAB19F.5AE36990" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.5579 This is a multi-part message in MIME format. ------=_NextPart_000_004B_01CAB19F.5AE36990 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy_calc.asp?Section=YPTH Ginnie Mae: Your Path to Homeownership
3D"" 3D"Your
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<= IMG=20 border=3D0 name=3DsubA alt=3D"Contact Us"=20 src=3D"http://www.ginniemae.gov/images/contactus.jpg" = width=3D56=20 height=3D13> 3D""=20 3D""=20 3D"Site 3D""=20
3D""=20 3D"Search
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3D""=20=20

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3DHome=20
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Buying vs. = Renting

Use the calculator below to compare the advantages = and=20 considerations of owning vs. renting a = home.
Note:

  =20 Current Rent:
  =20 Purchase Price of Home:
  =20 Percentage of Down Payment:
  Length=20 of Loan Term (years):
  =20 Interest Rate:
  Years=20 You Plan to Stay in This Home:
  Yearly=20 Property Tax Rate:
  Yearly=20 Home Value Increase Rate:
    =20 =          &= nbsp;
 
 
Result=20 Returned: Rent Buy
Price of=20 Home After Appreciation:  
Remaining=20 Balance After = Years:  
Equity=20 Earned:  
Tax Savings=20 (at 28%):  
Avg. Monthly=20 Payment Over Time:
Total=20 Payment:
Total=20 Savings On:

Note: The = calculator=20 above uses these items in its = calculations:=20 private mortgage insurance, homeowner's = insurance=20 cost, loan closing cost, cost of selling a = home,=20 property tax, homeowner's tax saving, and = rent=20 increases. Calculator results are = estimates=20 only.=20 =

=
 

NOTE: This calculator is best = viewed with=20 a browser such as Internet Explorer, Netscape 6 or = greater, or=20 Firefox. Users with other browsers are advised that = they may=20 or may not be able to execute the full functionality = of this=20 calculator.

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3D""=20PRIVA= CY=20 POLICY		 HOME | ABOUT=20 GINNIE MAE | F= OR=20 ISSUERS | FOR=20 INVESTORS
HOMEOWNER= SHIP=20 GUIDE AND CALCULATORS | HOMEZONE (KIDS'=20 SITE) 		3D"HUD
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NS4 =3D false; } else { NS6 =3D false; } if (browser =3D=3D "Microsoft Internet Explorer" && version >=3D = "4"){ IE4 =3D true; } else { IE4 =3D false; } if (browser =3D=3D "Firefox" && version >=3D "1"){ FF1 =3D true; } else { FF1 =3D false; } browser_version =3D browser + " " + version; =20 // change this to no longer support Netscape 4 =20 //var ver4 =3D (NS4 || IE4 || FF1) ? true : false; var ver4 =3D (NS6 || IE4 || FF1) ? true : false; if (browser =3D=3D "Netscape"){ var is_nav =3D true; if (version >=3D "6"){ var is_nav6 =3D true; } else { var is_nav6 =3D false; } } else {=20 var is_nav =3D false; =20 } var bn =3D browser; var bv =3D version; t =3D version; // code rewritten Jan 2007 for better browser recognition and support = (end) function checkIt(str){ var p =3D agt.indexOf(str) + 1; return p; } //function ShowLayer(){return} //function HideLayer(){return} function floor(number) { return Math.floor(number*Math.pow(10,2))/Math.pow(10,2); } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // this is the main function. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// function showme(){ RentVSBuy(); =09 } function onChange(){ document.calc.cRent.value =3D = formatCurrency(document.calc.cRent.value); document.calc.pPrice.value =3D = formatCurrency(document.calc.pPrice.value); document.calc.iRate.value =3D formatPercent(document.calc.iRate.value); document.calc.PropTax.value =3D = formatPercent(document.calc.PropTax.value); document.calc.loanLength.value =3D document.calc.loanLength.value; document.calc.stayLength.value =3D document.calc.stayLength.value; document.calc.homeAppreciate.value =3D = formatPercent(document.calc.homeAppreciate.value); document.calc.downPay.value =3D = formatPercent(document.calc.downPay.value); } function showAll(){ showme(); ShowLayer("BuyVsRentResult");=20 document.calc.getResult.value =3D "Recalculate"; if (NS4=3D=3Dfalse){ window.scrollTo(0,200); =09 }=09 else{ window.scrollTo(0,150); =09 }=09 =20 } function RentVSBuy(){ paymentOfRent(); paymentOfBuy(); } function RemovePercentage(InStr) { var iChk, sSrch; var sTemp =3D InStr; var Delmtr =3D new Array("%", " ");=09 =09 for (i=3D0; i 30 && temp =3D=3D document.calc.loanLength.value){ alert ("'Length of Loan Term' must be equal to or less than 30 = years.");=09 temp =3D 30;=09 document.calc.loanLength.value =3D 30; }=09 return temp; } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // the function is to calculate the buying home facts. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// function paymentOfBuy(){ var i; // calculate payment =20 var downPayPercent =3D replacePercent(document.calc.downPay.value); var loanAmount =3D replaceChars(document.calc.pPrice.value); =09 var pPrice =3D loanAmount; loanAmount =3D loanAmount*(100-downPayPercent)/100 var newDownPay =3D replacePercent(document.calc.downPay.value); var newPropTax =3D replacePercent(document.calc.PropTax.value); var IncInPricePercent =3D = replacePercent(document.calc.homeAppreciate.value); var interestRate =3D replacePercent(document.calc.iRate.value)/100; =09 var yearLoan =3D checkNum(document.calc.loanLength.value); var aRate =3D 1 + (interestRate/12); var payment=20 payment =3D (loanAmount * (aRate-1) * = Math.pow(aRate,yearLoan*12)) / (Math.pow(aRate,yearLoan*12)-1); payment =3D parseInt(payment); =09 =09 =20 // find home value after year of owning=20 =09 var yearOwn =3D checkNum(document.calc.stayLength.value); var homeValAfterOwnYears =3D 0;=09 var incAmount =3D 0; homeValAfterOwnYears =3D pPrice; var pp =3D 1+IncInPricePercent/(100); homeValAfterOwnYears =3D pPrice * Math.pow(pp,yearOwn); homeValAfterOwnYears =3D parseInt(homeValAfterOwnYears); // find the remain balance var monthlyInterest =3D interestRate/12; var loanMonths =3D yearLoan * 12; var ownPayMonths =3D yearOwn * 12; =09 var PayOff =3D loanAmount; var interestDue =3D 0; var pricipalCredit=3D0; if (parseInt(yearOwn) < parseInt(yearLoan)){ =09 for (i=3D0;itotalCost){ totalSaving =3D parseInt(paymentOfRent()) - parseInt(totalCost);=09 string =3D "Buying: "; } else{ totalSaving =3D parseInt(totalCost) - parseInt(paymentOfRent());=09 string =3D "Renting: "; } string =3D string + formatCurrency(totalSaving); var doc; // code rewritten Jan 2007 for better browser recognition and support = (begin) // if (NS4 =3D=3D false){ // doc =3D document.frmHidePart; // } // else { // doc =3D document.layers[0].document.frmHidePart; // } doc =3D document.frmHidePart; // code rewritten Jan 2007 for better browser recognition and support = (end) doc.r17.value =3D formatCurrency(PayOff); doc.r18.value =3D formatCurrency(homeValAfterOwnYears); doc.r20.value =3D formatCurrency(monthlyCost); doc.r22.value =3D formatCurrency(totalCost); doc.r23.value =3D string; doc.r24.value =3D formatCurrency(TTSaving); doc.r25.value =3D formatCurrency(equity); doc.getYear.value =3D document.calc.stayLength.value; // capture browser type and version and put in hidden fileds on form. // this helps support resolving problems based on browser type (begin) app_browser =3D "unknown"; if (IE4){ app_browser =3D "IE4"; } if (NS4){ app_browser =3D "NS4"; } if (NS6){ app_browser =3D "NS6"; } if (FF1){ app_browser =3D "FF1"; } } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // the function is to calculate the payment of renting. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// function paymentOfRent(){ var yearOwn =3D document.calc.stayLength.value; var totalRent =3D 0; var rent =3D replaceChars(document.calc.cRent.value); var rentNew =3D Math.pow(1.0228,(yearOwn - 1)); =20 var newRent =3D (rentNew) + (rentNew * rent); var monthlyRent =3D (parseInt((newRent - rent)/2) + parseInt(rent));=09 =09 var totalRent =3D monthlyRent * yearOwn * 12;=09 var doc // code rewritten Jan 2007 for better browser recognition and support = (begin) // if (NS4 =3D=3D false){ // doc =3D document.frmHidePart // } // else { // the following line causes an error in any version of Netscape after = version 4 // doc =3D document.layers[0].document.frmHidePart // } doc =3D document.frmHidePart // code rewritten Jan 2007 for better browser recognition and support = (end) doc.r21.value =3D formatCurrency(totalRent);=20 doc.r19.value =3D formatCurrency(monthlyRent); =09 return totalRent; } function replaceChar(entry) { out =3D "$";=20 add =3D "";=20 temp =3D "" + entry; while (temp.indexOf(out)>-1) { pos=3D temp.indexOf(out); temp =3D "" + (temp.substring(0, pos) + add +=20 temp.substring((pos + out.length), temp.length)); } return temp; } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // the function is to eliminate the '%' simbol. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// function replacePercent(entry) { out =3D "%";=20 add =3D "";=20 temp =3D entry; =20 while (temp.indexOf(out)>-1) { pos=3D temp.indexOf(out); temp =3D "" + (temp.substring(0, pos) + add + temp.substring((pos + out.length), temp.length)); } if (temp<0){=09 alert ("The value you entered must be a positive number."); = temp =3D 0; =09 } =09 return temp; }=09 //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // the function is to put back the '%' simbol. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// function formatPercent(theNumber){ theNumber =3D RemovePercentage(theNumber); if (theNumber =3D=3D replacePercent(document.calc.iRate.value) && = theNumber =3D=3D 0){ alert ("The 'Interest Rate' cannot be zero. The value is returned to = 7.5%."); theNumber =3D 7.5; } theNumber =3D Math.round(theNumber * 1000) / 1000; return(theNumber + "%");=09 } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // the function is to eliminate the ',' and '$' from the entry. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// =09 function replaceChars(entry) { out =3D ",";=20 add =3D "";=20 temp =3D "" + entry; outVal =3D "$"; =09 =09 // to get rid of charactor ",".=20 if (temp.indexOf(out)>-1){ pos=3D temp.indexOf(out); temp =3D "" + (temp.substring(0, pos) + add +=20 temp.substring((pos + out.length), temp.length)); } // to eliminate the '$'. if (temp.indexOf(outVal)>-1){ pos=3D temp.indexOf(outVal); temp =3D "" + (temp.substring(0, pos) + add +=20 temp.substring((pos + outVal.length), temp.length)); } return temp; } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// // the function is to re-format the number of currency to us dollar. //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// function formatCurrency(thisnum) { =09 num=3DreplaceChars(thisnum); =09 if(isNaN(num)) num =3D "0"; num =3D Math.floor(num).toString();=09 for (var i =3D 0; i < Math.floor((num.length-(1+i))/3); i++)=20 num =3D = num.substring(0,num.length-(4*i+3))+','+num.substring(num.length-(4*i+3))= ; =20 return ('$' + num ); =09 =09 } function addPct(pct) { pct=3DreplacePercent(pct); pct=3DparseFloat(pct); =09 if (checkForm(pct)); { return (pct + '%'); } } function checkForm(toCheck) { isNum =3D true; for (j =3D 0; j < toCheck.length; j++) { if ((toCheck.substring(j,j+1) < "0") && (toCheck.substring(j,j+1) !=3D = ".") || (toCheck.substring(j,j+1) > "9")) { isNum =3D false; } } if ((isNum =3D=3D false) || (toCheck.length =3D=3D 0) || (toCheck = =3D=3D null)) { return false; } else { return true; } } //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// //=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D// var ScrnHeight =3D screen.availHeight; // change this to no longer support Netscape 4 (begin) =20 //function getIndex(n) { // inx =3D null; // the following line causes an error in Netscape and Firefox // for (i=3D0; i"); if (NS4){ write(".inner {position:relative; visibility:hidden;}"); } else { write(".inner {position:relative; display:none;}"); =09 write(".inner {display:none}") } write(""); } ------=_NextPart_000_004B_01CAB19F.5AE36990 Content-Type: application/octet-stream Content-Transfer-Encoding: quoted-printable Content-Location: http://www.ginniemae.gov/script/__s_c..js var v=3DparseInt(navigator.appVersion); var NS4=3D(document.layers) ? true : false; var IE4=3D((document.all)&&(v>=3D4))?true:false; var ver4 =3D (NS4 || IE4) ? true : false; function changeEntry(pField, pType) {=20 var aCurrency=20 var aRate aCurrency =3D 1; aRate =3D 2; =20 var getVal=20 getVal =3D pField.value;=20 var aNumber=20 var aStr=20 var aCount=20 if (getVal =3D=3D "") { return "0"; }=20 if(pType =3D=3D aCurrency) { aNumber =3D "0123456789-."; }=20 Str =3D ""; for (aCount =3D 0; aCount < getVal.length; aCount++) {=20 if(aNumber.indexOf(getVal.substring(aCount, aCount+1)) > -1 ) {=20 aStr +=3D getVal.substring(aCount,aCount+1);=20 } }=20 getVal =3D aStr; return(getVal);=20 } function pct_onInput_ie(inputChar, field) {=20 if( inputChar!=3D 46 && (inputChar < 48 || inputChar > 57)) return = false;=20 var strInput =3D field.value;=20 var nIndex =3D strInput.indexOf(".");=20 if (inputChar =3D=3D 46 && nIndex > -1) return false;=20 if (nIndex > -1 && strInput.substring(nIndex + 1).length =3D=3D 3) = return false;=20 return true;=20 } function pct_onInput_ns(inputChar, field) {=20 if( inputChar!=3D 46 && (inputChar < 48 || inputChar > 57)) return = false;=20 var strInput =3D field.value;=20 var nIndex =3D strInput.indexOf(".");=20 if (inputChar =3D=3D 46 && nIndex > -1) return false;=20 if (nIndex > -1 && strInput.substring(nIndex + 1).length =3D=3D 2) = return false;=20 return true;=20 } function Currency_onInput_ie(inputChar, field, bPositive) {=20 if( (inputChar < 48 || inputChar > 57) && =20 ((!bPositive && inputChar!=3D 45) || bPositive)) {=20 return false;=20 }=20 var strInput =3D field.value;=20 if( inputChar =3D=3D 45 && strInput.length >1)=20 { return false; }=20 if ((strInput.length =3D=3D 1 && strInput !=3D "$") || (inputChar = =3D=3D 45 && strInput.length =3D=3D 1 && strInput !=3D "$")){ field.value =3D "$" + strInput; return true;=20 } }=20 function Currency_onInput_ns(inputChar, field, bPositive) {=20 var strInput =3D field.value;=20 var ReturnVal =3D true;=20 if((inputChar < 48 || inputChar > 57) && ((!bPositive && inputChar!=3D = 45) || bPositive)) { ReturnVal =3D false; }=20 else if( inputChar =3D=3D 45 && strInput.length >1) =20 { ReturnVal =3D false; }=20 return ReturnVal; }=20 =20 function check_inp_val(theInt,objEvent,field) { var bPositive; var bInt; var get_val; =20 if (IE4) {objEvent =3D false; bPositive =3D true; bInt =3D true; var inp_val =3D window.event.keyCode; if(theInt =3D=3D 1) { get_val =3D Currency_onInput_ie(inp_val, field, = bPositive); } else if(theInt =3D=3D 2) { get_val =3D pct_onInput_ie(inp_val, field); } else { get_val =3D false; } } if (NS4) { bPositive =3D true; bInt =3D true; var inputChar =3D objEvent.which; =09 if(theInt =3D=3D 1) { get_val =3D Currency_onInput_ns(inputChar, field, bPositive); } else if(theInt =3D=3D 2) { get_val =3D pct_onInput_ns(inputChar, field); } else { get_val =3D false; } } return get_val; } ------=_NextPart_000_004B_01CAB19F.5AE36990--