With a 5% Mortgage

                   3% Down

  Amount      Payment   30 year    PMI 1%    Insurance   Utilities    Total

$100,000      $3,000         $536        $83            $125         $200     $1,044

$110,000      $3,300         $590        $92            $135         $205     $1,116

$120,000      $3,600         $643      $100            $145         $210     $1,188

$130,000      $3,900         $697      $108            $155         $215     $1,260

$140,000      $4,200         $750      $117            $165         $220     $1,332

$150,000      $4,500         $804      $125            $175         $225     $1,404

$160,000      $4,800         $858      $133            $185         $230     $1,476

$170,000      $5,100         $911      $142            $195         $235     $1,548

$180,000      $5,400         $965      $150            $205         $240     $1,620

$190,000      $5,700      $1,018      $158            $215         $245     $1,692

$200,000      $6,000      $1,072      $167            $225         $250     $1,764

$210,000      $6,300      $1,126      $175            $235         $255     $1,836

$220,000      $6,600      $1,179      $183            $245         $260     $1,908

$230,000      $6,900      $1,233      $192            $255         $265     $1,979

$240,000      $7,200      $1,286      $200            $265         $275     $2,051

$250,000      $7,500      $1,340      $208            $275         $280     $2,123

$260,000      $7,800      $1,394      $217            $285         $285     $2,195

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Notes:    Income figures are take-home, not gross amounts.

Income needed assumes 33% limit for mortgage payment.

No real estate taxes are included as Philadelphia has a ten year abatement for new construction.