www.hudclips.org U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000 March 12, 1993 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER Mortgagee Letter 93-8 TO: ALL APPROVED MORTGAGEES ATTENTION: Single Family Servicing Mortgagees SUBJECT: Factors for Computing Formula Two Assistance Payments Under Section 235(r) - Section 235(r) Factor Tables This letter sets forth the Section 235(r) factors that can be used with the "Factor Method" when the servicing mortgagee computes the Formula Two assistance payments for a Section 235(r) mortgage. These factors can be used beginning with the first recertification that is performed under the Section 235(r) Assistance Payments Contract (APC) and in accordance with the requirements found in HUD Handbook 4330.1, REV-3, Administration of Insured Home Mortgages, Chapter 10. At a later date these tables will be incorporated into this handbook. The attached factor tables are computed at a premium rate (Mortgage Insurance Premium {MIP}) of 7/10 of 1 percent with a range of contract rates (note interest rates) from 9 percent to 14 percent in 1/2 percent increments and a range of subsidy rates (floor interest rates) at 1 percent, 4 percent, 4.75 percent, 5.0 percent, 5.5 percent, 6.0 percent, 6.75 percent, 7.25 percent and 8 percent. The factors are based on the number of 1,000's of the face amount of the Section 235(r) mortgage and compute the difference between the amount of principal, interest and MIP on the Section 235(r) mortgage at the contract rate and the amount of principal and interest at the subsidy rate on a monthly basis for the specified amortization year. Examples on how to use the "Factor Method" are in Appendix 51 in HUD Handbook 4330.1, REV-3. Attachment 1 of this letter sets forth the steps that are necessary to compute the maximum Formula Two monthly assistance payments for an applicable amortization year. Mortgagees must remember that separate factors are required for each amortization year because of the annual variation in the periodic MIP. _____________________________________________________________________ Should you have any questions concerning the application of these factor tables please contact the Housing Management Division (Single Family Loan Management Branch) of the local HUD Field Office. Very sincerely yours, James E. Schoenberger Associate General Deputy Assistant Secretary for Housing Attachments _____________________________________________________________________ Attachment 1 THE FACTOR METHOD The "Factor Method" can be used by servicing mortgagees to compute the maximum monthly Formula Two assistance payments for a Section 235(r) for an applicable amortization year. Each Factor Table sets forth the factors for computing the Formula Two assistance payments under Section 235(r). These factors are based on the number of 1,000's of the face amount of the Section 235(r) mortgage and compute the difference between the amount of principal, interest and MIP on the Section 235(r) mortgage at the contract rate and the principal and interest at the subsidy rate on a monthly basis for the specified amortization year. Examples on how to use the "Factor Method" are found in Appendix 51 in HUD Handbook 4330.1, REV-3. STEPS TO COMPUTE THE FORMULA TWO ASSISTANCE PAYMENTS: Step 1 - Divide the face amount of the Section 235(r) mortgage by 1,000. Step 2 - Multiply the result by the applicable factor shown in the factor table for the respective amortization year. Step 3 - The result is the maximum monthly Formula Two assistance payments specified for a Section 235(r) mortgage for the applicable amortization year. SEPARATE FACTORS ARE REQUIRED FOR EACH YEAR BECAUSE OF THE ANNUAL VARIATION IN THE MORTGAGE INSURANCE PREMIUM (MIP). Three examples follow: (1) Assume: A $32,000, 30-year mortgage in the first amortization. $32,000 - 1,000 = 32.0 x 4.5819 = $146.62 (2) Assume: A $37,500, 30-year mortgage in the tenth amortization year. $37,500 - 1,000 = 37.5 x 4.5344 = $170.04 (3) Assume: A $44,000, 25-year mortgage in the fifteenth amortization year. $44,000 - 1,000 = 44.0 x 4.2227 = $185.80 _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.4663 4.4270 4.3840 4.3370 4.2855 11 4.5286 4.4946 4.4575 4.4168 4.3723 12 4.5805 4.5510 4.5186 4.4832 4.4445 13 4.6321 4.6063 4.5780 4.5471 4.5132 14 4.6735 4.6508 4.6259 4.5987 4.5689 15 4.7346 4.7145 4.6924 4.6683 4.6419 16 4.7856 4.7677 4.7482 4.7268 4.7034 17 4.8265 4.8106 4.7932 4.7742 4.7534 18 4.8772 4.8630 4.8474 4.8304 4.8118 19 4.9278 4.9151 4.9012 4.8861 4.8694 20 4.9784 4.9670 4.9545 4.9409 4.9259 21 5.0189 5.0086 4.9974 4.9851 4.9717 22 5.0693 5.0600 5.0499 5.0388 5.0267 23 5.1197 5.1113 5.1022 5.0922 5.0812 24 5.1601 5.1525 5.1443 5.1353 5.1255 25 5.2104 5.2035 5.1960 5.1879 5.1789 6TH 7TH 8TH 9TH 10TH 10 4.2292 4.1677 4.1003 4.0267 3.9461 11 4.3236 4.2704 4.2122 4.1485 4.0789 12 4.4021 4.3558 4.3052 4.2498 4.1891 13 4.4762 4.4357 4.3915 4.3430 4.2901 14 4.5364 4.5008 4.4618 4.4192 4.3727 15 4.6131 4.5815 4.5470 4.5093 4.4680 16 4.6778 4.6499 4.6192 4.5858 4.5492 17 4.7306 4.7057 4.6785 4.6487 4.6162 18 4.7914 4.7692 4.7448 4.7182 4.6890 19 4.8513 4.8314 4.8096 4.7858 4.7598 20 4.9096 4.8918 4.8722 4.8508 4.8275 21 4.9570 4.9409 4.9233 4.9041 4.8831 22 5.0134 4.9988 4.9830 4.9656 4.9466 23 5.0693 5.0562 5.0418 5.0262 5.0090 24 5.1147 5.1029 5.0900 5.0759 5.0605 25 5.1691 5.1584 5.1467 5.1338 5.1198 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 1 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.0027 12 4.1228 4.0503 13 4.2321 4.1687 4.0994 14 4.3217 4.2660 4.2050 4.1383 15 4.4228 4.3734 4.3194 4.2603 4.1956 16 4.5091 4.4653 4.4174 4.3650 4.3076 17 4.5806 4.5416 4.4990 4.4524 4.4014 18 4.6572 4.6223 4.5842 4.5425 4.4968 19 4.7314 4.7002 4.6662 4.6289 4.5882 20 4.8019 4.7739 4.7434 4.7099 4.6733 21 4.8601 4.8349 4.8074 4.7773 4.7443 22 4.9258 4.9030 4.8782 4.8509 4.8212 23 4.9903 4.9698 4.9474 4.9228 4.8960 24 5.0436 5.0251 5.0050 4.9829 4.9587 25 5.1045 5.0877 5.0694 5.0493 5.0273 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.2449 17 4.3456 4.2846 18 4.4469 4.3924 4.3327 19 4.5436 4.4949 4.4416 4.3832 20 4.6333 4.5895 4.5416 4.4892 4.4319 21 4.7083 4.6689 4.6258 4.5786 4.5271 22 4.7886 4.7530 4.7141 4.6715 4.6249 23 4.8666 4.8345 4.7994 4.7610 4.7190 24 4.9323 4.9034 4.8718 4.8372 4.7994 25 5.0033 4.9770 4.9483 4.9169 4.8825 21ST 22ND 23RD 24TH 25TH 21 4.4707 22 4.5739 4.5182 23 4.6730 4.6228 4.5678 24 4.7581 4.7128 4.6633 4.6092 25 4.8449 4.8038 4.7588 4.7096 4.6558 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 1 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.1063 3.0670 3.0240 2.9770 2.9255 11 3.1586 3.1246 3.0875 3.0468 3.0023 12 3.2005 3.1710 3.1386 3.1032 3.0645 13 3.2321 3.2063 3.1780 3.1471 3.1132 14 3.2735 3.2508 3.2259 3.1907 3.1689 15 3.3246 3.3045 3.2824 3.2583 3.2319 16 3.3656 3.3477 3.3282 3.3068 3.2834 17 3.3965 3.3806 3.3632 3.3442 3.3234 18 3.4372 3.4230 3.4074 3.3904 3.3718 19 3.4778 3.4651 3.4512 3.4361 3.4194 20 3.5184 3.5070 3.4945 3.4809 3.4659 21 3.5489 3.5386 3.5274 3.5151 3.5017 22 3.5893 3.5800 3.5699 3.5588 3.5467 23 3.6297 3.6213 3.6122 3.6022 3.5912 24 3.6601 3.6525 3.6443 3.6353 3.6255 25 3.7004 3.6935 3.6860 3.6779 3.6689 6TH 7TH 8TH 9TH 10TH 10 2.8692 2.8077 2.7403 2.6667 2.5861 11 2.9536 2.9004 2.8422 2.7785 2.7089 12 3.0221 2.9758 2.9252 2.8698 2.8091 13 3.0762 3.0357 2.9915 2.9430 2.8901 14 3.1364 3.1008 3.0618 3.0192 2.9727 15 3.2031 3.1715 3.1370 3.0993 3.0580 16 3.2578 3.2299 3.1992 3.1658 3.1292 17 3.3006 3.2757 3.2485 3.2187 3.1862 18 3.3514 3.3292 3.3048 3.2782 3.2490 19 3.4013 3.3814 3.3596 3.3358 3.3098 20 3.4496 3.4318 3.4122 3.3908 3.3675 21 3.4870 3.4709 3.4533 3.4341 3.4131 22 3.5334 3.5188 3.5030 3.4856 3.4666 23 3.5793 3.5662 3.5518 3.5362 3.5190 24 3.6147 3.6029 3.5900 3.5759 3.5605 25 3.6591 3.6484 3.6367 3.6238 3.6098 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 2 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.6327 12 2.7428 2.6703 13 2.8321 2.7687 2.6994 14 2.9217 2.8660 2.8050 2.7383 15 3.0128 2.9634 2.9094 2.8503 2.7856 16 3.0891 3.0453 2.9974 2.9450 2.8876 17 3.1506 3.1116 3.0690 3.0224 2.9714 18 3.2172 3.1823 3.1442 3.1025 3.0568 19 3.2814 3.2502 3.2162 3.1789 3.1382 20 3.3419 3.3139 3.2834 3.2499 3.2133 21 3.3901 3.3649 3.3374 3.3073 3.2743 22 3.4458 3.4230 3.3982 3.3709 3.3412 23 3.5003 3.4798 3.4574 3.4328 3.4060 24 3.5436 3.5251 3.5050 3.4829 3.4587 25 3.5945 3.5777 3.5594 3.5393 3.5173 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.8249 17 2.9156 2.8546 18 3.0069 2.9524 2.8927 19 3.0936 3.0449 2.9916 2.9332 20 3.1733 3.1295 3.0816 3.0292 2.9719 21 3.2383 3.1989 3.1558 3.1086 3.0571 22 3.3086 3.2730 3.2341 3.1915 3.1449 23 3.3766 3.3445 3.3094 3.2710 3.2290 24 3.4323 3.4034 3.3718 3.3372 3.2994 25 3.4933 3.4670 3.4383 3.4069 3.3725 21ST 22ND 23RD 24TH 25TH 21 3.0007 22 3.0939 3.0362 23 3.1830 3.1328 3.0778 24 3.2581 3.2128 3.1633 3.1092 25 3.3349 3.2938 3.2488 3.1996 3.1458 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 2 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.7463 2.7070 2.6640 2.6170 2.5655 11 2.7886 2.7546 2.7175 2.6768 2.6323 12 2.8305 2.8010 2.7686 2.7332 2.6945 13 2.8621 2.8363 2.8080 2.7771 2.7432 14 2.8935 2.8708 2.8459 2.8187 2.7889 15 2.9446 2.9245 2.9024 2.8703 2.8519 16 2.9756 2.9577 2.9382 2.9168 2.8934 17 3.0065 2.9906 2.9732 2.9542 2.9334 18 3.0472 3.0330 3.0174 3.0004 2.9818 19 3.0778 3.0651 3.0512 3.0361 3.0194 20 3.1084 3.0970 3.0845 3.0709 3.0559 21 3.1489 3.1386 3.1274 3.1151 3.1017 22 3.1793 3.1700 3.1599 3.1488 3.1367 23 3.2097 3.2013 3.1922 3.1822 3.1712 24 3.2401 3.2325 3.2243 3.2153 3.2055 25 3.2704 3.2635 3.2560 3.2479 3.2389 6TH 7TH 8TH 9TH 10TH 10 2.5092 2.4477 2.3803 2.3067 2.2261 11 2.5836 2.5304 2.4722 2.4085 2.3389 12 2.6521 2.6058 2.5552 2.4998 2.4391 13 2.7062 2.6657 2.6215 2.5730 2.5201 14 2.7564 2.7208 2.6818 2.6392 2.5927 15 2.8231 2.7915 2.7570 2.7193 2.6780 16 2.8678 2.8399 2.8092 2.7758 2.7392 17 2.9106 2.8857 2.8585 2.8287 2.7962 18 2.9614 2.9392 2.9148 2.8882 2.8590 19 3.0013 2.9814 2.9596 2.9358 2.9098 20 3.0396 3.0218 3.0022 2.9808 2.9575 21 3.0870 3.0709 3.0533 3.0341 3.0131 22 3.1234 3.1088 3.0930 3.0756 3.0566 23 3.1593 3.1462 3.1318 3.1162 3.0990 24 3.1947 3.1829 3.1700 3.1559 3.1405 25 3.2291 3.2184 3.2067 3.1938 3.1798 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 3 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.2627 12 2.3728 2.3003 13 2.4621 2.3987 2.3294 14 2.5417 2.4860 2.4250 2.3583 15 2.6328 2.5834 2.5294 2.4703 2.4056 16 2.6991 2.6553 2.6074 2.5550 2.4976 17 2.7606 2.7216 2.6790 2.6324 2.5814 18 2.8272 2.7923 2.7542 2.7125 2.6668 19 2.8814 2.8502 2.8162 2.7789 2.7382 20 2.9319 2.9039 2.8734 2.8399 2.8033 21 2.9901 2.9649 2.9374 2.9073 2.8743 22 3.0358 3.0130 2.9882 2.9609 2.9312 23 3.0803 3.0598 3.0374 3.0128 2.9860 24 3.1236 3.1051 3.0850 3.0629 3.0387 25 3.1645 3.1477 3.1294 3.1093 3.0873 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.4349 17 2.5256 2.4646 18 2.6169 2.5624 2.5027 19 2.6936 2.6449 2.5916 2.5332 20 2.7633 2.7195 2.6716 2.6192 2.5619 21 2.8383 2.7989 2.7558 2.7086 2.6571 22 2.8986 2.8630 2.8241 2.7815 2.7349 23 2.9566 2.9245 2.8894 2.8510 2.6090 24 3.0123 2.9834 2.9518 2.9172 2.8794 25 3.0633 3.0370 3.0083 2.9769 2.9425 21ST 22ND 23RD 24TH 25TH 21 2.6007 22 2.6839 2.6282 23 2.7630 2.7128 2.6578 24 2.8381 2.7928 2.7433 2.6892 25 2.9049 2.8638 2.8188 2.7696 2.7158 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 3 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.6263 2.5870 2.5440 2.4970 2.4455 11 2.6686 2.6346 2.5975 2.5568 2.5123 12 2.7105 2.6810 2.6486 2.6132 2.5745 13 2.7321 2.7063 2.6780 2.6471 2.6132 14 2.7735 2.7508 2.7259 2.6987 2.6689 15 2.8146 2.7945 2.7724 2.7483 2.7219 16 2.8456 2.8277 2.8082 2.7868 2.7634 17 2.8765 2.8606 2.8432 2.8242 2.8034 18 2.9072 2.8930 2.8774 2.8604 2.8418 19 2.9378 2.9251 2.9112 2.8961 2.8794 20 2.9784 2.9670 2.9545 2.9409 2.9259 21 3.0089 2.9986 2.9874 2.9751 2.9617 22 3.0393 3.0300 3.0199 3.0088 2.9967 23 3.0697 3.0613 3.0522 3.0422 3.0312 24 3.1001 3.0925 3.0843 3.0753 3.0655 25 3.1304 3.1235 3.1160 3.1079 3.0989 6TH 7TH 8TH 9TH 10TH 10 2.3892 2.3277 2.2603 2.1867 2.1061 11 2.4636 2.4104 2.3522 2.2885 2.2189 12 2.5321 2.4858 2.4352 2.3798 2.3191 13 2.5762 2.5357 2.4915 2.4430 2.3901 14 2.6364 2.6008 2.5618 2.5192 2.4727 15 2.6931 2.6615 2.6270 2.5893 2.5480 16 2.7378 2.7099 2.6792 2.6458 2.6092 17 2.7806 2.7557 2.7285 2.6987 2.6662 18 2.8214 2.7992 2.7748 2.7482 2.7190 19 2.8613 2.8414 2.8196 2.7958 2.7698 20 2.9096 2.8918 2.8722 2.8508 2.8275 21 2.9470 2.9309 2.9133 2.8941 2.8731 22 2.9834 2.9688 2.9530 2.9356 2.9166 23 3.0193 3.0062 2.9918 2.9762 2.9590 24 3.0547 3.0429 3.0300 3.0159 3.0005 25 3.0891 3.0784 3.0667 3.0538 3.0398 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT 8 FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 4 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.1427 12 2.2528 2.1803 13 2.3321 2.2687 2.1994 14 2.4217 2.3660 2.3050 2.2383 15 2.5028 2.4534 2.3994 2.3403 2.2756 16 2.5691 2.5253 2.4774 2.4250 2.3676 17 2.6306 2.5916 2.5490 2.5024 2.4514 18 2.6872 2.6523 2.6142 2.5725 2.5268 19 2.7414 2.7102 2.6762 2.6389 2.5982 20 2.8019 2.7739 2.7434 2.7099 2.6733 21 2.8501 2.8249 2.7974 2.7673 2.7343 22 2.8958 2.8730 2.8482 2.8209 2.7912 23 2.9403 2.9198 2.8974 2.8728 2.8460 24 2.9836 2.9651 2.9450 2.9229 2.8987 25 3.0245 3.0077 2.9894 2.9693 2.9473 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.3049 17 2.3956 2.3346 18 2.4769 2.4224 2.3627 19 2.5536 2.5049 2.4516 2.3932 20 2.6333 2.5895 2.5416 2.4892 2.4319 21 2.6983 2.6589 2.6158 2.5686 2.5171 22 2.7586 2.7230 2.6841 2.6415 2.5949 23 2.8166 2.7845 2.7494 2.7110 2.6690 24 2.8723 2.8434 2.8118 2.7772 2.7394 25 2.9233 2.8970 2.8683 2.8369 2.8025 21ST 22ND 23RD 24TH 25TH 21 2.4607 22 2.5439 2.4882 23 2.6230 2.5728 2.5178 24 2.6981 2.6528 2.6033 2.5492 25 2.7649 2.7238 2.6788 2.6296. 2.575 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT 8 FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 4 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.3763 2.3370 2.2940 2.2470 2.1955 11 2.4186 2.3846 2.3475 2.3068 2.2623 12 2.4505 2.4210 2.3886 2.3532 2.3145 13 2.4821 2.4563 2.4280 2.3971 2.3632 14 2.5135 2.4908 2.4659 2.4387 2.4089 15 2.5446 2.5245 2.5024 2.4783 2.4519 16 2.5756 2.5577 2.5382 2.5168 2.4934 17 2.6065 2.5906 2.5732 2.5542 2.5334 18 2.6372 2.6230 2.6074 2.5904 2.5718 19 2.6678 2.6551 2.6412 2.6261 2.6094 20 2.6984 2.6870 2.6745 2.6609 2.6459 21 2.7289 2.7186 2.7074 2.6951 2.6817 22 2.7593 2.7500 2.7399 2.7288 2.7167 23 2.7797 2.7713 2.7622 2.7522 2.7412 24 2.8001 2.7925 2.7843 2.7753 2.7655 25 2.8304 2.8235 2.8160 2.8079 2.7989 6TH 7TH 8TH 9TH 10TH 10 2.1392 2.0777 2.0103 1.9367 1.8561 11 2.2136 2.1604 2.1022 2.0385 1.9689 12 2.2721 2.2258 2.1752 2.1198 2.0591 13 2.3262 2.2857 2.2415 2.1930 2.1401 14 2.3764 2.3408 2.3018 2.2592 2.2127 15 2.4231 2.3915 2.3570 2.3193 2.2780 16 2.4678 2.4399 2.4092 2.3758 2.3392 17 2.5106 2.4857 2.4585 2.4287 2.3962 18 2.5514 2.5292 2.5048 2.4782 2.4490 19 2.5913 2.5714 2.5496 2.5258 2.4998 20 2.6296 2.6118 2.5922 2.5708 2.5475 21 2.6670 2.6509 2.6333 2.6141 2.5931 22 2.7034 2.6888 2.6730 2.6556 2.6366 23 2.7293 2.7162 2.7018 2.6862 2.6690 24 2.7547 2.7429 2.7300 2.7159 2.7005 25 2.7891 2.7784 2.7667 2.7538 2.7398 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 5 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.8927 12 1.9928 1.9203 13 2.0821 2.0187 1.9494 14 2.1617 2.1060 2.0450 1.9783 15 2.2328 2.1834 2.1294 2.0703 2.0056 16 2.2991 2.2553 2.2074 2.1550 2.0976 17 2.3606 2.3216 2.2790 2.2324 2.1814 18 2.4172 2.3823 2.3442 2.3025 2.2568 19 2.4714 2.4402 2.4062 2.3689 2.3282 20 2.5219 2.4939 2.4634 2.4299 2.3933 21 2.5701 2.5449 2.5174 2.4873 2.4543 22 2.6158 2.5930 2.5682 2.5409 2.5112 23 2.6503 2.6298 2.6074 2.5828 2.5560 24 2.6836 2.6651 2.6450 2.6229 2.5987 25 2.7245 2.7077 2.6894 2.6693 2.6473 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.0349 17 2.1256 2.0646 18 2.2069 2.1524 2.0927 19 2.2836 2.2349 2.1816 2.1232 20 2.3533 2.3095 2.2616 2.2092 2.1519 21 2.4183 2.3789 2.3358 2.2886 2.2371 22 2.4786 2.4430 2.4041 2.3615 2.3149 23 2.5266 2.4945 2.4594 2.4210 2.3790 24 2.5723 2.5434 2.5118 2.4772 2.4394 25 2.6233 2.5970 2.5683 2.5369 2.5025 21ST 22ND 23RD 24TH 25TH 21 2.1807 22 2.2639 2.2082 23 2.3330 2.2828 2.2278 24 2.3981 2.3528 2.3033 2.2492 25 2.4649 2.4238 2.3788 2.3296 2.2758 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 5 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.1263 2.0870 2.0440 1.9970 1.9455 11 2.1686 2.1346 2.0975 2.0568 2.0123 12 2.2005 2.1710 2.1386 2.1032 2.0645 13 2.2221 2.1963 2.1680 2.1371 2.1032 14 2.2435 2.2208 2.1959 2.1687 2.1389 15 2.2846 2.2645 2.2424 2.2183 2.1919 16 2.3056 2.2877 2.2682 2.2468 2.2234 17 2.3265 2.3106 2.2932 2.2742 2.2534 18 2.3572 2.3430 2.3274 2.3104 2.2918 19 2.3778 2.3651 2.3512 2.3361 2.3194 20 2.4084 2.3970 2.3845 2.3709 2.3559 21 2.4389 2.4286 2.4174 2.4051 2.3917 22 2.4593 2.4500 2.4399 2.4288 2.4167 23 2.4897 2.4813 2.4722 2.4622 2.4512 24 2.5101 2.5025 2.4943 2.4853 2.4755 25 2.5304 2.5235 2.5160 2.5079 2.4989 6TH 7TH 8TH 9TH 10TH 10 1.8892 1.8277 1.7603 1.6867 1.6061 11 1.9636 1.9104 1.8522 1.7885 1.7189 12 2.0221 1.9758 1.9252 1.8698 1.8091 13 2.0662 2.0257 1.9815 1.9330 1.8801 14 2.1064 2.0708 2.0318 1.9892 1.9427 15 2.1631 2.1315 2.0970 2.0593 2.0180 16 2.1978 2.1699 2.1392 2.1058 2.0692 17 2.2306 2.2057 2.1785 2.1487 2.1162 18 2.2714 2.2492 2.2248 2.1982 2.1690 19 2.3013 2.2814 2.2596 2.2358 2.2098 20 2.3396 2.3218 2.3022 2.2808 2.2575 21 2.3770 2.3609 2.3433 2.3241 2.3031 22 2.4034 2.3888 2.3730 2.3556 2.3366 23 2.4393 2.4262 2.4118 2.3962 2.3790 24 2.4647 2.4529 2.4400 2.4259 2.4105 25 2.4891 2.4784 2.4667 2.4538 2.4398 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 6 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.6427 12 1.7428 1.6703 13 1.8221 1.7587 1.6894 14 1.8917 1.8360 1.7750 1.7083 15 1.9728 1.9234 1.8694 1.8103 1.7456 16 2.0291 1.9853 1.9374 1.8850 1.8276 17 2.0806 2.0416 1.9990 1.9524 1.9014 18 2.1372 2.1023 2.0642 2.0225 1.9768 19 2.1814 2.1502 2.1162 2.0789 2.0382 20 2.2319 2.2039 2.1734 2.1399 2.1033 21 2.2801 2.2549 2.2274 2.1973 2.1643 22 2.3158 2.2930 2.2682 2.2409 2.2112 23 2.3603 2.3398 2.3174 2.2928 2.2660 24 2.3936 2.3751 2.3550 2.3329 2.3087 25 2.4245 2.4077 2.3894 2.3693 2.3473 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.7649 17 1.8456 1.7846 18 1.9269 1.8724 1.8127 19 1.9936 1.9449 1.8916 1.8332 20 2.0633 2.0195 1.9716 1.9192 1.8619 21 2.1283 2.0889 2.0458 1.9986 1.9471 22 2.1786 2.1430 2.1041 2.0615 2.0149 23 2.2366 2.2045 2.1694 2.1310 2.0890 24 2.2823 2.2534 2.2218 2.1872 2.1494 25 2.3233 2.2970 2.2683 2.2369 2.2025 21ST 22ND 23RD 24TH 25TH 21 1.8907 22 1.9639 1.9082 23 2.0430 1.9928 1.9378 24 2.1081 2.0628 2.0133 1.9592 25 2.1649 2.1238 2.0788 2.0296 1.9758 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 6 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.7463 1.7070 1.6640 1.6170 1.5655 11 1.7786 1.7446 1.7075 1.6668 1.6223 12 1.8005 1.7710 1.7386 1.7032 1.6645 13 1.8221 1.7963 1.7680 1.7371 1.7032 14 1.8435 1.8208 1.7959 1.7687 1.7389 15 1.8746 1.8545 1.8324 1.8083 1.7819 16 1.8856 1.8677 1.8482 1.8268 1.8034 17 1.9065 1.8906 1.8732 1.8542 1.8334 18 1.9372 1.9230 1.9074 1.8904 1.8718 19 1.9478 1.9351 1.9212 1.9061 1.8894 20 1.9684 1.9570 1.9445 1.9309 1.9159 21 1.9889 1.9786 1.9674 1.9551 1.9417 22 2.0093 2.0000 1.9899 1.9788 1.9667 23 2.0297 2.0213 2.0122 2.0022 1.9912 24 2.0401 2.0325 2.0243 2.0153 2.0055 25 2.0704 2.0635 2.0560 2.0479 2.0389 6TH 7TH 8TH 9TH 10TH 10 1.5092 1.4477 1.3803 1.3067 1.2261 11 1.5735 1.5204 1.4622 1.3985 1.3289 12 1.6221 1.5758 1.5252 1.4698 1.4091 13 1.6662 1.6257 1.5815 1.5330 1.4801 14 1.7064 1.6708 1.6318 1.5892 1.5427 15 1.7531 1.7215 1.6870 1.6493 1.6080 16 1.7778 1.7499 1.7192 1.6858 1.6492 17 1.8106 1.7857 1.7585 1.7287 1.6962 18 1.8514 1.8292 1.8048 1.7782 1.7490 19 1.8713 1.8514 1.8296 1.8058 1.7798 20 1.8996 1.8818 1.8622 1.8408 1.8175 21 1.9270 1.9109 1.8933 1.8741 1.8531 22 1.9534 1.9388 1.9230 1.9056 1.8866 23 1.9793 1.9662 1.9518 1.9362 1.9190 24 1.9947 1.9829 1.9700 1.9559 1.9405 25 2.0291 2.0184 2.0067 1.9938 1.9798 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 7 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.2527 12 1.3428 1.2703 13 1.4221 1.3587 1.2894 14 1.4917 1.4360 1.3750 1.3083 15 1.5628 1.5134 1.4594 1.4003 1.3356 16 1.6091 1.5653 1.5174 1.4650 1.4076 17 1.6606 1.6216 1.5790 1.5324 1.4814 18 1.7172 1.6823 1.6442 1.6025 1.5568 19 1.7514 1.7202 1.6862 1.6489 1.6082 20 1.7919 1.7639 1.7334 1.6999 1.6633 21 1.8301 1.8049 1.7774 1.7473 1.7143 22 1.8658 1.8430 1.8182 1.7909 1.7612 23 1.9003 1.8798 1.8574 1.8328 1.8060 24 1.9236 1.9051 1.8850 1.8629 1.8387 25 1.9645 1.9477 1.9294 1.9093 1.8873 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.3449 17 1.4256 1.3646 18 1.5069 1.4524 1.3927 19 1.5636 1.5149 1.4616 1.4032 20 1.6233 1.5795 1.5316 1.4792 1.4219 21 1.6783 1.6389 1.5958 1.5486 1.4971 22 1.7286 1.6930 1.6541 1.6115 1.5649 23 1.7766 1.7445 1.7094 1.6710 1.6290 24 1.8123 1.7834 1.7518 1.7172 1.6794 25 1.8633 1.8370 1.8083 1.7769 1.7425 21ST 22ND 23RD 24TH 25TH 21 1.4407 22 1.5139 1.4582 23 1.5830 1.5328 1.4778 24 1.6381 1.5928 1.5433 1.4892 25 1.7049 1.6638 1.6188 1.5696 1.5158 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 7 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.4863 1.4470 1.4040 1.3570 1.3055 11 1.5186 1.4846 1.4475 1.4068 1.3623 12 1.5405 1.5110 1.4786 1.4432 1.4045 13 1.5521 1.5263 1.4980 1.4671 1.4332 14 1.5635 1.5408 1.5159 1.4887 1.4589 15 1.5946 1.5745 1.5524 1.5283 1.5019 16 1.6056 1.5877 1.5682 1.5468 1.5234 17 1.6165 1.6006 1.5832 1.5642 1.5434 18 1.6372 1.6230 1.6074 1.5904 1.5718 19 1.6478 1.6351 1.6212 1.6061 1.5894 20 1.6684 1.6570 1.6445 1.6309 1.6159 21 1.6889 1.6786 1.6674 1.6551 1.6417 22 1.7093 1.7000 1.6899 1.6780 1.6667 23 1.7197 1.7113 1.7022 1.6922 1.6812 24 1.7301 1.7225 1.7143 1.7053 1.6955 25 1.7504 1.7435 1.7360 1.7279 1.7189 6TH 7TH 8TH 9TH 10TH 10 1.2492 1.1877 1.1203 1.0467 .9661 11 1.3136 1.2604 1.2022 1.1385 1.0689 12 1.3621 1.3158 1.2652 1.2098 1.1491 13 1.3962 1.3557 1.3115 1.2630 1.2101 14 1.4264 1.3908 1.3518 1.3092 1.2627 15 1.4731 1.4415 1.4070 1.3693 1.3280 16 1.4978 1.4699 1.4392 1.4058 1.3692 17 1.5206 1.4957 1.4685 1.4387 1.4062 18 1.5514 1.5292 1.5048 1.4782 1.4490 19 1.5713 1.5514 1.5296 1.5058 1.4798 20 1.5996 1.5818 1.5622 1.5408 1.5175 21 1.6270 1.6109 1.5933 1.5741 1.5531 22 1.6534 1.6388 1.6230 1.6056 1.5866 23 1.6693 1.6562 1.6418 1.6262 1.6090 24 1.6847 1.6729 1.6600 1.6459 1.6305 25 1.7091 1.6984 1.6867 1.6738 1.6598 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 8 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 .9927 12 1.0828 1.0103 13 1.1521 1.0887 1.0194 14 1.2117 1.1560 1.0950 1.0283 15 1.2828 1.2334 1.1794 1.1203 1.0556 16 1.3291 1.2853 1.2374 1.1850 1.1276 17 1.3706 1.3316 1.2890 1.2424 1.1914 18 1.4172 1.3823 1.3442 1.3025 1.2568 19 1.4514 1.4202 1.3862 1.3489 1.3082 20 1.4919 1.4639 1.4334 1.3999 1.3633 21 1.5301 1.5049 1.4774 1.4473 1.4143 22 1.5658 1.5430 1.5182 1.4909 1.4612 23 1.5903 1.5698 1.5474 1.5228 1.4960 24 1.6136 1.5951 1.5750 1.5529 1.5287 25 1.6445 1.6277 1.6094 1.5893 1.5673 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.0649 17 1.1356 1.0746 18 1.2069 1.1524 1.0927 19 1.2636 1.2149 1.1616 1.1032 20 1.3233 1.2795 1.2316 1.1792 1.1219 21 1.3783 1.3389 1.2958 1.2486 1.1971 22 1.4286 1.3930 1.3541 1.3115 1.2649 23 1.4666 1.4345 1.3994 1.3610 1.3190 24 1.5023 1.4734 1.4418 1.4072 1.3694 25 1.5433 1.5170 1.4883 1.4569 1.4225 21ST 22ND 23RD 24TH 25TH 21 1.1407 22 1.2139 1.1582 23 1.2730 1.2228 1.1678 24 1.3281 1.2828 1.2333 1.1792 25 1.3849 1.3438 1.2988 1.2496 1.1958 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 8 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.0963 1.0570 1.0140 .9670 .9155 11 1.1186 1.0846 1.0475 1.0068 .9623 12 1.1305 1.1010 1.0686 1.0332 .9945 13 1.1321 1.1063 1.0780 1.0471 1.0132 14 1.1435 1.1208 1.0959 1.0687 1.0389 15 1.1646 1.1445 1.1224 1.0983 1.0719 16 1.1756 1.1577 1.1382 1.1168 1.0934 17 1.1765 1.1606 1.1432 1.1242 1.1034 18 1.1972 1.1830 1.1674 1.1504 1.1318 19 1.1978 1.1851 1.1712 1.1561 1.1394 20 1.2084 1.1970 1.1845 1.1709 1.1559 21 1.2189 1.2086 1.1974 1.1851 1.1717 22 1.2293 1.2200 1.2099 1.1988 1.1867 23 1.2397 1.2313 1.2222 1.2122 1.2012 24 1.2401 1.2325 1.2243 1.2153 1.2055 25 1.2604 1.2535 1.2460 1.2379 1.2289 6TH 7TH 8TH 9TH 10TH 10 .8592 .7977 .7303 .6567 .5761 11 .9136 .8604 .8022 .7385 .6689 12 .9521 .9058 .8552 .7998 .7391 13 .9762 .9357 .8915 .8430 .7901 14 1.0064 .9708 .9318 .8892 .8427 15 1.0431 1.0115 .9770 .9393 .8980 16 1.0678 1.0399 1.0092 .9758 .9392 17 1.0806 1.0557 1.0285 .9987 .9662 18 1.1114 1.0892 1.0648 1.0382 1.0090 19 1.1213 1.1014 1.0796 1.0558 1.0298 20 1.1396 1.1218 1.1022 1.0808 1.0575 21 1.1570 1.1409 1.1233 1.1041 1.0831 22 1.1734 1.1588 1.1430 1.1256 1.1066 23 1.1893 1.1762 1.1618 1.1462 1.1290 24 1.1947 1.1829 1.1700 1.1559 1.1405 25 1.2191 1.2084 1.1967 1.1838 1.1698 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 9 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 .5927 12 .6728 .6003 13 .7321 .6687 .5994 14 .7917 .7360 .6750 .6083 15 .8528 .8034 .7494 .6903 .6256 16 .8991 .8553 .8074 .7550 .6976 17 .9306 .8916 .8490 .8024 .7514 18 .9772 .9423 .9042 .8625 .8168 19 1.0014 .9702 .9362 .8989 .8582 20 1.0319 1.0039 .9734 .9399 .9033 21 1.0601 1.0349 1.0074 .9773 .9443 22 1.0858 1.0630 1.0382 1.0109 .9812 23 1.1103 1.0898 1.0674 1.0428 1.0160 24 1.1236 1.1051 1.0850 1.0629 1.0387 25 1.1545 1.1377 1.1194 1.0993 1.0773 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 .6349 17 .6956 .6346 18 .7669 .7124 .6527 19 .8136 .7649 .7116 .6532 20 .8633 .8195 .7716 .7192 .6619 21 .9083 .8689 .8258 .7786 .7271 22 .9486 .9130 .8741 .8315 .7849 23 .9866 .9545 .9194 .8810 .8390 24 1.0123 .9834 .9518 .9172 .8794 25 1.0533 1.0270 .9983 .9669 .9325 21ST 22ND 23RD 24TH 25TH 21 .6707 22 .7339 .6782 23 .7930 .7428 .6878 24 .8381 .7928 .7433 .6892 25 .8949 .8538 .8088 .7596 .7058 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 9 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.7368 4.6984 4.6562 4.6098 4.5589 11 4.7991 4.7661 4.7298 4.6898 4.6460 12 4.8610 4.8323 4.8008 4.7661 4.7280 13 4.9225 4.8975 4.8701 4.8398 4.8066 14 4.9739 4.9519 4.9278 4.9013 4.8721 15 5.0350 5.0156 4.9944 4.9710 4.9453 16 5.0860 5.0689 5.0502 5.0295 5.0069 17 5.1358 5.1216 5.1050 5.0867 5.0666 18 5.1875 5.1741 5.1592 5.1430 5.1251 19 5.2481 5.2361 5.2229 5.2084 5.1924 20 5.3087 5.2979 5.2860 5.2730 5.2586 21 5.3492 5.3395 5.3289 5.3172 5.3044 22 5.3996 5.3909 5.3814 5.3710 5.3595 23 5.4500 5.4423 5.4337 5.4244 5.4141 24 5.5003 5.4933 5.4857 5.4772 5.4680 25 5.5506 5.5443 5.5374 5.5298 5.5215 6TH 7TH 8TH 9TH 10TH 10 4.5028 4.4412 4.3735 4.2991 4.2173 11 4.5977 4.5447 4.4865 4.4224 4.3520 12 4.6862 4.6401 4.5895 4.5339 4.4728 13 4.7701 4.7300 4.6858 4.6373 4.5840 14 4.8400 4.8048 4.7661 4.7235 4.6767 15 4.9170 4.8859 4.8518 4.8143 4.7730 16 4.9820 4.9546 4.9245 4.8914 4.8550 17 5.0444 5.0201 4.9934 4.9640 4.9317 18 5.1054 5.0838 5.0600 5.0339 5.0052 19 5.1749 5.1556 5.1344 5.1111 5.0854 20 5.2429 5.2255 5.2065 5.1855 5.1625 21 5.2903 5.2748 5.2578 5.2391 5.2185 22 5.3468 5.3329 5.3176 5.3009 5.2824 23 5.4028 5.3904 5.3767 5.3617 5.3452 24 5.4578 5.4466 5.4343 5.4207 5.4059 25 5.5123 5.5022 5.4911 5.4789 5.4655 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 10 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.2746 12 4.4056 4.3317 13 4.5254 4.4610 4.3902 14 4.6253 4.5687 4.5066 4.4382 15 4.7276 4.6778 4.6230 4.5627 4.4965 16 4.8150 4.7711 4.7228 4.6696 4.6113 17 4.8962 4.8571 4.8142 4.7671 4.7152 18 4.9736 4.9389 4.9007 4.8588 4.8127 19 5.0573 5.0263 4.9923 4.9549 4.9137 20 5.1372 5.1094 5.0788 5.0452 5.0083 21 5.1959 5.1710 5.1437 5.1137 5.0806 22 5.2621 5.2398 5.2153 5.1883 5.1587 23 5.3271 5.3071 5.2852 5.2611 5.2346 24 5.3895 5.3715 5.3518 5.3301 5.3062 25 5.4507 5.4345 5.4167 5.3971 5.3756 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.5471 17 4.6582 4.5956 18 4.7620 4.7063 4.6451 19 4.8685 4.8188 4.7642 4.7041 20 4.9676 4.9230 4.8739 4.8200 4.7607 21 5.0443 5.0044 4.9606 4.9123 4.8593 22 5.1261 5.0903 5.0510 5.0077 4.9602 23 5.2055 5.1735 5.1383 5.0996 5.0571 24 5.2799 5.2511 5.2194 5.1845 5.1462 25 5.3520 5.3259 5.2974 5.2659 5.2314 21ST 22ND 23RD 24TH 25TH 21 4.8011 22 4.9079 4.8504 23 5.0104 4.9590 4.9025 24 5.1041 5.0578 5.0069 4.9509 25 5.1934 5.1517 5.1058 5.0553 4.9999 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 10 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.3768 3.3384 3.2962 3.2498 3.1989 11 3.4291 3.3961 3.3598 3.3198 3.2760 12 3.4810 3.4523 3.4208 3.3861 3.3480 13 3.5225 3.4975 3.4701 3.4398 3.4066 14 3.5739 3.5519 3.5278 3.5013 3.4721 15 3.6250 3.6056 3.5844 3.5610 3.5353 16 3.6660 3.6489 3.6302 3.6095 3.5869 17 3.7068 3.6916 3.6750 3.6567 3.6366 18 3.7475 3.7341 3.7192 3.7030 3.6851 19 3.7981 3.7861 3.7729 3.7584 3.7424 20 3.8487 3.8379 3.8260 3.8130 3.7986 21 3.8792 3.8695 3.8589 3.8472 3.8344 22 3.9196 3.9109 3.9014 3.8910 3.8795 23 3.9600 3.9523 3.9437 3.9344 3.9241 24 4.0003 3.9933 3.9857 3.9772 3.9680 25 4.0406 4.0343 4.0274 4.0198 4.0115 6TH 7TH 8TH 9TH 10TH 10 3.1428 3.0812 3.0135 2.9391 2.8573 11 3.2277 3.1747 3.1165 3.0524 2.9820 12 3.3062 3.2601 3.2095 3.1539 3.0928 13 3.3701 3.3300 3.2858 3.2373 3.1840 14 3.4400 3.4048 3.3661 3.3235 3.2767 15 3.5070 3.4759 3.4418 3.4043 3.3630 16 3.5620 3.5346 3.5045 3.4714 3.4350 17 3.6144 3.5901 3.5634 3.5340 3.5017 18 3.6654 3.6438 3.6200 3.5939 3.5652 19 3.7249 3.7056 3.6844 3.6611 3.6354 20 3.7829 3.7655 3.7465 3.7255 3.7025 21 3.8203 3.8048 3.7878 3.7691 3.7485 22 3.8668 3.8529 3.8376 3.8209 3.8024 23 3.9128 3.9004 3.8867 3.8717 3.8552 24 3.9578 3.9466 3.9343 3.9207 3.9059 25 4.0023 3.9922 3.9811 3.9689 3.9555 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 11 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.9046 12 3.0256 2.9517 13 3.1254 3.0610 2.9902 14 3.2253 3.1687 3.1066 3.0382 15 3.3176 3.2678 3.2130 3.1527 3.0865 16 3.3950 3.3511 3.3028 3.2496 3.1913 17 3.4662 3.4271 3.3842 3.3371 3.2852 18 3.5336 3.4989 3.4607 3.4188 3.3727 19 3.6073 3.5763 3.5423 3.5049 3.4637 20 3.6772 3.6494 3.6188 3.5852 3.5483 21 3.7259 3.7010 3.6737 3.6437 3.6106 22 3.7821 3.7598 3.7353 3.7083 3.6787 23 3.8371 3.8171 3.7952 3.7711 3.7446 24 3.8895 3.8715 3.8518 3.8301 3.8062 25 3.9407 3.9245 3.9067 3.8871 3.8656 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.1271 17 3.2282 3.1656 18 3.3220 3.2663 3.2051 19 3.4185 3.3688 3.3142 3.2541 20 3.5076 3.4630 3.4139 3.3600 3.3007 21 3.5743 3.5344 3.4906 3.4423 3.3893 22 3.6461 3.6103 3.5710 3.5277 3.4802 23 3.7155 3.6835 3.6483 3.6096 3.5671 24 3.7799 3.7511 3.7194 3.6845 3.6462 25 3.8420 3.8159 3.7874 3.7559 3.7214 21ST 22ND 23RD 24TH 25TH 21 3.3311 22 3.4279 3.3704 23 3.5204 3.4690 3.4125 24 3.6041 3.5578 3.5069 3.4509 25 3.6834 3.6417 3.5958 3.5453 3.4899 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 11 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.0168 2.9784 2.9362 2.8898 2.8389 11 3.0591 3.0261 2.9898 2.9498 2.9060 12 3.1110 3.0823 3.0508 3.0161 2.9780 13 3.1525 3.1275 3.1001 3.0698 3.0366 14 3.1939 3.1719 3.1478 3.1213 3.0921 15 3.2450 3.2256 3.2044 3.1810 3.1553 16 3.2760 3.2589 3.2402 3.2195 3.1969 17 3.3168 3.3016 3.2850 3.2667 3.2466 18 3.3575 3.3441 3.3292 3.3130 3.2951 19 3.3981 3.3861 3.3729 3.3584 3.3424 20 3.4387 3.4279 3.4160 3.4030 3.3886 21 3.4792 3.4695 3.4589 3.4472 3.4344 22 3.5096 3.5009 3.4914 3.4810 3.4695 23 3.5400 3.5323 3.5237 3.5144 3.5041 24 3.5803 3.5733 3.5657 3.5572 3.5480 25 3.6106 3.6043 3.5974 3.5898 3.5815 6TH 7TH 8TH 9TH 10TH 10 2.7828 2.7212 2.6535 2.5791 2.4973 11 2.8577 2.8047 2.7465 2.6824 2.6120 12 2.9362 2.8901 2.8395 2.7839 2.7228 13 3.0001 2.9600 2.9158 2.8673 2.8140 14 3.0600 3.0248 2.9861 2.9435 2.8967 15 3.1270 3.0959 3.0618 3.0243 2.9830 16 3.1720 3.1446 3.1145 3.0814 3.0450 17 3.2244 3.2001 3.1734 3.1440 3.1117 18 3.2754 3.2538 3.2300 3.2039 3.1752 19 3.3249 3.3056 3.2844 3.2611 3.2354 20 3.3729 3.3555 3.3365 3.3155 3.2925 21 3.4203 3.4048 3.3878 3.3691 3.3485 22 3.4568 3.4429 3.4276 3.4109 3.3924 23 3.4928 3.4804 3.4667 3.4517 3.4352 24 3.5378 3.5266 3.5143 3.5007 3.4859 25 3.5723 3.5622 3.5511 3.5389 3.5255 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 12 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.5346 12 2.6556 2.5817 13 2.7554 2.6910 2.6202 14 2.8453 2.7887 2.7266 2.6582 15 2.9376 2.8878 2.8330 2.7727 2.7065 16 3.0050 2.9611 2.9128 2.8596 2.8013 17 3.0762 3.0371 2.9942 2.9471 2.8952 18 3.1436 3.1089 3.0707 3.0288 2.9827 19 3.2073 3.1763 3.1423 3.1049 3.0637 20 3.2672 3.2394 3.2088 3.1752 3.1383 21 3.3259 3.3010 3.2737 3.2437 3.2106 22 3.3721 3.3498 3.3253 3.2983 3.2687 23 3.4171 3.3971 3.3752 3.3511 3.3246 24 3.4695 3.4515 3.4318 3.4101 3.3862 25 3.5107 3.4945 3.4767 3.4571 3.4356 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.7371 17 2.8382 2.7756 18 2.9320 2.8763 2.8151 19 3.0185 2.9688 2.9142 2.8541 20 3.0976 3.0530 3.0039 2.9500 2.8907 21 3.1743 3.1344 3.0906 3.0423 2.9893 22 3.2361 3.2003 3.1610 3.1177 3.0702 23 3.2955 3.2635 3.2283 3.1896 3.1471 24 3.3599 3.3311 3.2994 3.2645 3.2262 25 3.4120 3.3859 3.3574 3.3259 3.2914 21ST 22ND 23RD 24TH 25TH 21 2.9311 22 3.0179 2.9604 23 3.1004 3.0490 2.9925 24 3.1841 3.1378 3.0869 3.0309 25 3.2534 3.2117 3.1658 3.1153 3.0599 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 12 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.8968 2.8584 2.8162 2.7698 2.7189 11 2.9391 2.9061 2.8698 2.8298 2.7860 12 2.9910 2.9623 2.9308 2.8961 2.8580 13 3.0225 2.9975 2.9701 2.9398 2.9066 14 3.0739 3.0519 3.0278 3.0013 2.9721 15 3.1150 3.0956 3.0744 3.0510 3.0253 16 3.1460 3.1289 3.1102 3.0895 3.0669 17 3.1868 3.1716 3.1550 3.1367 3.1166 18 3.2175 3.2041 3.1892 3.1730 3.1551 19 3.2581 3.2461 3.2329 3.2184 3.2024 20 3.3087 3.2979 3.2860 3.2730 3.2586 21 3.3392 3.3295 3.3189 3.3072 3.2944 22 3.3696 3.3609 3.3514 3.3410 3.3295 23 3.4000 3.3923 3.3837 3.3744 3.3641 24 3.4403 3.4333 3.4257 3.4172 3.4080 25 3.4706 3.4643 3.4574 3.4498 3.4415 6TH 7TH 8TH 9TH 10TH 10 2.6628 2.6012 2.5335 2.4591 2.3773 11 2.7377 2.6847 2.6265 2.5624 2.4920 12 2.8162 2.7701 2.7195 2.6639 2.6028 13 2.8701 2.8300 2.7858 2.7373 2.6840 14 2.9400 2.9048 2.8661 2.8235 2.7767 15 2.9970 2.9659 2.9318 2.8943 2.8530 16 3.0420 3.0146 2.9845 2.9514 2.9150 17 3.0944 3.0701 3.0434 3.0140 2.9817 18 3.1354 3.1138 3.0900 3.0639 3.0352 19 3.1849 3.1656 3.1444 3.1211 3.0954 20 3.2429 3.2255 3.2065 3.1855 3.1625 21 3.2803 3.2648 3.2478 3.2291 3.2085 22 3.3168 3.3029 3.2876 3.2709 3.2524 23 3.3528 3.3404 3.3267 3.3117 3.2952 24 3.3978 3.3866 3.3743 3.3607 3.3459 25 3.4323 3.4222 3.4111 3.3989 3.3855 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 13 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.4146 12 2.5356 2.4617 13 2.6254 2.5610 2.4902 14 2.7253 2.6687 2.6066 2.5382 15 2.8076 2.7578 2.7030 2.6427 2.5765 16 2.8750 2.8311 2.7828 2.7296 2.6713 17 2.9462 2.9071 2.8642 2.8171 2.7652 18 3.0036 2.9689 2.9307 2.8888 2.8427 19 3.0673 3.0363 3.0023 2.9649 2.9237 20 3.1372 3.1094 3.0788 3.0452 3.0083 21 3.1859 3.1610 3.1337 3.1037 3.0706 22 3.2321 3.2098 3.1853 3.1583 3.1287 23 3.2771 3.2571 3.2352 3.2111 3.1846 24 3.3295 3.3115 3.2918 3.2701 3.2462 25 3.3707 3.3545 3.3367 3.3171 3.2956 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.6071 17 2.7082 2.6456 18 2.7920 2.7363 2.6751 19 2.8785 2.8288 2.7742 2.7141 20 2.9676 2.9230 2.8739 2.8200 2.7607 21 3.0343 2.9944 2.9506 2.9023 2.8493 22 3.0961 3.0603 3.0210 2.9777 2.9302 23 3.1555 3.1235 3.0883 3.0496 3.0071 24 3.2199 3.1911 3.1594 3.1245 3.0862 25 3.2720 3.2459 3.2174 3.1859 3.1514 21ST 22ND 23RD 24TH 25TH 21 2.7911 22 2.8779 2.8204 23 2.9604 2.9090 2.8525 24 3.0441 2.9978 2.9469 2.8909 25 3.1134 3.0717 3.0258 2.9753 2.9199 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 13 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.6468 2.6084 2.5662 2.5198 2.4689 11 2.6891 2.6561 2.6198 2.5798 2.5360 12 2.7310 2.7023 2.6700 2.6361 2.5980 13 2.7725 2.7475 2.7201 2.6898 2.6566 14 2.8139 2.7919 2.7678 2.7413 2.7121 15 2.8450 2.8256 2.8044 2.7810 2.7553 16 2.8760 2.8589 2.8402 2.8195 2.7969 17 2.9168 2.9016 2.8850 2.8667 2.8466 18 2.9475 2.9341 2.9192 2.9030 2.8851 19 2.9881 2.9761 2.9629 2.9484 2.9324 20 3.0287 3.0179 3.0060 2.9930 2.9786 21 3.0592 3.0495 3.0389 3.0272 3.0144 22 3.0896 3.0809 3.0714 3.0610 3.0495 23 3.1100 3.1023 3.0937 3.0844 3.0741 24 3.1403 3.1333 3.1257 3.1172 3.1080 25 3.1706 3.1543 3.1574 3.1498 3.1415 6TH 7TH 8TH 9TH 10TH 10 2.4128 2.3512 2.2835 2.2091 2.1273 11 2.4877 2.4347 2.3765 2.3124 2.2420 12 2.5562 2.5101 2.4595 2.4039 2.3428 13 2.6201 2.5800 2.5358 2.4873 2.4340 14 2.6800 2.6448 2.6061 2.5635 2.5167 15 2.7270 2.6959 2.6618 2.6243 2.5830 16 2.7720 2.7446 2.7145 2.6814 2.6450 17 2.8244 2.8001 2.7734 2.7440 2.7117 18 2.8654 2.8438 2.8200 2.7939 2.7652 19 2.9149 2.8956 2.8744 2.8511 2.8254 20 2.9629 2.9455 2.9265 2.9055 2.8825 21 3.0003 2.9848 2.9678 2.9491 2.9285 22 3.0368 3.0229 3.0076 2.9909 2.9724 23 3.0628 3.0504 3.0367 3.0217 3.0052 24 3.0978 3.0866 3.0743 3.0607 3.0459 25 3.1323 3.1222 3.1111 3.0989 3.0855 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 14 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.1646 12 2.2756 2.2017 13 2.3754 2.3110 2.2402 14 2.4653 2.4087 2.3466 2.2782 15 2.5376 2.4878 2.4330 2.3727 2.3065 16 2.6050 2.5611 2.5128 2.4596 2.4013 17 2.6762 2.6371 2.5942 2.5471 2.4952 18 2.7336 2.6989 2.6607 2.6188 2.5727 19 2.7973 2.7663 2.7323 2.6949 2.6537 20 2.8572 2.8294 2.7988 2.7652 2.7283 21 2.9059 2.8810 2.8537 2.8237 2.7906 22 2.9521 2.9298 2.9053 2.8783 2.8487 23 2.9871 2.9671 2.9452 2.9211 2.8946 24 3.0295 3.0115 2.9918 2.9701 2.9462 25 3.0707 3.0545 3.0367 3.0171 2.9956 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.3371 17 2.4382 2.3756 18 2.5220 2.4663 2.4051 19 2.6085 2.5588 2.5042 2.4441 20 2.6876 2.6430 2.5939 2.5400 2.4807 21 2.7543 2.7144 2.6706 2.6223 2.5693 22 2.8161 2.7803 2.7410 2.6977 2.6502 23 2.8655 2.8335 2.7983 2.7596 2.7171 24 2.9199 2.8911 2.8594 2.8245 2.7862 25 2.9720 2.9459 2.9174 2.8859 2.8514 21ST 22ND 23RD 24TH 25TH 21 2.5111 22 2.5979 2.5404 23 2.6704 2.6190 2.5625 24 2.7441 2.6978 2.6469 2.5909 25 2.8134 2.7717 2.7258 2.6753 2.6199 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 14 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.3968 2.3584 2.3162 2.2698 2.2189 11 2.4391 2.4061 2.3698 2.3298 2.2860 12 2.4810 2.4523 2.4208 2.3861 2.3480 13 2.5125 2.4875 2.4601 2.4290 2.3966 14 2.5439 2.5219 2.4978 2.4713 2.4421 15 2.5850 2.5656 2.5444 2.5210 2.4953 16 2.6060 2.5889 2.5702 2.5495 2.5269 17 2.6366 2.6216 2.6050 2.5867 2.5666 18 2.6675 2.6541 2.6392 2.6230 2.6051 19 2.6981 2.6861 2.6729 2.6584 2.6424 20 2.7387 2.7279 2.7160 2.7030 2.6886 21 2.7692 2.7595 2.7489 2.7372 2.7244 22 2.7896 2.7809 2.7714 2.7610 2.7495 23 2.8200 2.8123 2.8037 2.7944 2.7841 24 2.8503 2.8433 2.8357 2.8272 2.8180 25 2.8706 2.8643 2.8574 2.8498 2.8415 6TH 7TH 8TH 9TH 10TH 10 2.1628 2.1012 2.0335 1.9591 1.8773 11 2.2377 2.1847 2.1265 2.0624 1.9920 12 2.3062 2.2601 2.2095 2.1539 2.0928 13 2.3601 2.3200 2.2758 2.2273 2.1740 14 2.4100 2.3748 2.3361 2.2935 2.2467 15 2.4670 2.4359 2.4018 2.3643 2.3230 16 2.5020 2.4746 2.4445 2.4114 2.3750 17 2.5444 2.5201 2.4934 2.4640 2.4317 18 2.5854 2.5638 2.5400 2.5139 2.4852 19 2.6249 2.6056 2.5844 2.5611 2.5354 20 2.6729 2.6555 2.6365 2.5155 2.5225 21 2.7103 2.6948 2.6778 2.6591 2.6385 22 2.7368 2.7229 2.7076 2.6909 2.6724 23 2.7728 2.7604 2.7467 2.7317 2.7152 24 2.8078 2.7966 2.7843 2.7707 2.7559 25 2.8323 2.8222 2.8111 2.7989 2.7855 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 15 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.9146 12 2.0256 1.9517 13 2.1154 2.0510 1.9802 14 2.1953 2.1387 2.0766 2.0082 15 2.2776 2.2278 2.1730 2.1127 2.0465 16 2.3350 2.2911 2.2428 2.1896 2.1313 17 2.3962 2.3571 2.3142 2.2671 2.2152 18 2.4536 2.4189 2.3807 2.3388 2.2927 19 2.5073 2.4763 2.4423 2.4049 2.3637 20 2.5672 2.5394 2.5080 2.4752 2.4383 21 2.6159 2.5910 2.5637 2.5337 2.5006 22 2.6521 2.6298 2.6053 2.5783 2.5487 23 2.6971 2.6771 2.6552 2.6311 2.6046 24 2.7395 2.7215 2.7018 2.6801 2.6562 25 2.7707 2.7545 2.7367 2.7171 2.6956 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.0671 17 2.1582 2.0956 18 2.2420 2.1863 2.1251 19 2.3185 2.2688 2.2142 2.1541 20 2.3976 2.3530 2.3039 2.2500 2.1907 21 2.4643 2.4244 2.3806 2.3323 2.2793 22 2.5161 2.4803 2.4410 2.3977 2.3502 23 2.5755 2.5435 2.5083 2.4696 2.4271 24 2.6299 2.6011 2.5694 2.5345 2.4962 25 2.6720 2.6459 2.6174 2.5859 2.5514 21ST 22ND 23RD 24TH 25TH 21 2.2211 22 2.2979 2.2404 23 2.3804 2.3290 2.2725 24 2.4541 2.4078 2.3569 2.3009 25 2.5134 2.4717 2.4258 2.3753 2.3199 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 15 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.0168 1.9784 1.9362 1.8898 1.8389 11 2.0491 2.0161 1.9798 1.9398 1.8960 12 2.0810 2.0523 2.0208 1.9861 1.9480 13 2.1125 2.0875 2.0601 2.0298 1.9966 14 2.1439 2.1219 2.0978 2.0713 2.0421 15 2.1750 2.1556 2.1344 2.1110 2.0853 16 2.1860 2.1689 2.1502 2.1295 2.1069 17 2.2168 2.2016 2.1850 2.1667 2.1466 18 2.2475 2.2341 2.2192 2.2030 2.1851 19 2.2681 2.2561 2.2429 2.2284 2.2124 20 2.2987 2.2879 2.2760 2.2630 2.2486 21 2.3192 2.3095 2.2989 2.2872 2.2744 22 2.3396 2.3309 2.3214 2.3110 2.2995 23 2.3600 2.3523 2.3437 2.3344 2.3241 24 2.3803 2.3733 2.3657 2.3572 2.3480 25 2.4106 2.4043 2.3974 2.3898 2.3815 6TH 7TH 8TH 9TH 10TH 10 1.7828 1.7212 1.6535 1.5791 1.4973 11 1.8477 1.7947 1.7365 1.6724 1.6020 12 1.9062 1.8601 1.8095 1.7539 1.6928 13 1.9601 1.9200 1.8758 1.8273 1.7740 14 2.0100 1.9748 1.9361 1.8935 1.8467 15 2.0570 2.0259 1.9918 1.9543 1.9130 16 2.0820 2.0546 2.0245 1.9914 1.9550 17 2.1244 2.1001 2.0734 2.0440 2.0117 18 2.1654 2.1438 2.1200 2.0939 2.0652 19 2.1949 2.1756 2.1544 2.1311 2.1054 20 2.2329 2.2155 2.1965 2.1755 2.1525 21 2.2603 2.2448 2.2278 2.2091 2.1885 22 2.2868 2.2729 2.2576 2.2409 2.2224 23 2.3128 2.3004 2.2867 2.2717 2.2552 24 2.3378 2.3266 2.3143 2.3007 2.2859 25 2.3723 2.3622 2.3511 2.3389 2.3255 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 16 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.5246 12 1.6256 1.5517 13 1.7154 1.6510 1.5802 14 1.7953 1.7387 1.6766 1.6082 15 1.8676 1.8178 1.7630 1.7027 1.6365 16 1.9150 1.8711 1.8228 1.7696 1.7113 17 1.9762 1.9371 1.8942 1.8471 1.7952 18 2.0336 1.9989 1.9607 1.9188 1.8727 19 2.0773 2.0463 2.0123 1.9749 1.9337 20 2.1272 2.0994 2.0688 2.0352 1.9983 21 2.1659 2.1410 2.1137 2.0837 2.0506 22 2.2021 2.1798 2.1553 2.1283 2.0987 23 2.2371 2.2171 2.1952 2.1711 2.1446 24 2.2695 2.2515 2.2318 2.2101 2.1862 25 2.3107 2.2945 2.2767 2.2571 2.2356 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.6471 17 1.7382 1.6756 18 1.8220 1.7663 1.7051 19 1.8885 1.8388 1.7842 1.7241 20 1.9576 1.9130 1.8639 1.8100 1.7507 21 2.0143 1.9744 1.9306 1.8823 1.8293 22 2.0661 2.0303 1.9910 1.9477 1.9002 23 2.1155 2.0835 2.0483 2.0096 1.9671 24 2.1599 2.1311 2.0994 2.0645 2.0262 25 2.2120 2.1859 2.1574 2.1259 2.0914 21ST 22ND 23RD 24TH 25TH 21 1.7711 22 1.8479 1.7904 23 1.9204 1.8690 1.8125 24 1.9841 1.9378 1.8869 1.8309 25 2.0534 2.0117 1.9658 1.9153 1.8599 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 16 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.7568 1.7184 1.6762 1.6298 1.5789 11 1.7891 1.7561 1.7198 1.6798 1.6360 12 1.8210 1.7923 1.7608 1.7261 1.6880 13 1.8425 1.8175 1.7901 1.7598 1.7266 14 1.8639 1.8419 1.8178 1.7913 1.7621 15 1.8950 1.8756 1.8544 1.8310 1.8053 16 1.9060 1.8889 1.8702 1.8495 1.8269 17 1.9268 1.9116 1.8950 1.8767 1.8566 18 1.9475 1.9341 1.9192 1.9030 1.8851 19 1.9681 1.9561 1.9429 1.9284 1.9124 20 1.9987 1.9879 1.9760 1.9630 1.9486 21 2.0192 2.0095 1.9989 1.9872 1.9744 22 2.0396 2.0309 2.0214 2.0110 1.9995 23 2.0500 2.0423 2.0337 2.0244 2.0141 24 2.0703 2.0633 2.0557 2.0472 2.0380 25 2.0906 2.0843 2.0774 2.0698 2.0615 6TH 7TH 8TH 9TH 10TH 10 1.5228 1.4612 1.3935 1.3191 1.2373 11 1.5877 1.5347 1.4765 1.4124 1.3420 12 1.6462 1.6001 1.5495 1.4939 1.4328 13 1.6901 1.6500 1.6058 1.5573 1.5040 14 1.7300 1.6948 1.6561 1.6135 1.5667 15 1.7770 1.7459 1.7118 1.6743 1.6330 16 1.8020 1.7746 1.7445 1.7114 1.6750 17 1.8344 1.8101 1.7834 1.7540 1.7217 18 1.8654 1.8438 1.8200 1.7939 1.7652 19 1.8949 1.8756 1.8544 1.8311 1.8054 20 1.9329 1.9155 1.8965 1.8755 1.8525 21 1.9603 1.9448 1.9278 1.9091 1.0885 22 1.9868 1.9729 1.9576 1.9409 1.9224 23 2.0028 1.9904 1.9767 1.9617 1.9452 24 2.0278 2.0166 2.0043 1.9907 1.9759 25 2.0523 2.0422 2.0311 2.0189 2.0055 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 17 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.2646 12 1.3656 1.2917 13 1.4454 1.3810 1.3102 14 1.5153 1.4587 1.3966 1.3282 15 1.5876 1.5378 1.4830 1.4227 1.3565 16 1.6350 1.5911 1.5428 1.4896 1.4313 17 1.6862 1.6471 1.6042 1.5571 1.5052 18 1.7336 1.6989 1.6607 1.6186 1.5727 19 1.7773 1.7463 1.7123 1.6749 1.6337 20 1.8272 1.7994 1.7688 1.7352 1.6983 21 1.8659 1.8410 1.8137 1.7837 1.7506 22 1.9021 1.8798 1.8553 1.8283 1.7987 23 1.9271 1.9071 1.8852 1.8611 1.8346 24 1.9595 1.9415 1.9218 1.9001 1.8762 25 1.9907 1.9745 1.9567 1.9371 1.9156 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.3671 17 1.4482 1.3856 18 1.5220 1.4663 1.4051 19 1.5885 1.5388 1.4842 1.4241 20 1.6576 1.6130 1.5639 1.5100 1.4507 21 1.7143 1.6744 1.6306 1.5823 1.5293 22 1.7661 1.7303 1.6910 1.6477 1.6002 23 1.8055 1.7735 1.7383 1.6996 1.6571 24 1.8499 1.8211 1.7894 1.7545 1.7162 25 1.8920 1.8659 1.8374 1.8059 1.7714 21ST 22ND 23RD 24TH 25TH 21 1.4711 22 1.5479 1.4904 23 1.6104 1.5590 1.5025 24 1.6741 1.6278 1.5769 1.5209 25 1.7334 1.6917 1.6458 1.5953 1.5399 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 17 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.3668 1.3284 1.2862 1.2398 1.1889 11 1.3891 1.3561 1.3198 1.2798 1.2360 12 1.4110 1.3823 1.3508 1.3161 1.2780 13 1.4225 1.3975 1.3701 1.3398 1.3066 14 1.4439 1.4219 1.3978 1.3713 1.3421 15 1.4650 1.4456 1.4244 1.4010 1.3753 16 1.4760 1.4589 1.4402 1.4195 1.3969 17 1.4868 1.4716 1.4550 1.4367 1.4166 18 1.5075 1.4941 1.4792 1.4630 1.4451 19 1.5181 1.5061 1.4929 1.4784 1.4624 20 1.5387 1.5279 1.5160 1.5030 1.4886 21 1.5492 1.5395 1.5289 1.5172 1.5044 22 1.5596 1.5509 1.5414 1.5310 1.5195 23 1.5700 1.5623 1.5537 1.5444 1.5341 24 1.5803 1.5733 1.5657 1.5572 1.5480 25 1.6006 1.5943 1.5874 1.5798 1.5715 6TH 7TH 8TH 9TH 10TH 10 1.1328 1.0712 1.0035 .9291 .8473 11 1.1877 1.1347 1.0765 1.0124 .9420 12 1.2362 1.1901 1.1395 1.0839 1.0228 13 1.2701 1.2300 1.1858 1.1373 1.0840 14 1.3100 1.2748 1.2361 1.1935 1.1467 15 1.3470 1.3159 1.2818 1.2443 1.2030 16 1.3720 1.3446 1.3145 1.2814 1.2450 17 1.3944 1.3701 1.3434 1.3140 1.2817 18 1.4254 1.4038 1.3800 1.3539 1.3252 19 1.4449 1.4256 1.4044 1.3811 1.3554 20 1.4729 1.4555 1.4365 1.4155 1.3925 21 1.4903 1.4748 1.4578 1.4391 1.4185 22 1.5068 1.4929 1.4776 1.4609 1.4424 23 1.5228 1.5104 1.4967 1.4817 1.4652 24 1.5378 1.5266 1.5143 1.5007 1.4859 25 1.5623 1.5522 1.5411 1.5289 1.5155 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 18 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 9.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 .8646 12 .9556 .8817 13 1.0254 .9610 .8902 14 1.0953 1.0387 .9766 .9082 15 1.1576 1.1078 1.0530 .9927 .9265 16 1.2050 1.1611 1.1128 1.0596 1.0013 17 1.2462 1.2071 1.1642 1.1171 1.0652 18 1.2936 1.2589 1.2207 1.1788 1.1327 19 1.3273 1.2963 1.2623 1.2249 1.1837 20 1.3672 1.3394 1.3088 1.2752 1.2383 21 1.3959 1.3710 1.3437 1.3137 1.2806 22 1.4221 1.3998 1.3753 1.3483 1.3187 23 1.4471 1.4271 1.4052 1.3811 1.3546 24 1.4695 1.4515 1.4318 1.4101 1.3862 25 1.5007 1.4845 1.4667 1.4471 1.4256 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 .9371 17 1.0082 .9456 18 1.0820 1.0263 .9651 19 1.1385 1.0888 1.0342 .9741 20 1.1976 1.1530 1.1039 1.0500 .9907 21 1.2443 1.2044 1.1606 1.1123 1.0593 22 1.2861 1.2503 1.2110 1.1677 1.1202 23 1.3255 1.2935 1.2583 1.2196 1.1771 24 1.3599 1.3311 1.2994 1.2645 1.2262 25 1.4020 1.3759 1.3474 1.3159 1.2814 21ST 22ND 23RD 24TH 25TH 21 1.0011 22 1.0679 1.0104 23 1.1304 1.0790 1.0225 24 1.1841 1.1378 1.0869 1.0309 25 1.2434 1.2017 1.1558 1.1053 1.0499 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 18 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.0172 4.9797 4.9383 4.8925 4.8419 11 5.0795 5.0474 5.0119 4.9727 4.9293 12 5.1514 5.1235 5.0928 5.0588 5.0213 13 5.2130 5.1888 5.1621 5.1326 5.1001 14 5.2742 5.2531 5.2297 5.2039 5.1754 15 5.3354 5.3168 5.2963 5.2737 5.2487 16 5.3963 5.3800 5.3620 5.3420 5.3200 17 5.4571 5.4426 5.4266 5.4090 5.3894 18 5.5078 5.4950 5.4809 5.4653 5.4481 19 5.5784 5.5670 5.5544 5.5405 5.5251 20 5.6390 5.6288 5.6175 5.6051 5.5914 21 5.6795 5.6704 5.6604 5.6494 5.6372 22 5.7398 5.7317 5.7228 5.7129 5.7019 23 5.8002 5.7929 5.7849 5.7760 5.7663 24 5.8505 5.8440 5.8369 5.8289 5.8202 25 5.9008 5.8950 5.8086 5.8815 5.8737 6TH 7TH 8TH 9TH 10TH 10 4.7861 4.7244 4.6562 4.5809 4.4977 11 4.8815 4.8206 4.7702 4.7057 4.6344 12 4.9798 4.9340 4.8834 4.8275 4.7658 13 5.0641 5.0244 4.9805 4.9320 4.0784 14 5.1438 5.1090 1.0706 5.0281 4.9812 15 5.2211 5.1905 5.1568 5.1196 5.0784 16 5.2957 5.2689 5.2392 5.2064 5.1702 17 5.3679 5.3440 5.3177 5.2886 5.2565 18 5.4290 5.4080 5.3847 5.3590 5.3306 19 5.5081 5.4893 5.4686 5.4457 5.4204 20 5.5762 5.5595 5.5409 5.5205 5.4979 21 5.6238 5.6089 5.5925 5.5744 5.5544 22 5.6899 5.6765 5.6618 5.6455 5.6275 23 5.7554 5.7435 5.7303 5.7157 5.6926 24 5.0105 5.7998 5.7880 5.7749 5.7605 25 5.8650 5.8555 5.8449 5.8333 5.8204 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 19 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.5557 12 4.6976 4.6222 13 4.8192 4.7538 4.6816 14 4.9293 4.8720 4.8088 4.7389 15 5.0330 4.9828 4.9273 4.8660 4.7983 16 5.1302 5.0860 5.0372 4.9833 4.9237 17 5.2210 5.1818 5.1385 5.0907 5.0378 18 5.2993 5.2647 5.2264 5.1841 5.1375 19 5.3924 5.3615 5.3274 5.2897 5.2461 20 5.4730 5.4454 5.4149 5.3813 5.3441 21 5.5322 5.5078 5.4008 5.4509 5.4180 22 5.6076 5.5857 5.5614 5.5346 5.5050 23 5.6818 5.6621 5.6404 5.6164 5.5898 24 5.7446 5.7270 5.7076 5.5861 5.6624 25 5.8062 5.7904 5.7731 5.7539 5.7327 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.8579 17 4.9795 4.9150 18 5.0859 5.0289 4.9660 19 5.2021 5.1512 5.0951 5.0331 20 5.3031 5.2577 5.2076 5.1523 5.0911 21 5.3816 5.3413 5.2969 5.2478 5.1936 22 5.4723 5.4362 5.3963 5.3522 5.3035 23 5.5605 5.5282 5.4924 5.4529 5.4093 24 5.6362 5.6072 5.5753 5.5399 5.5009 25 5.7093 5.6834 5.6548 5.6233 5.5884 21ST 22ND 23RD 24TH 25TH 21 5.1337 22 5.2497 5.1903 23 5.3611 5.3079 5.2490 24 5.4578 5.4102 5.3576 5.2995 25 5.5499 5.5073 5.4603 5.4083 5.3510 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 19 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.6572 3.6197 3.5783 3.5325 3.4819 11 3.7095 3.6774 3.6419 3.6027 3.5593 12 3.7714 3.7435 3.7128 3.6788 3.6413 13 3.8130 3.7888 3.7621 3.7326 3.7001 14 3.8742 3.8531 3.8297 3.8039 3.7754 15 3.9254 3.9068 3.8863 3.8637 3.8387 16 3.9763 3.9600 3.9420 3.9220 3.9000 17 4.0271 4.0126 3.9966 3.9790 3.9594 18 4.0678 4.0550 4.0409 4.0253 4.0081 19 4.1284 4.1170 4.1044 4.0905 4.0751 20 4.1790 4.1688 4.1575 4.1451 4.1314 21 4.2095 4.2004 4.1904 4.1794 4.1672 22 4.2598 4.2517 4.2428 4.2329 4.2219 23 4.3102 4.3029 4.2949 4.2860 4.2763 24 4.3505 4.3440 4.3369 4.3289 4.3202 25 4.3908 4.3850 4.3786 4.3715 4.3637 6TH 7TH 8TH 9TH 10TH 10 3.4261 3.3644 3.2962 3.2209 3.1377 11 3.5115 3.4586 3.4002 3.3357 3.2644 12 3.5998 3.5540 3.5034 3.4475 3.3858 13 3.6641 3.6244 3.5805 3.5320 3.4784 14 3.7438 3.7090 3.6706 3.6281 3.5812 15 3.8111 3.7805 3.7468 3.7096 3.6684 16 3.8757 3.8489 3.8192 3.7864 3.7502 17 3.9379 3.9140 3.8877 3.8586 3.8265 18 3.9890 3.9680 3.9447 3.9190 3.8906 19 4.0581 4.0393 4.0186 3.9957 3.9704 20 4.1162 4.0995 4.0809 4.0605 4.0379 21 4.1538 4.1389 4.1225 4.1044 4.0844 22 4.2099 4.1965 4.1818 4.1655 4.1475 23 4.2654 4.2535 4.2403 4.2257 4.2096 24 4.3105 4.2998 4.2880 4.2749 4.2605 25 4.3550 4.3455 4.3349 4.3233 4.3104 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 20 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.1857 12 3.3176 3.2422 13 3.4192 3.3538 3.2816 14 3.5293 3.4720 3.4088 3.3389 15 3.6230 3.5728 3.5173 3.4560 3.3883 16 3.7102 3.6660 3.6172 3.5633 3.5037 17 3.7910 3.7518 3.7085 3.6607 3.6078 18 3.8593 3.8247 3.7864 3.7441 3.6975 19 3.9424 3.9115 3.8774 3.8397 3.7981 20 4.0130 3.9854 3.9549 3.9213 3.8841 21 4.0622 4.0378 4.0108 3.9809 3.9480 22 4.1276 4.1057 4.0814 4.0546 4.0250 23 4.1918 4.1721 4.1504 4.1264 4.0998 24 4.2446 4.2270 4.2076 4.1861 4.1624 25 4.2962 4.2804 4.2631 4.2439 4.2227 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.4379 17 3.5495 3.4850 18 3.6459 3.5889 3.5260 19 3.7521 3.7012 3.6451 3.5831 20 3.8431 3.7977 3.7476 3.6923 3.6311 21 3.9116 3.8713 3.8269 3.7778 3.7236 22 3.9923 3.9562 3.9163 3.8722 3.8235 23 4.0705 4.0382 4.0024 3.9629 3.9193 24 4.1362 4.1072 4.0753 4.0399 4.0009 25 4.1993 4.1734 4.1448 4.1133 4.0784 21ST 22ND 23RD 24TH 25TH 21 3.6637 22 3.7697 3.7103 23 3.8711 3.8179 3.7590 24 3.9578 3.9102 3.8576 3.7995 25 4.0399 3.9973 3.9503 3.8983 3.8410 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 20 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.2972 3.2597 3.2183 3.1725 3.1219 11 3.3395 3.3074 3.2719 3.2327 3.1893 12 3.4014 3.3735 3.3428 3.3088 3.2713 13 3.4430 3.4188 3.3921 3.3626 3.3301 14 3.4942 3.4731 3.4497 3.4239 3.3954 15 3.5454 3.5268 3.5063 3.4837 3.4587 16 3.5863 3.5700 3.5520 3.5320 3.5100 17 3.6371 3.6226 3.6066 3.5890 3.5694 18 3.6778 3.6650 3.6509 3.6353 3.6181 19 3.7284 3.7170 3.7044 3.6905 3.6751 20 3.7690 3.7588 3.7475 3.7351 3.7214 21 3.8095 3.8004 3.7904 3.7794 3.7672 22 3.8498 3.8417 3.8328 3.8229 3.8119 23 3.8902 3.8829 3.8749 3.8660 3.8563 24 3.9305 3.9240 3.9169 3.9089 3.9002 25 3.9608 3.9550 3.9486 3.9415 3.9337 6TH 7TH 8TH 9TH 10TH 10 3.0661 3.0044 2.9362 2.8609 2.7777 11 3.1415 3.0886 3.0302 2.9657 2.8944 12 3.2298 3.1840 3.1334 3.0775 3.0158 13 3.2941 3.2544 3.2105 3.1620 3.1084 14 3.3638 3.3290 3.2906 3.2481 3.2012 15 3.4311 3.4005 3.3668 3.3296 3.2884 16 3.4857 3.4589 3.4292 3.3964 3.3602 17 3.5479 3.5240 3.4977 3.4686 3.4365 18 3.5990 3.5780 3.5547 3.5290 3.5006 19 3.6581 3.6393 3.6186 3.5957 3.5704 20 3.7062 3.6895 3.6709 3.6505 3.6279 21 3.7538 3.7389 3.7225 3.7044 3.6844 22 3.7999 3.7865 3.7718 3.7555 3.7375 23 3.8454 3.8335 3.8203 3.8057 3.7896 24 3.8905 3.8798 3.8680 3.8549 3.8405 25 3.9250 3.9155 3.9049 3.8933 3.8804 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 21 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.8157 12 2.9476 2.8722 13 3.0492 2.9838 2.9116 14 3.1493 3.0920 3.0288 2.9589 15 3.2430 3.1928 3.1373 3.0760 3.0083 16 3.3202 3.2760 3.2272 3.1733 3.1137 17 3.4010 3.3618 3.3185 3.2707 3.2178 18 3.4693 3.4347 3.3964 3.3541 3.3075 19 3.5424 3.5115 3.4774 3.4397 3.3981 20 3.6030 3.5754 3.5449 3.5113 3.4741 21 3.6622 3.6378 3.6108 3.5809 3.5480 22 3.7176 3.6957 3.6714 3.6446 3.6150 23 3.7718 3.7521 3.7304 3.7064 3.6798 24 3.8246 3.8070 3.7876 3.7661 3.7424 25 3.8662 3.8504 3.8331 3.8139 3.7927 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.0479 17 3.1595 3.0950 18 3.2559 3.1989 3.1360 19 3.3521 3.3012 3.2451 3.1831 20 3.4331 3.3877 3.3376 3.2823 3.2211 21 3.5116 3.4713 3.4269 3.3778 3.3236 22 3.5823 3.5462 3.5063 3.4622 3.4135 23 3.6505 3.6182 3.5824 3.5429 3.4993 24 3.7162 3.6872 3.6553 3.6199 3.5809 25 3.7693 3.7434 3.7148 3.6833 3.6484 21ST 22ND 23RD 24TH 25TH 21 3.2637 22 3.3597 3.3003 23 3.4511 3.3979 3.3390 24 3.5378 3.4902 3.4376 3.3795 25 3.6099 3.5673 3.5203 3.4683 3.4110 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 21 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.1772 3.1397 3.0983 3.0525 3.0019 11 3.2195 3.1874 3.1519 3.1127 3.0693 12 3.2814 3.2535 3.2228 3.1888 3.1513 13 3.3130 3.2888 3.2621 3.2326 3.2001 14 3.3742 3.3531 3.3297 3.3039 3.2754 15 3.4154 3.3968 3.3763 3.3537 3.3287 16 3.4563 3.4400 3.4220 3.4020 3.3800 17 3.5071 3.4926 3.4766 3.4590 3.4394 18 3.5378 3.5250 3.5109 3.4953 3.4781 19 3.5884 3.5770 3.5644 3.5505 3.5351 20 3.6390 3.6288 3.6175 3.6051 3.5914 21 3.6695 3.6604 3.6504 3.6394 3.6272 22 3.7098 3.7017 3.6928 3.6829 3.6719 23 3.7502 3.7429 3.7349 3.7260 3.7163 24 3.7905 3.7840 3.7769 3.7689 3.7602 25 3.8208 3.8150 3.8086 3.8015 3.7937 6TH 7TH 8TH 9TH 10TH 10 2.9461 2.8844 2.8162 2.7409 2.6577 11 3.0215 2.9686 2.9102 2.8457 2.7744 12 3.1098 3.0640 3.0134 2.9575 2.8958 13 3.1641 3.1244 3.0805 3.0320 2.9784 14 3.2438 3.2090 3.1706 3.1281 3.0812 15 3.3011 3.2705 3.2368 3.1996 3.1584 16 3.3557 3.3289 3.2992 3.2664 3.2302 17 3.4179 3.3940 3.3677 3.3386 3.3065 18 3.4590 3.4380 3.4147 3.3890 3.3606 19 3.5181 3.4993 3.4786 3.4557 3.4304 20 3.5762 3.5595 3.5409 3.5205 3.4979 21 3.6138 3.5989 3.5825 3.5644 3.5444 22 3.6599 3.6465 3.6318 3.6155 3.5975 23 3.7054 3.6935 3.6803 3.6657 3.6496 24 3.7505 3.7398 3.7280 3.7149 3.7005 25 3.7850 3.7755 3.7649 3.7533 3.7404 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 22 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.6957 12 2.8276 2.7522 13 2.9192 2.8538 2.7816 14 3.0293 2.9720 2.9088 2.8389 15 3.1130 3.0628 3.0073 2.9460 2.8783 16 3.1902 3.1460 3.0972 3.0433 2.9837 17 3.2710 3.2318 3.1885 3.1407 3.0878 18 3.3293 3.2947 3.2564 3.2141 3.1675 19 3.4024 3.3715 3.3374 3.2997 3.2581 20 3.4730 3.4454 3.4149 3.3813 3.3441 21 3.5222 3.4978 3.4708 3.4409 3.4080 22 3.5776 3.5557 3.5314 3.5046 3.4750 23 3.6318 3.6121 3.5904 3.5664 3.5398 24 3.6846 3.6670 3.6476 3.6261 3.6024 25 3.7262 3.7104 3.6931 3.6739 3.6527 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.9179 17 3.0295 2.9650 18 3.1159 3.0589 2.9960 19 3.2121 3.1612 3.1051 3.0431 20 3.3031 3.2577 3.2076 3.1523 3.0911 21 3.3716 3.3313 3.2869 3.2378 3.1836 22 3.4423 3.4062 3.3663 3.3222 3.2735 23 3.5105 3.4782 3.4424 3.4029 3.3593 24 3.5762 3.5472 3.5153 3.4799 3.4409 25 3.6293 3.6034 3.5748 3.5433 3.5084 21ST 22ND 23RD 24TH 25TH 21 3.1237 22 3.2197 3.1603 23 3.3111 3.2579 3.1990 24 3.3978 3.3502 3.2976 3.2395 25 3.4699 3.4273 3.3803 3.3283 3.2710 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 22 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.9272 2.8897 2.8483 2.8025 2.7519 11 2.9695 2.9374 2.9019 2.8627 2.8193 12 3.0214 2.9935 2.9628 2.9288 2.8913 13 3.0630 3.0388 3.0121 2.9826 2.9501 14 3.1142 3.0931 3.0697 3.0439 3.0154 15 3.1454 3.1268 3.1063 3.0837 3.0587 16 3.1863 3.1700 3.1520 3.1320 3.1100 17 3.2371 3.2226 3.2066 3.1890 3.1694 18 3.2678 3.2550 3.2409 3.2253 3.2081 19 3.3184 3.3070 3.2944 3.2805 3.2651 20 3.3590 3.3488 3.3375 3.3251 3.3114 21 3.3895 3.3804 3.3704 3.3594 3.3472 22 3.4298 3.4217 3.4128 3.4029 3.3919 23 3.4602 3.4529 3.4449 3.4360 3.4263 24 3.4905 3.4840 3.4769 3.4689 3.4602 25 3.5208 3.5150 3.5086 3.5015 3.4937 6TH 7TH 8TH 9TH 10TH 10 2.6961 2.6344 2.5662 2.4909 2.4077 11 2.7715 2.7186 2.6602 2.5957 2.5244 12 2.8498 2.8040 2.7534 2.6975 2.6358 13 2.9141 2.8744 2.8305 2.7820 2.7284 14 2.9838 2.9490 2.9106 2.8681 2.8212 15 3.0311 3.0005 2.9668 2.9296 2.8884 16 3.0857 3.0589 3.0292 2.9964 2.9602 17 3.1479 3.1240 3.0977 3.0686 3.0365 18 3.1890 3.1680 3.1447 3.1190 3.0906 19 3.2481 3.2293 3.2086 3.1857 3.1604 20 3.2962 3.2795 3.2609 3.2405 3.2179 21 3.3338 3.3189 3.3025 3.2844 3.2644 22 3.3799 3.3665 3.3516 3.3355 3.3175 23 3.4154 3.4035 3.3903 3.3757 3.3596 24 3.4505 3.4398 3.4280 3.4149 3.4005 25 3.4850 3.4755 3.4649 3.4533 3.4404 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 23 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.4457 12 2.5676 2.4922 13 2.6692 2.6038 2.5316 14 2.7693 2.7120 2.6488 2.5789 15 2.8430 2.7928 2.7373 2.6760 2.6083 16 2.9202 2.8760 2.8272 2.7733 2.7137 17 3.0010 2.9618 2.9185 2.8707 2.8178 18 3.0593 3.0247 2.9864 2.9441 2.8975 19 3.1324 3.1015 3.0674 3.0297 2.9881 20 3.1930 3.1654 3.1349 3.1013 3.0641 21 3.2422 3.2178 3.1908 3.1609 3.1280 22 3.2976 3.2757 3.2514 3.2246 3.1950 23 3.3418 3.3221 3.3004 3.2764 3.2498 24 3.3846 3.3670 3.3476 3.3261 3.3024 25 3.4262 3.4104 3.3931 3.3739 3.3527 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.6479 17 2.7595 2.6950 18 2.8459 2.7889 2.7260 19 2.9421 2.8912 2.8351 2.7731 20 3.0231 2.9777 2.9276 2.8723 2.8111 21 3.0916 3.0513 3.0069 2.9578 2.9036 22 3.1623 3.1262 3.0863 3.0422 2.9935 23 3.2205 3.1882 3.1524 3.1129 3.0693 24 3.2762 3.2472 3.2153 3.1799 3.1409 25 3.3293 3.3034 3.2748 3.2433 3.2084 21ST 22ND 23RD 24TH 25TH 21 2.8437 22 2.9397 2.8803 23 3.0211 2.9679 2.9090 24 3.0978 3.0502 2.9976 2.9395 25 3.1699 3.1273 3.0803 3.0283 2.9710 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 23 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.6772 2.6397 2.5983 2.5525 2.5019 11 2.7195 2.6874 2.6519 2.6127 2.5693 12 2.7714 2.7435 2.7128 2.6788 2.6413 13 2.8030 2.7788 2.7521 2.7226 2.6901 14 2.8442 2.8231 2.7997 2.7739 2.7454 15 2.8854 2.8668 2.8463 2.8237 2.7987 16 2.9163 2.9000 2.8820 2.8620 2.8400 17 2.9571 2.9426 2.9266 2.9090 2.8894 18 2.9878 2.9750 2.9609 2.9453 2.9281 19 3.0284 3.0170 3.0044 2.9905 2.9751 20 3.0690 3.0588 3.0475 3.0351 3.0214 21 3.0995 3.0904 3.0804 3.0694 3.0572 22 3.1298 3.1217 3.1128 3.1029 3.0919 23 3.1702 3.1629 3.1549 3.1460 3.1363 24 3.2005 3.1940 3.1869 3.1789 3.1702 25 3.2208 3.2150 3.2086 3.2015 3.1937 6TH 7TH 8TH 9TH 10TH 10 2.4461 2.3844 2.3162 2.2409 2.1577 11 2.5215 2.4686 2.4102 2.3457 2.2744 12 2.5998 2.5540 2.5034 2.4475 2.3858 13 2.6541 2.6144 2.5705 2.5220 2.4684 14 2.7138 2.6790 2.6406 2.5981 2.5512 15 2.7711 2.7405 2.7068 2.6696 2.6284 16 2.8157 2.7889 2.7592 2.7264 2.6902 17 2.8679 2.8440 2.8177 2.7886 2.7565 18 2.9090 2.8880 2.8647 2.8390 2.8106 19 2.9581 2.9393 2.9186 2.8957 2.8704 20 3.0062 2.9895 2.9709 2.9505 2.9279 21 3.0438 3.0289 3.0125 2.9944 2.9744 22 3.0799 3.0665 3.0518 3.0355 3.0175 23 3.1254 3.1135 3.1003 3.0857 3.0696 24 3.1605 3.1498 3.1380 3.1249 3.1105 25 3.1850 3.1755 3.1649 3.1533 3.1404 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 24 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.1957 12 2.3176 2.2422 13 2.4092 2.3438 2.2716 14 2.4993 2.4420 2.3788 2.3089 15 2.5830 2.5328 2.4773 2.4160 2.3483 16 2.6502 2.6060 2.5572 2.5033 2.4437 17 2.7210 2.6818 2.6385 2.5907 2.5378 18 2.7793 2.7447 2.7064 2.6641 2.6175 19 2.8424 2.8115 2.7774 2.7397 2.6981 20 2.9030 2.8754 2.8449 2.8113 2.7741 21 2.9522 2.9278 2.9008 2.8709 2.8380 22 2.9976 2.9757 2.9514 2.9246 2.8950 23 3.0518 3.0321 3.0104 2.9864 2.9598 24 3.0946 3.0770 3.0576 3.0361 3.0124 25 3.1262 3.1104 3.0931 3.0739 3.0527 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.3779 17 2.4795 2.4150 18 2.5659 2.5089 2.4460 19 2.6521 2.6012 2.5451 2.4831 20 2.7331 2.6877 2.6376 2.5823 2.5211 21 2.8016 2.7613 2.7169 2.6678 2.6136 22 2.8623 2.8262 2.7863 2.7422 2.6935 23 2.9305 2.8982 2.8624 2.8229 2.7793 24 2.9862 2.9572 2.9253 2.8899 2.8509 25 3.0293 3.0034 2.9748 2.9433 2.9084 21ST 22ND 23RD 24TH 25TH 21 2.5537 22 2.6397 2.5803 23 2.7311 2.6779 2.6190 24 2.8078 2.7602 2.7076 2.6495 25 2.8699 2.8273 2.7803 2.7283 2.671 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 24 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH la 2.2972 2.2597 2.2183 2.1725 2.1219 11 2.3295 2.2974 2.2619 2.2227 2.1793 12 2.3714 2.3435 2.3128 2.2788 2.2413 13 2.4030 2.3788 2.3521 2.3226 2.2901 14 2.4442 2.4231 2.3997 2.3739 2.3454 15 2.4754 2.4568 2.4363 2.4137 2.3887 16 2.4963 2.4800 2.4620 2.4420 2.4200 17 2.5371 2.5226 2.5066 2.4890 2.4694 18 2.5678 2.5550 2.5409 2.5253 2.5081 19 2.5984 2.5870 2.5744 2.5605 2.5451 20 2.6290 2.6188 2.6075 2.5951 2.5814 21 2.6495 2.6404 2.6304 2.6194 2.6072 22 2.6798 2.6717 2.6628 2.6529 2.6419 23 2.7102 2.7029 2.6949 2.6860 2.6763 24 2.7305 2.7240 2.7169 2.7089 2.7002 25 2.7608 2.7550 2.7486 2.7415 2.7337 6TH 7TH 8TH 9TH 10TH la 2.0661 2.0044 1.9362 1.8609 1.7777 11 2.1315 2.0786 2.0202 1.9557 1.8844 12 2.1998 2.1540 2.1034 2.0475 1.9858 13 2.2541 2.2144 2.1705 2.1220 2.0684 14 2.3138 2.2790 2.2406 2.1981 2.1512 15 2.3611 2.3305 2.2968 2.2596 2.2184 16 2.3957 2.3689 2.3392 2.3064 2.2702 17 2.4479 2.4240 2.3977 2.3686 2.3365 18 2.4890 2.4680 2.4447 2.4190 2.3906 19 2.5281 2.5093 2.4886 2.4657 2.4404 20 2.5662 2.5495 2.5309 2.5105 2.4879 21 2.5938 2.5789 2.5625 2.5444 2.5244 22 2.6299 2.6165 2.6018 2.5855 2.5675 23 2.6654 2.6535 2.6403 2.6257 2.6096 24 2.6905 2.6798 2.6680 2.6549 2.6405 25 2.7250 2.7155 2.7049 2.6933 2.6804 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 25 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.8057 12 1.9176 1.8422 13 2.0092 1.9438 1.8716 14 2.0993 2.0420 1.9788 1.9089 15 2.1730 2.1228 2.0673 2.0060 1.9383 16 2.2302 2.1860 2.1372 2.0833 2.0237 17 2.3010 2.2618 2.2185 2.1707 2.1178 18 2.3593 2.3247 2.2864 2.2441 2.1975 19 2.4124 2.3815 2.3474 2.3097 2.2681 20 2.4630 2.4354 2.4049 2.3713 2.3341 21 2.5022 2.4778 2.4508 2.4209 2.3880 22 2.5476 2.5257 2.5014 2.4746 2.4450 23 2.5918 2.5721 2.5504 2.5264 2.4998 24 2.6246 2.6070 2.5876 2.5661 2.5424 25 2.6662 2.6504 2.6331 2.6139 2.5927 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.9579 17 2.0595 1.9950 18 2.1459 2.0889 2.0260 19 2.2221 2.1712 2.1151 2.0531 20 2.2931 2.2477 2.1976 2.1423 2.0811 21 2.3516 2.3113 2.2669 2.2178 2.1636 22 2.4123 2.3762 2.3363 2.2922 2.2435 23 2.4705 2.4382 2.4024 2.3629 2.3193 24 2.5162 2.4872 2.4553 2.4199 2.3809 25 2.5693 2.5434 2.5148 2.4833 2.4484 21ST 22ND 23RD 24TH 25TH 21 2.1037 22 2.1897 2.1303 23 2.2711 2.2179 2.1590 24 2.3378 2.2902 2.2376 2.1795 25 2.4099 2.3673 2.3203 2.2683 2.2110 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 25 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.0372 1.9997 1.9583 1.9125 1.8619 11 2.0695 2.0374 2.0019 1.9627 1.9193 12 2.1114 2.0835 2.0528 2.0188 1.9813 13 2.1330 2.1088 2.0821 2.0526 2.0201 14 2.1642 2.1431 2.1197 2.0939 2.0654 15 2.1954 2.1768 2.1563 2.1337 2.1087 16 2.2163 2.2000 2.1820 2.1620 2.1400 17 2.2471 2.2326 2.2166 2.1990 2.1794 18 2.2678 2.2550 2.2409 2.2253 2.2081 19 2.2984 2.2870 2.2744 2.2605 2.2451 20 2.3290 2.3188 2.3075 2.2951 2.2814 21 2.3495 2.3404 2.3304 2.3194 2.3072 22 2.3798 2.3717 2.3628 2.3529 2.3419 23 2.4002 2.3929 2.3849 2.3760 2.3663 24 2.4205 2.4140 2.4069 2.3989 2.3902 25 2.4408 2.4350 2.4286 2.4215 2.4137 6TH 7TH 8TH 9TH 10TH 10 1.8061 1.7444 1.6762 1.6009 1.5177 11 1.8715 1.8186 1.7602 1.6957 1.6244 12 1.9398 1.8940 1.8434 1.7875 1.7258 13 1.9841 1.9444 1.9005 1.8520 1.7984 14 2.0338 1.9990 1.9606 1.9181 1.8712 15 2.0811 2.0505 2.0168 1.9796 1.9384 16 2.1157 2.0869 2.0592 2.0264 1.9902 17 2.1579 2.1340 2.1077 2.0786 2.0465 18 2.1890 2.1680 2.1447 2.1190 2.0906 19 2.2281 2.2093 2.1886 2.1657 2.1404 20 2.2662 2.2495 2.2309 2.2105 2.1879 21 2.2938 2.2789 2.2625 2.2444 2.2244 22 2.3299 2.3165 2.3018 2.2855 2.2675 23 2.3554 2.3435 2.3303 2.3157 2.2996 24 2.3805 2.3698 2.3580 2.3449 2.3305 25 2.4050 2.3955 2.3849 2.3733 2.3604 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 26 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.5457 12 1.6576 1.5822 13 1.7392 1.6738 1.6016 14 1.8193 1.7620 1.6988 1.6289 15 1.8930 1.8428 1.7873 1.7260 1.6583 16 1.9502 1.9060 1.8572 1.8033 1.7437 17 2.0110 1.9718 1.9285 1.8807 1.8278 18 2.0593 2.0247 1.9864 1.9441 1.8975 19 2.1124 2.0815 2.0474 2.0097 1.9681 20 2.1630 2.1354 2.1049 2.0713 2.0341 21 2.2022 2.1778 2.1508 2.1209 2.0880 22 2.2476 2.2257 2.2014 2.1746 2.1450 23 2.2818 2.2621 2.2404 2.2164 2.1898 24 2.3146 2.2970 2.2776 2.2561 2.2324 25 2.3462 2.3304 2.3131 2.2939 2.2727 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.6779 17 1.7695 1.7050 18 1.8459 1.7889 1.7260 19 1.9221 1.8712 1.8151 1.7531 20 1.9931 1.9477 1.8976 1.8423 1.7811 21 2.0516 2.0113 1.9669 1.9178 1.8636 22 2.1123 2.0762 2.0363 1.9922 1.9435 23 2.1605 2.1282 2.0924 2.0529 2.0093 24 2.2062 2.1772 2.1453 2.1099 2.0709 25 2.2493 2.2234 2.1948 2.1633 2.1284 21ST 22ND 23RD 24TH 25TH 21 1.8037 22 1.8897 1.8303 23 1.9611 1.9079 1.8490 24 2.0278 1.9802 1.9276 1.8695 25 2.0899 2.0473 2.0003 1.9483 1.8910 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 26 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.6472 1.6097 1.5683 1.5225 1.4719 11 1.6695 1.6374 1.6019 1.5627 1.5193 12 1.7014 1.6735 1.6428 1.6088 1.5713 13 1.7130 1.6888 1.6621 1.6326 1.6001 14 1.7442 1.7231 1.6997 1.6739 1.6454 15 1.7654 1.7468 1.7263 1.7037 1.6787 16 1.7863 1.7700 1.7520 1.7320 1.7100 17 1.8071 1.7926 1.7766 1.7590 1.7394 18 1.8278 1.8150 1.8009 1.7853 1.7681 19 1.8484 1.8370 1.8244 1.8105 1.7951 20 1.8690 1.8588 1.8475 1.8351 1.8214 21 1.8795 1.8704 1.8604 1.8494 1.8372 22 1.8998 1.8917 1.8828 1.8729 1.8619 23 1.9202 1.9129 1.9049 1.8960 1.8863 24 1.9305 1.9240 1.9169 1.9089 1.9002 25 1.9508 1.9450 1.9386 1.9315 1.9237 6TH 7TH 8TH 9TH 10TH 10 1.4161 1.3544 1.2862 1.2109 1.1277 11 1.4715 1.4186 1.3602 1.2957 1.2244 12 1.5298 1.4840 1.4334 1.3775 1.3158 13 1.5641 1.5244 1.4805 1.4320 1.3784 14 1.6138 1.5790 1.5406 1.4981 1.4512 15 1.6511 1.6205 1.5868 1.5496 1.5084 16 1.6857 1.6589 1.6292 1.5964 1.5602 17 1.7179 1.6940 1.6677 1.6386 1.6065 18 1.7490 1.7280 1.7047 1.6790 1.6506 19 1.7781 1.7593 1.7386 1.7157 1.6904 20 1.8062 1.7895 1.7709 1.7505 1.7279 21 1.8238 1.8089 1.7925 1.7744 1.7544 22 1.8499 1.8365 1.8218 1.8055 1.7875 23 1.8754 1.8635 1.8503 1.8357 1.8196 24 1.8905 1.8798 1.8680 1.8549 1.8405 25 1.9150 1.9055 1.8949 1.8833 1.8704 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 27 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.1457 12 1.2476 1.1722 13 1.3192 1.2538 1.1816 14 1.3993 1.3420 1.2788 1.2089 15 1.4630 1.4128 1.3573 1.2960 1.2283 16 1.5202 1.4760 1.4272 1.3733 1.3137 17 1.5710 1.5318 1.4885 1.4407 1.3878 18 1.6193 1.5847 1.5464 1.5041 1.4575 19 1.6624 1.6315 1.5974 1.5597 1.5181 20 1.7030 1.6754 1.6449 1.6113 1.5741 21 1.7322 1.7078 1.6808 1.6509 1.6180 22 1.7676 1.7457 1.7214 1.6946 1.6650 23 1.8018 1.7821 1.7604 1.7364 1.7098 24 1.8246 1.8070 1.7876 1.7661 1.7424 25 1.8562 1.8404 1.8231 1.8039 1.7827 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.2479 17 1.3295 1.2650 18 1.4059 1.3489 1.2860 19 1.4721 1.4212 1.3651 1.3031 20 1.5331 1.4877 1.4376 1.3823 1.3211 21 1.5816 1.5413 1.4969 1.4478 1.3936 22 1.6323 1.5962 1.5563 1.5122 1.4635 23 1.6805 1.6482 1.6124 1.5729 1.5293 24 1.7162 1.6872 1.6553 1.6199 1.5809 25 1.7593 1.7334 1.7048 1.6733 1.6384 21ST 22ND 23RD 24TH 25TH 21 1.3337 22 1.4097 1.3503 23 1.4811 1.4279 1.3690 24 1.5378 1.4902 1.4376 1.3795 25 1.5999 1.5573 1.5103 1.4583 1.4010 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 27 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.2976 5.2610 5.2203 5.1752 5.1251 11 5.3699 5.3386 5.3039 5.2653 5.2224 12 5.4418 5.4148 5.3848 5.3516 5.3146 13 5.5133 5.4900 5.4640 5.4352 5.4033 14 5.5746 5.5543 5.5317 5.5066 5.4787 15 5.6457 5.6279 5.6081 5.5862 5.5618 16 5.7166 5.7010 5.6836 5.6643 5.6429 17 5.7774 5.7636 5.7483 5.7313 5.7124 18 5.8381 5.8259 5.8124 5.7974 5.7807 19 5.9087 5.8979 5.8859 5.8726 5.8578 20 5.9692 5.9597 5.9491 5.9373 5.9242 21 6.0197 6.0112 6.0018 5.9913 5.9797 22 6.0801 6.0725 6.0641 6.0548 6.0445 23 6.1405 6.1338 6.1263 6.1180 6.1089 24 6.2008 6.1947 6.1881 6.1807 6.1724 25 6.2610 6.2556 6.2496 6.2430 6.2356 6TH 7TH 8TH 9TH 10TH 10 5.0694 5.0077 4.9391 4.8629 4.7784 11 5.1749 5.1221 5.0634 4.9984 4.9261 12 5.2736 5.2281 5.1776 5.1215 5.0592 13 5.3678 5.3283 5.2846 5.2360 5.1821 14 5.4478 5.4134 5.3753 5.3330 5.2860 15 5.5347 5.5047 5.4713 5.4343 5.3932 16 5.6191 5.5927 5.5634 5.5308 5.4947 17 5.6914 5.6681 5.6423 5.6136 5.5818 18 5.7622 5.7417 5.7188 5.6935 5.6654 19 5.8414 5.8232 5.8030 5.7806 5.7557 20 5.9097 5.8935 5.8756 5.8558 5.8337 21 5.9669 5.9525 5.9367 5.9190 5.8995 22 6.0330 6.0203 6.0061 5.9904 5.9730 23 6.0987 6.0873 6.0748 6.0608 6.0454 24 6.1633 6.1531 6.1419 6.1294 6.1155 25 6.2274 6.2183 6.2082 6.1970 6.1845 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 28 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.8459 12 4.9900 4.9133 13 5.1222 5.0558 4.9820 14 5.2339 5.1760 5.1117 5.0403 15 5.3476 5.2969 5.2406 5.1782 5.1088 16 5.4546 5.4101 5.3607 5.3058 5.2448 17 5.5464 5.5071 5.4635 5.4151 5.3614 18 5.6342 5.5995 5.5610 5.5183 5.4709 19 5.7280 5.6973 5.6632 5.6254 5.5833 20 5.8092 5.7820 5.7518 5.7183 5.6811 21 5.8777 5.8536 5.8268 5.7971 5.7641 22 5.9536 5.9321 5.9082 5.8818 5.8523 23 6.0282 6.0091 5.9879 5.9644 5.9383 24 6.1001 6.0830 6.0640 6.0429 6.0195 25 6.1707 6.1553 6.1383 6.1193 6.0983 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.1772 17 5.3018 5.2355 18 5.4183 5.3598 5.2949 19 5.5367 5.4849 5.4274 5.3636 20 5.6397 5.5939 5.5429 5.4864 5.4236 21 5.7274 5.6867 5.6415 5.5914 5.5357 22 5.8197 5.7834 5.7432 5.6985 5.6489 23 5.9093 5.8771 5.8414 5.8017 5.7576 24 5.9935 5.9646 5.9326 5.8970 5.8575 25 6.0750 6.0491 6.0204 5.9884 5.9530 21ST 22ND 23RD 24TH 25TH 21 5.4739 22 5.5938 5.5326 23 5.7087 5.6545 5.5942 24 5.8137 5.7650 5.7110 5.6510 25 5.9137 5.8700 5.8215 5.7677 5.7079 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 28 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.9376 3.9010 3.8603 3.8152 3.7651 11 3.9999 3.9686 3.9339 3.8953 3.8524 12 4.0618 4.0348 4.0048 3.9716 3.9346 13 4.1133 4.0900 4.0640 4.0352 4.0033 14 4.1746 4.1543 4.1317 4.1066 4.0787 15 4.2357 4.2179 4.1981 4.1762 4.1518 16 4.2966 4.2810 4.2636 4.2443 4.2229 17 4.3474 4.3336 4.3183 4.3013 4.2824 18 4.3981 4.3859 4.3724 4.3574 4.3407 19 4.4587 4.4479 4.4359 4.4226 4.4078 20 4.5092 4.4997 4.4891 4.4773 4.4642 21 4.5497 4.5412 4.5318 4.5213 4.5097 22 4.6001 4.5925 4.5841 4.5748 4.5645 23 4.6505 4.6438 4.6363 4.6280 4.6189 24 4.7008 4.6947 4.6881 4.6807 4.6724 25 4.7510 4.7456 4.7396 4.7330 4.7256 6TH 7TH 8TH 9TH 10TH 10 3.7094 3.6477 3.5791 3.5029 3.4184 11 3.8049 3.7521 3.6934 3.6284 3.5561 12 3.8936 3.8481 3.7976 3.7415 3.6792 13 3.9678 3.9283 3.8846 3.8360 3.7821 14 4.0478 4.0134 3.9753 3.9330 3.8860 15 4.1247 4.0947 4.0613 4.0243 3.9832 16 4.1991 4.1727 4.1434 4.1108 4.0747 17 4.2614 4.2381 4.2123 4.1836 4.1518 18 4.3222 4.3017 4.2788 4.2535 4.2254 19 4.3914 4.3732 4.3530 4.3306 4.3057 20 4.4497 4.4335 4.4156 4.3958 4.3737 21 4.4969 4.4825 4.4667 4.4490 4.4295 22 4.5530 4.5403 4.5261 4.5104 4.4930 23 4.6087 4.5973 4.5848 4.5708 4.5554 24 4.6633 4.6531 4.6419 4.6294 4.6155 25 4.7174 4.7083 4.6982 4.6870 4.6745 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 29 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.4759 12 3.6100 3.5333 13 3.7222 3.6558 3.5820 14 3.8339 3.7760 3.7117 3.6403 15 3.9376 3.8869 3.8306 3.7682 3.6988 16 4.0346 3.9901 3.9407 3.8858 3.8248 17 4.1164 4.0771 4.0335 3.9851 3.9314 18 4.1942 4.1595 4.1210 4.0783 4.0309 19 4.2780 4.2473 4.2132 4.1754 4.1333 20 4.3492 4.3220 4.2918 4.2583 4.2211 21 4.4077 4.3836 4.3568 4.3271 4.2941 22 4.4736 4.4521 4.4282 4.4018 4.3723 23 4.5382 4.5191 4.4979 4.4744 4.4483 24 4.6001 4.5830 4.5640 4.5429 4.5195 25 4.6607 4.6453 4.6283 4.6093 4.5883 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.7572 17 3.8718 3.8055 18 3.9783 3.9198 3.8549 19 4.0867 4.0349 3.9774 3.9136 20 4.1797 4.1339 4.0829 4.0264 3.9636 21 4.2574 4.2167 4.1715 4.1214 4.0657 22 4.3397 4.3034 4.2632 4.2185 4.1689 23 4.4193 4.3871 4.3514 4.3117 4.2676 24 4.4935 4.4646 4.4326 4.3970 4.3575 25 4.5650 4.5391 4.5104 4.4784 4.4430 21ST 22ND 23RD 24TH 25TH 21 4.0039 22 4.1138 4.0526 23 4.2187 4.1645 4.1042 24 4.3137 4.2650 4.2110 4.1510 25 4.4037 4.3600 4.3115 4.2577 4.1979 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 29 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.5776 3.5410 3.5003 3.4552 3.4051 11 3.6299 3.5986 3.5639 3.5253 3.4824 12 3.6918 3.6648 3.6348 3.6016 3.5646 13 3.7433 3.7200 3.6940 3.6652 3.6333 14 3.7946 3.7743 3.7517 3.7266 3.6987 15 3.8557 3.8379 3.8181 3.7962 3.7718 16 3.9066 3.8910 3.8736 3.8543 3.8329 17 3.9574 3.9436 3.9283 3.9113 3.8924 18 4.0081 3.9959 3.9824 3.9674 3.9507 19 4.0587 4.0479 4.0359 4.0226 4.0078 20 4.0992 4.0897 4.0791 4.0673 4.0542 21 4.1497 4.1412 4.1318 4.1213 4.1097 22 4.1901 4.1825 4.1741 4.1648 4.1545 23 4.2305 4.2238 4.2163 4.2080 4.1989 24 4.2808 4.2747 4.2681 4.2607 4.2524 25 4.3210 4.3156 4.3096 4.3030 4.2956 6TH 7TH 8TH 9TH 10TH 10 3.3494 3.2877 3.2191 3.1429 3.0584 11 3.4349 3.3821 3.3234 3.2584 3.1861 12 3.5236 3.4781 3.4276 3.3715 3.3092 13 3.5978 3.5583 3.5146 3.4660 3.4121 14 3.6678 3.6334 3.5953 3.5530 3.5060 15 3.7447 3.7147 3.6813 3.6443 3.6032 16 3.8091 3.7827 3.7534 3.7208 3.6847 17 3.8714 3.8481 3.8223 3.7936 3.7618 18 3.9322 3.9117 3.8888 3.8635 3.8354 19 3.9914 3.9732 3.9530 3.9306 3.9057 20 4.0397 4.0235 4.0056 3.9858 3.9637 21 4.0969 4.0825 4.0667 4.0490 4.0295 22 4.1430 4.1303 4.1161 4.1004 4.0830 23 4.1887 4.1773 4.1648 4.1508 4.1354 24 4.2433 4.2331 4.2219 4.2094 4.1955 25 4.2874 4.2783 4.2682 4.2570 4.2445 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 30 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.1059 12 3.2400 3.1633 13 3.3522 3.2858 3.2120 14 3.4539 3.3960 3.3317 3.2603 15 3.5576 3.5069 3.4506 3.3882 3.3188 16 3.6446 3.6001 3.5507 3.4958 3.4348 17 3.7264 3.6871 3.6435 3.5951 3.5414 18 3.8042 3.7695 3.7310 3.6883 3.6409 19 3.8780 3.8473 3.8132 3.7754 3.7333 20 3.9392 3.9120 3.8818 3.8483 3.8111 21 4.0077 3.9836 3.9568 3.9271 3.8941 22 4.0636 4.0421 4.0182 3.9918 3.9623 23 4.1182 4.0991 4.0779 4.0544 4.0283 24 4.1801 4.1630 4.1440 4.1229 4.0995 25 4.2307 4.2153 4.1983 4.1793 4.1583 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.3672 17 3.4818 3.4155 18 3.5883 3.5298 3.4649 19 3.6867 3.6349 3.5774 3.5136 20 3.7697 3.7239 3.6729 3.6164 3.5536 21 3.8574 3.8167 3.7715 3.7214 3.6657 22 3.9297 3.8934 3.8532 3.8085 3.7589 23 3.9993 3.9671 3.9314 3.8917 3.8476 24 4.0735 4.0446 4.0126 3.9770 3.9375 25 4.1350 4.1091 4.0804 4.0484 4.0130 21ST 22ND 23RD 24TH 25TH 21 3.6039 22 3.7038 3.6426 23 3.7987 3.7445 3.6842 24 3.8937 3.8450 3.7910 3.7310 25 3.9737 3.9300 3.8815 3.8277 3.7679 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 30 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.4576 3.4210 3.3803 3.3352 3.2851 11 3.5099 3.4786 3.4439 3.4053 3.3624 12 3.5718 3.5448 3.5148 3.4816 3.4446 13 3.6133 3.5900 3.5640 3.5352 3.5033 14 3.6746 3.6543 3.6317 3.6066 3.5787 15 3.7257 3.7079 3.6881 3.6662 3.6418 16 3.7766 3.7610 3.7436 3.7243 3.7029 17 3.8274 3.8136 3.7983 3.7813 3.7624 18 3.8681 3.8559 3.8424 3.8274 3.8107 19 3.9187 3.9079 3.8959 3.8826 3.8678 20 3.9692 3.9597 3.9491 3.9373 3.9242 21 4.0097 4.0012 3.9918 3.9813 3.9697 22 4.0501 4.0425 4.0341 4.0248 4.0145 23 4.0905 4.0838 4.0763 4.0680 4.0589 24 4.1408 4.1347 4.1281 4.1207 4.1124 25 4.1810 4.1756 4.1696 4.1630 4.1556 6TH 7TH 8TH 9TH 10TH 10 3.2294 3.1677 3.0991 3.0229 2.9384 11 3.3149 3.2621 3.2034 3.1384 3.0661 12 3.4036 3.3581 3.3076 3.2515 3.1892 13 3.4678 3.4283 3.3846 3.3360 3.2821 14 3.5478 3.5134 3.4753 3.4330 3.3860 15 3.6147 3.5847 3.5513 3.5143 3.4732 16 3.6791 3.6527 3.6234 3.5908 3.5547 17 3.7414 3.7181 3.6923 3.6636 3.6318 18 3.7922 3.7717 3.7488 3.7235 3.6954 19 3.8514 3.8332 3.8130 3.7906 3.7657 20 3.9097 3.8935 3.8756 3.8558 3.8337 21 3.9569 3.9425 3.9267 3.9090 3.8895 22 4.0030 3.9903 3.9761 3.9604 3.9430 23 4.0487 4.0373 4.0248 4.0108 3.9954 24 4.1033 4.0931 4.0819 4.0694 4.0555 25 4.1474 4.1383 4.1282 4.1170 4.1045 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 31 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.9859 12 3.1200 3.0433 13 3.2222 3.1558 3.0820 14 3.3339 3.2760 3.2117 3.1403 15 3.4276 3.3769 3.3206 3.2582 3.1888 16 3.5146 3.4701 3.4207 3.3658 3.3048 17 3.5964 3.5571 3.5135 3.4651 3.4114 18 3.6642 3.6295 3.5910 3.5483 3.5009 19 3.7380 3.7073 3.6732 3.6354 3.5933 20 3.8092 3.7820 3.7518 3.7183 3.6811 21 3.8677 3.8436 3.8168 3.7871 3.7541 22 3.9236 3.9021 3.8782 3.8518 3.8223 23 3.9782 3.9591 3.9379 3.9144 3.8883 24 4.0401 4.0230 4.0040 3.9829 3.9595 25 4.0907 4.0753 4.0583 4.0393 4.0183 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.2372 17 3.3518 3.2855 18 3.4483 3.3898 3.3249 19 3.5467 3.4949 3.4374 3.3736 20 3.6397 3.5939 3.5429 3.4864 3.4236 21 3.7174 3.6767 3.6315 3.5814 3.5257 22 3.7897 3.7534 3.7132 3.6685 3.6189 23 3.8593 3.8271 3.7914 3.7517 3.7076 24 3.9335 3.9046 3.8726 3.8370 3.7975 25 3.9950 3.9691 3.9404 3.9084 3.8730 21ST 22ND 23RD 24TH 25TH 21 3.4639 22 3.5638 3.5026 23 3.6587 3.6045 3.5442 24 3.7537 3.7050 3.6510 3.5910 25 3.8337 3.7900 3.7415 3.6877 3.6279 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 31 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.2076 3.1710 3.1303 3.0852 3.0351 11 3.2599 3.2286 3.1939 3.1553 3.1124 12 3.3118 3.2848 3.2548 3.2216 3.1846 13 3.3633 3.3400 3.3140 3.2852 3.2533 14 3.4146 3.3943 3.3717 3.3466 3.3187 15 3.4557 3.4379 3.4181 3.3962 3.3718 16 3.5066 3.4910 3.4736 3.4543 3.4329 17 3.5574 3.5436 3.5283 3.5113 3.4924 18 3.5981 3.5859 3.5724 3.5574 3.5407 19 3.6487 3.6379 3.6259 3.6126 3.5978 20 3.6892 3.6797 3.6691 3.6573 3.6442 21 3.7297 3.7212 3.7118 3.7013 3.6897 22 3.7701 3.7625 3.7541 3.7448 3.7345 23 3.8005 3.7938 3.7863 3.7780 3.7689 24 3.8408 3.8347 3.8281 3.8207 3.8124 25 3.8810 3.8756 3.8696 3.8630 3.8556 6TH 7TH 8TH 9TH 10TH 10 2.9794 2.9177 2.8491 2.7729 2.6884 11 3.0649 3.0121 2.9534 2.8884 2.8161 12 3.1436 3.0981 3.0476 2.9915 2.9292 13 3.2178 3.1783 3.1346 3.0860 3.0321 14 3.2878 3.2534 3.2153 3.1730 3.1260 15 3.3447 3.3147 3.2813 3.2443 3.2032 16 3.4091 3.3827 3.3534 3.3208 3.2847 17 3.4714 3.4481 3.4223 3.3936 3.3618 18 3.5222 3.5017 3.4788 3.4535 3.4254 19 3.5814 3.5632 3.5430 3.5206 3.4957 20 3.6297 3.6135 3.5956 3.5758 3.5537 21 3.6769 3.6625 3.6467 3.6290 3.6095 22 3.7230 3.7103 3.6961 3.6804 3.6630 23 3.7587 3.7473 3.7348 3.7208 3.7054 24 3.8033 3.7931 3.7819 3.7694 3.7555 25 3.8474 3.8383 3.8282 3.8170 3.8045 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 32 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.7359 12 2.8600 2.7833 13 2.9722 2.9058 2.8320 14 3.0739 3.0160 2.9517 2.8803 15 3.1576 3.1069 3.0506 2.9882 2.9188 16 3.2446 3.2001 3.1507 3.0958 3.0348 17 3.3264 3.2871 3.2435 3.1951 3.1414 18 3.3942 3.3595 3.3210 3.2783 3.2309 19 3.4680 3.4373 3.4032 3.3654 3.3233 20 3.5292 3.5020 3.4718 3.4383 3.4011 21 3.5877 3.5636 3.5368 3.5071 3.4741 22 3.6436 3.6221 3.5982 3.5718 3.5423 23 3.6882 3.6691 3.6479 3.6244 3.5983 24 3.7401 3.7230 3.7040 3.6829 3.6595 25 3.7907 3.7753 3.7583 3.7393 3.7183 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.9672 17 3.0818 3.0155 18 3.1783 3.1198 3.0549 19 3.2767 3.2249 3.1674 3.1036 20 3.3597 3.3139 3.2629 3.2064 3.1436 21 3.4374 3.3967 3.3515 3.3014 3.2457 22 3.5097 3.4734 3.4332 3.3885 3.3389 23 3.5693 3.5371 3.5014 3.4617 3.4176 24 3.6335 3.6046 3.5726 3.5370 3.4975 25 3.6950 3.6691 3.6404 3.6084 3.5730 21ST 22ND 23RD 24TH 25TH 21 3.1839 22 3.2838 3.2226 23 3.3687 3.3145 3.2542 24 3.4537 3.4050 3.3510 3.2910 25 3.5337 3.4900 3.4415 3.3877 3.3279 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 32 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.9576 2.9210 2.8803 2.8352 2.7851 11 3.0099 2.9786 2.9439 2.9053 2.8624 12 3.0618 3.0348 3.0048 2.9716 2.9346 13 3.1033 3.0800 3.0540 3.0252 2.9933 14 3.1446 3.1243 3.1017 3.0766 3.0487 15 3.1957 3.1779 3.1581 3.1362 3.1118 16 3.2366 3.2210 3.2036 3.1843 3.1629 17 3.2774 3.2636 3.2483 3.2313 3.2124 18 3.3181 3.3059 3.2924 3.2774 3.2607 19 3.3587 3.3479 3.3359 3.3226 3.3078 20 3.3992 3.3897 3.3791 3.3673 3.3542 21 3.4397 3.4312 3.4218 3.4113 3.3997 22 3.4701 3.4625 3.4541 3.4448 3.4345 23 3.5105 3.5038 3.4963 3.4880 3.4789 24 3.5508 3.5447 3.5381 3.5307 3.5224 25 3.5810 3.5756 3.5696 3.5630 3.5556 6TH 7TH 8TH 9TH 10TH 10 2.7294 2.6677 2.5991 2.5229 2.4384 11 2.8149 2.7621 2.7034 2.6384 2.5661 12 2.8936 2.8481 2.7976 2.7415 2.6792 13 2.9578 2.9183 2.8746 2.8260 2.7721 14 3.0178 2.9834 2.9453 2.9030 2.8560 15 3.0847 3.0547 3.0213 2.9843 2.9432 16 3.1391 3.1127 3.0834 3.0508 3.0147 17 3.1914 3.1681 3.1423 3.1136 3.0818 18 3.2422 3.2217 3.1988 3.1735 3.1454 19 3.2914 3.2732 3.2530 3.2306 3.2057 20 3.3397 3.3235 3.3056 3.2858 3.2637 21 3.3869 3.3725 3.3567 3.3390 3.3195 22 3.4230 3.4103 3.3961 3.3804 3.3630 23 3.4687 3.4573 3.4448 3.4308 3.4154 24 3.5133 3.5031 3.4919 3.4794 3.4655 25 3.5474 3.5383 3.5282 3.5170 3.5045 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 33 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.4859 12 2.6100 2.5333 13 2.7122 2.6458 2.5720 14 2.8039 2.7460 2.6817 2.6103 15 2.8976 2.8469 2.7906 2.7282 2.6588 16 2.9746 2.9301 2.8807 2.8258 2.7648 17 3.0464 3.0071 2.9635 2.9151 2.8614 18 3.1142 3.0795 3.0410 2.9983 2.9509 19 3.1780 3.1473 3.1132 3.0754 3.0333 20 3.2392 3.2120 3.1818 3.1483 3.1111 21 3.2977 3.2736 3.2468 3.2171 3.1841 22 3.3436 3.3221 3.2982 3.2718 3.2423 23 3.3982 3.3791 3.3579 3.3344 3.3083 24 3.4501 3.4330 3.4140 3.3929 3.3695 25 3.4907 3.4753 3.4583 3.4393 3.4183 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.6972 17 2.8018 2.7355 18 2.8983 2.8398 2.7749 19 2.9867 2.9349 2.8774 2.8136 20 3.0697 3.0239 2.9729 2.9164 2.8536 21 3.1474 3.1067 3.0615 3.0114 2.9557 22 3.2097 3.1734 3.1332 3.0885 3.0389 23 3.2793 3.2471 3.2114 3.1717 3.1276 24 3.3435 3.3146 3.2826 3.2470 3.2075 25 3.3950 3.3691 3.3404 3.3084 3.2730 21ST 22ND 23RD 24TH 25TH 21 2.8939 22 2.9838 2.9226 23 3.0787 3.0245 2.9642 24 3.1637 3.1150 3.0610 3.0010 25 3.2337 3.1900 3.1415 3.0877 3.0279 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 33 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.5776 2.5410 2.5003 2.4552 2.4051 11 2.6199 2.5886 2.5539 2.5153 2.4724 12 2.6618 2.6348 2.6048 2.5716 2.5346 13 2.7033 2.6800 2.6540 2.6252 2.5933 14 2.7446 2.7243 2.7017 2.6766 2.6487 15 2.7857 2.7679 2.7481 2.7262 2.7018 16 2.8166 2.8010 2.7836 2.7643 2.7429 17 2.8574 2.8436 2.8283 2.8113 2.7924 18 2.8981 2.8859 2.8724 2.8574 2.8407 19 2.9287 2.9179 2.9059 2.8926 2.8778 20 2.9592 2.9497 2.9391 2.9273 2.9142 21 2.9897 2.9812 2.9718 2.9613 2.9497 22 3.0201 3.0125 3.0041 2.9948 2.9845 23 3.0505 3.0438 3.0363 3.0280 3.0189 24 3.0808 3.0747 3.0681 3.0607 3.0524 25 3.1210 3.1156 3.1096 3.1030 3.0956 6TH 7TH 8TH 9TH 10TH 10 2.3494 2.2877 2.2191 2.1429 2.0584 11 2.4249 2.3721 2.3134 2.2484 2.1761 12 2.4936 2.4481 2.3976 2.3415 2.2792 13 2.5578 2.5183 2.4746 2.4260 2.3721 14 2.6178 2.5834 2.5453 2.5030 2.4560 15 2.6747 2.6447 2.6113 2.5743 2.5332 16 2.7191 2.6927 2.6634 2.6308 2.5947 17 2.7714 2.7481 2.7223 2.6936 2.6618 18 2.8222 2.8017 2.7788 2.7535 2.7254 19 2.8614 2.8432 2.8230 2.8006 2.7757 20 2.8997 2.8835 2.8656 2.8458 2.8237 21 2.9369 2.9225 2.9067 2.8890 2.8695 22 2.9730 2.9603 2.9461 2.9304 2.9130 23 3.0087 2.9973 2.9848 2.9708 2.9554 24 3.0433 3.0331 3.0219 3.0094 2.9955 25 3.0874 3.0783 3.0682 3.0570 3.0445 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 34 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.0959 12 2.2100 2.1333 13 2.3122 2.2458 2.1720 14 2.4039 2.3460 2.2817 2.2103 15 2.4876 2.4369 2.3806 2.3182 2.2488 16 2.5546 2.5101 2.4607 2.4058 2.3448 17 2.6264 2.5871 2.5435 2.4951 2.4414 18 2.6942 2.6595 2.6210 2.5783 2.5309 19 2.7480 2.7173 2.6832 2.6454 2.6033 20 2.7992 2.7720 2.7418 2.7083 2.6711 21 2.8477 2.8236 2.7968 2.7671 2.7341 22 2.8936 2.8721 2.8482 2.8218 2.7923 23 2.9382 2.9191 2.8979 2.8744 2.8483 24 2.9801 2.9630 2.9440 2.9229 2.8995 25 3.0307 3.0153 2.9983 2.9793 2.9583 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.2772 17 2.3818 2.3155 18 2.4783 2.4198 2.3549 19 2.5567 2.5049 2.4474 2.3836 20 2.6297 2.5839 2.5329 2.4764 2.4136 21 2.6974 2.6567 2.6115 2.5614 2.5057 22 2.7597 2.7234 2.6832 2.6385 2.5889 23 2.8193 2.7871 2.7514 2.7117 2.6676 24 2.8735 2.8446 2.8126 2.7770 2.7375 25 2.9350 2.9091 2.8804 2.8484 2.8130 21ST 22ND 23RD 24TH 25TH 21 2.4439 22 2.5338 2.4726 23 2.6187 2.5645 2.5042 24 2.6937 2.6450 2.5910 2.5310 25 2.7737 2.7300 2.6815 2.6277 2.5679 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 34 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.3176 2.2810 2.2403 2.1952 2.1451 11 2.3599 2.3285 2.2939 2.2553 2.2124 12 2.4018 2.3748 2.3448 2.3116 2.2746 13 2.4333 2.4100 2.3840 2.3552 2.3233 14 2.4646 2.4443 2.4217 2.3966 2.3687 15 2.5057 2.4879 2.4681 2.4462 2.4218 16 2.5366 2.5210 2.5036 2.4843 2.4629 17 2.5674 2.5536 2.5383 2.5213 2.5024 18 2.5981 2.5859 2.5724 2.5574 2.5407 19 2.6287 2.6179 2.6059 2.5926 2.5778 20 2.6592 2.6497 2.6391 2.6273 2.6142 21 2.6897 2.6812 2.6718 2.6613 2.6497 22 2.7201 2.7125 2.7041 2.6948 2.6845 23 2.7405 2.7338 2.7263 2.7180 2.7089 24 2.7708 2.7647 2.7581 2.7507 2.7424 25 2.8010 2.7956 2.7896 2.7830 2.7756 6TH 7TH 8TH 9TH 10TH 10 2.0894 2.0277 1.9591 1.8829 1.7984 11 2.1649 2.1121 2.0534 1.9884 1.9161 12 2.2336 2.1881 2.1376 2.0815 2.0192 13 2.2878 2.2483 2.2046 2.1560 2.1021 14 2.3378 2.3034 2.2653 2.2230 2.1760 15 2.3947 2.3647 2.3313 2.2943 2.2532 16 2.4391 2.4127 2.3834 2.3508 2.3147 17 2.4814 2.4581 2.4323 2.4036 2.3718 18 2.5222 2.5017 2.4788 2.4535 2.4254 19 2.5614 2.5432 2.5230 2.5006 2.4757 20 2.5997 2.5835 2.5656 2.5458 2.5237 21 2.6369 2.6225 2.6067 2.5890 2.5695 22 2.6730 2.6603 2.6461 2.6304 2.6130 23 2.6987 2.6873 2.6748 2.6608 2.6454 24 2.7333 2.7231 2.7119 2.6994 2.6855 25 2.7674 2.7583 2.7482 2.7370 2.7245 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 35 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.8359 12 1.9500 1.8733 13 2.0422 1.9758 1.9020 14 2.1239 2.0660 2.0017 1.9303 15 2.2076 2.1569 2.1006 2.0382 1.9688 16 2.2746 2.2301 2.1807 2.1258 2.0648 17 2.3364 2.2971 2.2535 2.2051 2.1514 18 2.3942 2.3595 2.3210 2.2783 2.2309 19 2.4480 2.4173 2.3832 2.3454 2.3033 20 2.4992 2.4720 2.4418 2.4083 2.3711 21 2.5477 2.5236 2.4968 2.4671 2.4341 22 2.5936 2.5721 2.5482 2.5218 2.4923 23 2.6282 2.6091 2.5879 2.5644 2.5383 24 2.6701 2.6530 2.6340 2.6129 2.5895 25 2.7107 2.6953 2.6783 2.6593 2.6383 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.9972 17 2.0918 2.0255 18 2.1783 2.1198 2.0549 19 2.2567 2.2049 2.1474 2.0836 20 2.3297 2.2839 2.2329 2.1764 2.1136 21 2.3974 2.3567 2.3115 2.2614 2.2057 22 2.4597 2.4234 2.3832 2.3385 2.2889 23 2.5093 2.4771 2.4414 2.4017 2.3576 24 2.5635 2.5346 2.5026 2.4670 2.4275 25 2.6150 2.5891 2.5604 2.5284 2.4930 21ST 22ND 23RD 24TH 25TH 21 2.1439 22 2.2338 2.1726 23 2.3087 2.2545 2.1942 24 2.3837 2.3350 2.2810 2.2210 25 2.4537 2.4100 2.3615 2.3077 2.2479 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 35 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 1.9276 1.8910 1.8503 1.8052 1.7551 11 1.9599 1.9286 1.8939 1.8553 1.8124 12 1.9918 1.9648 1.9348 1.9016 1.8646 13 2.0133 1.9900 1.9640 1.9352 1.9033 14 2.0446 2.0243 2.0017 1.9766 1.9487 15 2.0757 2.0579 2.0381 2.0162 1.9918 16 2.1066 2.0910 2.0736 2.0543 2.0329 17 2.1274 2.1136 2.0983 2.0813 2.0624 18 2.1581 2.1459 2.1324 2.1174 2.1007 19 2.1787 2.1679 2.1559 2.1426 2.1278 20 2.1992 2.1897 2.1791 2.1673 2.1542 21 2.2197 2.2112 2.2018 2.1913 2.1797 22 2.2401 2.2325 2.2241 2.2148 2.2045 23 2.2605 2.2538 2.2463 2.2380 2.2289 24 2.2808 2.2747 2.2681 2.2607 2.2524 25 2.3110 2.3056 2.2996 2.2930 2.2856 6TH 7TH 8TH 9TH 10TH 10 1.6994 1.6377 1.5691 1.4929 1.4084 11 1.7649 1.7121 1.6534 1.5884 1.5161 12 1.8236 1.7781 1.7276 1.6715 1.6092 13 1.8678 1.8283 1.7846 1.7360 1.6821 14 1.9178 1.8834 1.8453 1.8030 1.7560 15 1.9647 1.9347 1.9013 1.8643 1.8232 16 2.0091 1.9827 1.9534 1.9208 1.8847 17 2.0414 2.0181 1.9923 1.9636 1.9318 18 2.0822 2.0617 2.0388 2.0135 1.9854 19 2.1114 2.0932 2.0730 2.0506 2.0257 20 2.1397 2.1235 2.1056 2.0858 2.0637 21 2.1669 2.1525 2.1367 2.1190 2.0995 22 2.1930 2.1803 2.1661 2.1504 2.1330 23 2.2187 2.2073 2.1948 2.1808 2.1654 24 2.2433 2.2331 2.2219 2.2094 2.1955 25 2.2774 2.2683 2.2582 2.2470 2.2345 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 36 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 10.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.4359 12 1.5400 1.4633 13 1.6222 1.5558 1.4820 14 1.7039 1.6460 1.5817 1.5103 15 1.7776 1.7269 1.6706 1.6082 1.5388 16 1.8446 1.8001 1.7507 1.6958 1.6348 17 1.8964 1.8571 1.8135 1.7651 1.7114 18 1.9542 1.9195 1.8810 1.8383 1.7909 19 1.9980 1.9673 1.9332 1.8954 1.8533 20 2.0392 2.0120 1.9818 1.9483 1.9111 21 2.0777 2.0536 2.0268 1.9971 1.9641 22 2.1136 2.0921 2.0682 2.0418 2.0123 23 2.1482 2.1291 2.1079 2.0844 2.0583 24 2.1801 2.1630 2.1440 2.1229 2.0995 25 2.2207 2.2053 2.1883 2.1693 2.1483 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.5672 17 1.6518 1.5855 18 1.7383 1.6798 1.6149 19 1.8067 1.7549 1.6974 1.6336 20 1.8697 1.8239 1.7729 1.7164 1.6536 21 1.9274 1.8867 1.8415 1.7914 1.7357 22 1.9797 1.9434 1.9032 1.8585 1.8089 23 2.0293 1.9971 1.9614 1.9217 1.8776 24 2.0735 2.0446 2.0126 1.9770 1.9375 25 2.1250 2.0991 2.0704 2.0384 2.0030 21ST 22ND 23RD 24TH 25TH 21 1.6739 22 1.7538 1.6926 23 1.8287 1.7745 1.7142 24 1.8937 1.8450 1.7910 1.7310 25 1.9637 1.9200 1.8715 1.8177 1.7579 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 36 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.5781 5.5423 5.5025 5.4580 5.4083 11 5.6603 5.6298 5.5959 5.5579 5.5156 12 5.7322 5.7060 5.6769 5.6444 5.6081 13 5.8137 5.7911 5.7659 5.7379 5.7065 14 5.8850 5.8653 5.8434 5.8190 5.7917 15 5.9560 5.9390 5.9199 5.8987 5.8750 16 6.0369 6.0220 6.0052 5.9866 5.9658 17 6.0977 6.0846 6.0700 6.0536 6.0354 18 6.1684 6.1568 6.1439 6.1295 6.1134 19 6.2390 6.2288 6.2175 6.2048 6.1907 20 6.3095 6.3005 6.2904 6.2792 6.2667 21 6.3599 6.3520 6.3432 6.3333 6.3223 22 6.4303 6.4232 6.4153 6.4065 6.3967 23 6.5006 6.4943 6.4873 6.4795 6.4707 24 6.5609 6.5553 6.5491 6.5421 6.5343 25 6.6212 6.6162 6.6107 6.6045 6.5975 6TH 7TH 8TH 9TH 10TH 10 5.3530 5.2912 5.2222 5.1453 5.0595 11 5.4684 5.4157 5.3569 5.2913 5.2182 12 5.5676 5.5224 5.4720 5.4157 5.3530 13 5.6715 5.6325 5.5890 5.5404 5.4862 14 5.7613 5.7274 5.6895 5.6473 5.6002 15 5.8485 5.8190 5.7861 5.7494 5.7084 16 5.9426 5.9167 5.8878 5.8556 5.8196 17 6.0151 5.9924 5.9671 5.9389 5.9074 18 6.0955 6.0755 6.0532 6.0283 6.0005 19 6.1749 6.1573 6.1377 6.1158 6.0914 20 6.2527 6.2371 6.2198 6.2004 6.1787 21 6.3100 6.2963 6.2810 6.2640 6.2449 22 6.3857 6.3735 6.3599 6.3446 6.3276 23 6.4610 6.4501 6.4379 6.4243 6.4092 24 6.5256 6.5160 6.5051 6.4931 6.4796 25 6.5898 6.5812 6.5716 6.5609 6.5489 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 37 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.1365 12 5.2830 5.2049 13 5.4257 5.3583 5.2830 14 5.5476 5.4889 5.4235 5.3505 15 5.6626 5.6116 5.5547 5.4912 5.4203 16 5.7795 5.7347 5.6848 5.6290 5.5669 17 5.8722 5.8330 5.7893 5.7405 5.6860 18 5.9695 5.9350 5.8964 5.8533 5.8053 19 6.0641 6.0337 5.9998 5.9619 5.9197 20 6.1546 6.1276 6.0976 6.0640 6.0266 21 6.2237 6.2000 6.1735 6.1440 6.1111 22 6.3087 6.2875 6.2639 6.2376 6.2082 23 6.3923 6.3735 6.3525 6.3290 6.3029 24 6.4646 6.4479 6.4292 6.4083 6.3851 25 6.5355 6.5206 6.5040 6.4855 6.4648 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.4975 17 5.6252 5.5575 18 5.7517 5.6919 5.6252 19 5.8725 5.8200 5.7613 5.6958 20 5.9849 5.9383 5.8863 5.8284 5.7637 21 6.0744 6.0334 5.9877 5.9367 5.8798 22 6.1755 6.1389 6.0981 6.0526 6.0018 23 6.2737 6.2411 6.2048 6.1643 6.1191 24 6.3591 6.3302 6.2978 6.2618 6.2216 25 6.4417 6.4159 6.3872 6.3551 6.3194 21ST 22ND 23RD 24TH 25TH 21 5.8163 22 5.9451 5.8819 23 6.0686 6.0123 5.9495 24 6.1767 6.1266 6.0708 6.0084 25 6.2795 6.2349 6.1852 6.1298 6.0680 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 37 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.2181 4.1823 4.1425 4.0980 4.0483 11 4.2903 4.2598 4.2259 4.1879 4.1456 12 4.3522 4.3260 4.2969 4.2644 4.2281 13 4.4137 4.3911 4.3659 4.3379 4.3065 14 4.4850 4.4653 4.4434 4.4190 4.3917 15 4.5460 4.5290 4.5099 4.4887 4.4650 16 4.6169 4.6020 4.5852 4.5666 4.5458 17 4.6677 4.6546 4.6400 4.6236 4.6054 18 4.7284 4.7168 4.7039 4.6895 4.6734 19 4.7890 4.7788 4.7675 4.7548 4.7407 20 4.8495 4.8405 4.8304 4.8192 4.8067 21 4.8899 4.8820 4.8732 4.8633 4.8523 22 4.9503 4.9432 4.9353 4.9265 4.9167 23 5.0106 5.0043 4.9973 4.9895 4.9807 24 5.0609 5.0553 5.0491 5.0421 5.0343 25 5.1112 5.1062 5.1007 5.0945 5.0875 6TH 7TH 8TH 9TH 10TH 10 3.9930 3.9312 3.8622 3.7853 3.6995 11 4.0984 4.0457 3.9869 3.9213 3.8482 12 4.1876 4.1424 4.0920 4.0357 3.9730 13 4.2715 4.2325 4.1890 4.1404 4.0862 14 4.3613 4.3274 4.2895 4.2473 4.2002 15 4.4385 4.4090 4.3761 4.3394 4.2984 16 4.5226 4.4967 4.4678 4.4356 4.3996 17 4.5851 4.5624 4.5371 4.5089 4.4774 18 4.6555 4.6355 4.6132 4.5883 4.5605 19 4.7249 4.7073 4.6877 4.6658 4.6414 20 4.7927 4.7771 4.7598 4.7404 4.7187 21 4.8400 4.8263 4.8110 4.7940 4.7749 22 4.9057 4.8935 4.8799 4.8646 4.8476 23 4.9710 4.9601 4.9479 4.9343 4.9192 24 5.0256 5.0160 5.0051 4.9931 4.9796 25 5.0798 5.0712 5.0616 5.0509 5.0389 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 38 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.7665 12 3.9030 3.8249 13 4.0257 3.9583 3.8830 14 4.1476 4.0889 4.0235 3.9505 15 4.2526 4.2016 4.1447 4.0812 4.0103 16 4.3595 4.3147 4.2648 4.2090 4.1469 17 4.4422 4.4030 4.3593 4.3105 4.2560 18 4.5295 4.4950 4.4564 4.4133 4.3653 19 4.6141 4.5837 4.5498 4.5119 4.4697 20 4.6946 4.6676 4.6376 4.6040 4.5666 21 4.7537 4.7300 4.7035 4.6740 4.6411 22 4.8287 4.8075 4.7839 4.7576 4.7282 23 4.9023 4.8835 4.8625 4.8390 4.8129 24 4.9646 4.9479 4.9292 4.9083 4.8851 25 5.0255 5.0106 4.9940 4.9755 4.9548 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.0775 17 4.1952 4.1275 18 4.3117 4.2519 4.1852 19 4.4225 4.3700 4.3113 4.2458 20 4.5249 4.4783 4.4263 4.3684 4.3037 21 4.6044 4.5634 4.5177 4.4667 4.4098 22 4.6955 4.6589 4.6181 4.5726 4.5218 23 4.7837 4.7511 4.7148 4.6743 4.6291 24 4.8591 4.8302 4.7978 4.7618 4.7216 25 4.9317 4.9059 4.8772 4.8451 4.8094 21ST 22ND 23RD 24TH 25TH 21 4.3463 22 4.4651 4.4019 23 4.5786 4.5223 4.4595 24 4.6767 4.6266 4.5708 4.5084 25 4.7695 4.7249 4.6752 4.6198 4.5580 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 38 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.8581 3.8223 3.7825 3.7380 3.6883 11 3.9203 3.8898 3.8559 3.8179 3.7756 12 3.9822 3.9560 3.9269 3.8944 3.8581 13 4.0437 4.0211 3.9959 3.9679 3.9365 14 4.1050 4.0853 4.0634 4.0390 4.0117 15 4.1660 4.1490 4.1299 4.1087 4.0850 16 4.2269 4.2120 4.1952 4.1766 4.1558 17 4.2777 4.2646 4.2500 4.2336 4.2154 18 4.3384 4.3268 4.3139 4.2995 4.2834 19 4.3890 4.3788 4.3675 4.3548 4.3407 20 4.4395 4.4305 4.4204 4.4092 4.3967 21 4.4899 4.4820 4.4732 4.4633 4.4523 22 4.5403 4.5332 4.5253 4.5165 4.5067 23 4.5906 4.5843 4.5773 4.5695 4.5607 24 4.6409 4.6353 4.6291 4.6221 4.6143 25 4.6812 4.6762 4.6707 4.6645 4.6575 6TH 7TH 8TH 9TH 10TH 10 3.6330 3.5712 3.5022 3.4253 3.3395 11 3.7284 3.6757 3.6169 3.5513 3.4782 12 3.8176 3.7724 3.7220 3.6657 3.6030 13 3.9015 3.8625 3.8190 3.7704 3.7162 14 3.9813 3.9474 3.9095 3.8673 3.8202 15 4.0585 4.0290 3.9961 3.9594 3.9184 16 4.1326 4.1067 4.0778 4.0456 4.0096 17 4.1951 4.1724 4.1471 4.1189 4.0874 18 4.2655 4.2455 4.2232 4.1983 4.1705 19 4.3249 4.3073 4.2877 4.2658 4.2414 20 4.3827 4.3671 4.3498 4.3304 4.3087 21 4.4400 4.4263 4.4110 4.3940 4.3749 22 4.4957 4.4835 4.4699 4.4546 4.4376 23 4.5510 4.5401 4.5279 4.5143 4.4992 24 4.6056 4.5960 4.5851 4.5731 4.5596 25 4.6498 4.6412 4.6316 4.6209 4.6089 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 39 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.3965 12 3.5330 3.4549 13 3.6557 3.5883 3.5130 14 3.7676 3.7089 3.6435 3.5705 15 3.8726 3.8216 3.7647 3.7012 3.6303 16 3.9695 3.9247 3.8748 3.8190 3.7569 17 4.0522 4.0130 3.9693 3.9205 3.8660 18 4.1395 4.1050 4.0664 4.0233 3.9753 19 4.2141 4.1837 4.1498 4.1119 4.0697 20 4.2846 4.2576 4.2276 4.1940 4.1566 21 4.3537 4.3300 4.3035 4.2740 4.2411 22 4.4187 4.3975 4.3739 4.3476 4.3182 23 4.4823 4.4635 4.4425 4.4190 4.3929 24 4.5446 4.5279 4.5092 4.4883 4.4651 25 4.5955 4.5806 4.5640 4.5455 4.5248 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.6875 17 3.8052 3.7375 18 3.9217 3.8619 3.7952 19 4.0225 3.9700 3.9113 3.8458 20 4.1149 4.0683 4.0163 3.9584 3.8937 21 4.2044 4.1634 4.1177 4.0667 4.0098 22 4.2855 4.2489 4.2081 4.1626 4.1118 23 4.3637 4.3311 4.2948 4.2543 4.2091 24 4.4391 4.4102 4.3778 4.3418 4.3016 25 4.5017 4.4759 4.4472 4.4151 4.3794 21ST 22ND 23RD 24TH 25TH 21 3.9463 22 4.0551 3.9919 23 4.1586 4.1023 4.0395 24 4.2567 4.2066 4.1508 4.0884 25 4.3395 4.2949 4.2452 4.1898 4.1280 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 39 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.7381 3.7023 3.6625 3.6180 3.5683 11 3.8003 3.7698 3.7359 3.6979 3.6556 12 3.8622 3.8360 3.8069 3.7744 3.7381 13 3.9137 3.8911 3.8659 3.8379 3.8065 14 3.9850 3.9653 3.9434 3.9190 3.8917 15 4.0360 4.0190 3.9999 3.9787 3.9550 16 4.0969 4.0820 4.0652 4.0466 4.0258 17 4.1477 4.1346 4.1200 4.1036 4.0854 18 4.1984 4.1868 4.1739 4.1595 4.1434 19 4.2490 4.2388 4.2275 4.2148 4.2007 20 4.3095 4.3005 4.2904 4.2792 4.2667 21 4.3499 4.3420 4.3332 4.3233 4.3123 22 4.4003 4.3932 4.3853 4.3765 4.3667 23 4.4506 4.4443 4.4373 4.4295 4.4207 24 4.5009 4.4953 4.4891 4.4821 4.4743 25 4.5412 4.5362 4.5307 4.5245 4.5175 6TH 7TH 8TH 9TH 10TH 10 3.5130 3.4512 3.3822 3.3053 3.2195 11 3.6084 3.5557 3.4969 3.4313 3.3582 12 3.6976 3.6524 3.6020 3.5457 3.4830 13 3.7715 3.7325 3.6890 3.6404 3.5862 14 3.8613 3.8274 3.7895 3.7473 3.7002 15 3.9285 3.8990 3.8661 3.8294 3.7884 16 4.0026 3.9767 3.9478 3.9156 3.8796 17 4.0651 4.0424 4.0171 3.9889 3.9574 18 4.1255 4.1055 4.0832 4.0583 4.0305 19 4.1849 4.1673 4.1477 4.1258 4.1014 20 4.2527 4.2371 4.2198 4.2004 4.1787 21 4.3000 4.2863 4.2710 4.2540 4.2349 22 4.3557 4.3435 4.3299 4.3146 4.2976 23 4.4110 4.4001 4.3879 4.3743 4.3592 24 4.4656 4.4560 4.4451 4.4331 4.4196 25 4.5098 4.5012 4.4916 4.4809 4.4689 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 40 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.2765 12 3.4130 3.3349 13 3.5257 3.4583 3.3830 14 3.6476 3.5889 3.5235 3.4505 15 3.7426 3.6916 3.6347 3.5712 3.5003 16 3.8395 3.7947 3.7448 3.6890 3.6269 17 3.9222 3.8830 3.8393 3.7905 3.7360 18 3.9995 3.9650 3.9264 3.8833 3.8353 19 4.0741 4.0437 4.0098 3.9719 3.9297 20 4.1546 4.1276 4.0976 4.0640 4.0266 21 4.2137 4.1900 4.1635 4.1340 4.1011 22 4.2787 4.2575 4.2339 4.2076 4.1782 23 4.3423 4.3235 4.3025 4.2790 4.2529 24 4.4046 4.3879 4.3692 4.3483 4.3251 25 4.4555 4.4406 4.4240 4.4055 4.3848 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.5575 17 3.6752 3.6075 18 3.7817 3.7219 3.6552 19 3.8825 3.8300 3.7713 3.7058 20 3.9849 3.9383 3.8863 3.8284 3.7637 21 4.0644 4.0234 3.9777 3.9267 3.8698 22 4.1455 4.1089 4.0681 4.0226 3.9718 23 4.2237 4.1911 4.1548 4.1143 4.0691 24 4.2991 4.2702 4.2378 4.2018 4.1616 25 4.3617 4.3359 4.3072 4.2751 4.2394 21ST 22ND 23RD 24TH 25TH 21 3.8063 22 3.9151 3.8519 23 4.0186 3.9623 3.8995 24 4.1167 4.0666 4.0108 3.9484 25 4.1995 4.1549 4.1052 4.0498 3.9880 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 40 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.4881 3.4523 3.4125 3.3680 3.3183 11 3.5503 3.5198 3.4859 3.4479 3.4056 12 3.6022 3.5760 3.5469 3.5144 3.4781 13 3.6637 3.6411 3.6159 3.5879 3.5565 14 3.7250 3.7053 3.6834 3.6590 3.6317 15 3.7660 3.7490 3.7299 3.7087 3.6850 16 3.8269 3.8120 3.7952 3.7766 3.7558 17 3.8777 3.8646 3.8500 3.8336 3.8154 18 3.9284 3.9168 3.9039 3.8895 3.8734 19 3.9790 3.9688 3.9575 3.9448 3.9307 20 4.0295 4.0205 4.0104 3.9992 3.9867 21 4.0699 4.0620 4.0532 4.0433 4.0323 22 4.1203 4.1132 4.1053 4.0965 4.0867 23 4.1606 4.1543 4.1473 4.1395 4.1307 24 4.2009 4.1953 4.1891 4.1821 4.1743 25 4.2412 4.2362 4.2307 4.2245 4.2175 6TH 7TH 8TH 9TH 10TH 10 3.2630 3.2012 3.1322 3.0553 2.9695 11 3.3584 3.3057 3.2469 3.1813 3.1082 12 3.4376 3.3924 3.3420 3.2857 3.2230 13 3.5215 3.4825 3.4390 3.3904 3.3362 14 3.6013 3.5674 3.5295 3.4873 3.4402 15 3.6585 3.6290 3.5961 3.5594 3.5184 16 3.7326 3.7067 3.6778 3.6456 3.6096 17 3.7951 3.7724 3.7471 3.7189 3.6874 18 3.8555 3.8355 3.8132 3.7883 3.7605 19 3.9149 3.8973 3.8777 3.8558 3.8314 20 3.9727 3.9571 3.9398 3.9204 3.8987 21 4.0200 4.0063 3.9910 3.9740 3.9549 22 4.0757 4.0635 4.0499 4.0346 4.0176 23 4.1210 4.1101 4.0979 4.0843 4.0692 24 4.1656 4.1560 4.1451 4.1331 4.1196 25 4.2098 4.2012 4.1916 4.1809 4.1689 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 41 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.0265 12 3.1530 3.0749 13 3.2757 3.2083 3.1330 14 3.3876 3.3289 3.2635 3.1905 15 3.4726 3.4216 3.3647 3.3012 3.2303 16 3.5695 3.5247 3.4748 3.4190 3.3569 17 3.6522 3.6130 3.5693 3.5205 3.4660 18 3.7295 3.6950 3.6564 3.6133 3.5653 19 3.8041 3.7737 3.7398 3.7019 3.6597 20 3.8746 3.8476 3.8176 3.7840 3.7466 21 3.9337 3.9100 3.8835 3.8540 3.8211 22 3.9987 3.9775 3.9539 3.9276 3.8982 23 4.0523 4.0335 4.0125 3.9890 3.9629 24 4.1046 4.0879 4.0692 4.0483 4.0251 25 4.1555 4.1406 4.1240 4.1055 4.0848 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.2875 17 3.4052 3.3375 18 3.5117 3.4519 3.3852 19 3.6125 3.5600 3.5013 3.4358 20 3.7049 3.6583 3.6063 3.5484 3.4837 21 3.7844 3.7434 3.6977 3.6467 3.5898 22 3.8655 3.8289 3.7881 3.7426 3.6918 23 3.9337 3.9011 3.8648 3.8243 3.7791 24 3.9991 3.9702 3.9378 3.9018 3.8616 25 4.0617 4.0359 4.0072 3.9751 3.9394 21ST 22ND 23RD 24TH 25TH 21 3.5263 22 3.6351 3.5719 23 3.7286 3.6723 3.6095 24 3.8167 3.7666 3.7108 3.6484 25 3.8995 3.8549 3.8052 3.7498 3.6880 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 41 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.2381 3.2023 3.1625 3.1180 3.0683 11 3.3003 3.2698 3.2359 3.1979 3.1556 12 3.3522 3.3260 3.2969 3.2644 3.2281 13 3.4037 3.3811 3.3559 3.3279 3.2965 14 3.4550 3.4353 3.4134 3.3890 3.3617 15 3.5060 3.4890 3.4699 3.4487 3.4250 16 3.5569 3.5420 3.5252 3.5066 3.4858 17 3.5977 3.5846 3.5700 3.5536 3.5354 18 3.6484 3.6368 3.6239 3.6095 3.5934 19 3.6890 3.6788 3.6575 3.6548 3.6407 20 3.7395 3.7305 3.7204 3.7092 3.6967 21 3.7799 3.7720 3.7632 3.7533 3.7423 22 3.8203 3.8132 3.8053 3.7965 3.7867 23 3.8706 3.8643 3.8573 3.8495 3.8407 24 3.9109 3.9053 3.8991 3.8921 3.8843 25 3.9412 3.9362 3.9307 3.9245 3.9175 6TH 7TH 8TH 9TH 10TH 10 3.0130 2.9512 2.8822 2.8053 2.7195 11 3.1084 3.0557 2.9969 2.9313 2.8582 12 3.1876 3.1424 3.0920 3.0357 2.9730 13 3.2615 3.2225 3.1790 3.1304 3.0762 14 3.3313 3.2974 3.2595 3.2173 3.1702 15 3.3985 3.3690 3.3361 3.2994 3.2584 16 3.4626 3.4367 3.4078 3.3756 3.3396 17 3.5151 3.4924 3.4671 3.4389 3.4074 18 3.5755 3.5555 3.5332 3.5083 3.4805 19 3.6249 3.6073 3.5877 3.5658 3.5414 20 3.6827 3.6671 3.6498 3.6304 3.6087 21 3.7300 3.7163 3.7010 3.6840 3.6649 22 3.7757 3.7635 3.7499 3.7346 3.7176 23 3.8310 3.8201 3.8079 3.7943 3.7792 24 3.8756 3.8660 3.8551 3.8431 3.8296 25 3.9098 3.9012 3.8916 3.8809 3.8689 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 42 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.7765 12 2.9030 2.8249 13 3.0157 2.9483 2.8730 14 3.1176 3.0589 2.9935 2.9205 15 3.2126 3.1616 3.1047 3.0412 2.9703 16 3.2995 3.2547 3.2048 3.1490 3.0869 17 3.3722 3.3330 3.2893 3.2405 3.1860 18 3.4495 3.4150 3.3764 3.3333 3.2853 19 3.5141 3.4837 3.4498 3.4119 3.3697 20 3.5846 3.5576 3.5276 3.4940 3.4566 21 3.6437 3.6200 3.5935 3.5640 3.5311 22 3.6987 3.6775 3.6539 3.6276 3.5982 23 3.7623 3.7435 3.7225 3.6990 3.6729 24 3.8146 3.7979 3.7792 3.7583 3.7351 25 3.8555 3.8406 3.8240 3.8055 3.7848 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.0175 17 3.1252 3.0575 18 3.2317 3.1719 3.1052 19 3.3225 3.2700 3.2113 3.1458 20 3.4149 3.3683 3.3163 3.2584 3.1937 21 3.4944 3.4534 3.4077 3.3567 3.2998 22 3.5655 3.5289 3.4881 3.4426 3.3918 23 3.6437 3.6111 3.5748 3.5343 3.4891 24 3.7091 3.6802 3.6478 3.6118 3.5716 25 3.7617 3.7359 3.7072 3.6751 3.6394 21ST 22ND 23RD 24TH 25TH 21 3.2363 22 3.3351 3.2719 23 3.4386 3.3823 3.3195 24 3.5267 3.4766 3.4208 3.3584 25 3.5995 3.5549 3.5052 3.4498 3.3880 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 42 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.8581 2.8223 2.7825 2.7380 2.6883 11 2.9103 2.8798 2.8459 2.8079 2.7656 12 2.9522 2.9260 2.8969 2.8644 2.8281 13 3.0037 2.9811 2.9559 2.9279 2.8965 14 3.0550 3.0353 3.0134 2.9890 2.9617 15 3.0960 3.0790 3.0599 3.0387 3.0150 16 3.1369 3.1220 3.1052 3.0866 3.0658 17 3.1777 3.1646 3.1500 3.1336 3.1154 18 3.2284 3.2168 3.2039 3.1895 3.1734 19 3.2590 3.2488 3.2375 3.2248 3.2107 20 3.2995 3.2905 3.2804 3.2692 3.2567 21 3.3299 3.3220 3.3132 3.3033 3.2923 22 3.3703 3.3632 3.3553 3.3465 3.3367 23 3.4106 3.4043 3.3973 3.3895 3.3807 24 3.4409 3.4353 3.4291 3.4221 3.4143 25 3.4812 3.4762 3.4707 3.4645 3.4575 6TH 7TH 8TH 9TH 10TH 10 2.6330 2.5712 2.5022 2.4253 2.3395 11 2.7184 2.6657 2.6069 2.5413 2.4682 12 2.7876 2.7424 2.6920 2.6357 2.5730 13 2.8615 2.8225 2.7790 2.7304 2.6762 14 2.9313 2.8974 2.8595 2.8173 2.7702 15 2.9885 2.9590 2.9261 2.8894 2.8484 16 3.0426 3.0167 2.9878 2.9556 2.9196 17 3.0951 3.0724 3.0471 3.0189 2.9874 18 3.1555 3.1355 3.1132 3.0883 3.0605 19 3.1949 3.1773 3.1577 3.1358 3.1114 20 3.2427 3.2271 3.2098 3.1904 3.1687 21 3.2800 3.2663 3.2510 3.2340 3.2149 22 3.3257 3.3135 3.2999 3.2846 3.2676 23 3.3710 3.3601 3.3479 3.3343 3.3192 24 3.4056 3.3960 3.3851 3.3731 3.3596 25 3.4498 3.4412 3.4316 3.4209 3.4089 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 43 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.3865 12 2.5030 2.4249 13 2.6157 2.5483 2.4730 14 2.7176 2.6589 2.5935 2.5205 15 2.8026 2.7516 2.6947 2.6312 2.5603 16 2.8795 2.8347 2.7848 2.7290 2.6669 17 2.9522 2.9130 2.8693 2.8205 2.7660 18 3.0295 2.9950 2.9564 2.9133 2.8653 19 3.0841 3.0537 3.0198 2.9819 2.9397 20 3.1446 3.1176 3.0876 3.0540 3.0166 21 3.1937 3.1700 3.1435 3.1140 3.0811 22 3.2487 3.2275 3.2039 3.1776 3.1482 23 3.3023 3.2835 3.2625 3.2390 3.2129 24 3.3446 3.3279 3.3092 3.2883 3.2651 25 3.3955 3.3806 3.3640 3.3455 3.3248 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.5975 17 2.7052 2.6375 18 2.8117 2.7519 2.6852 19 2.8925 2.8400 2.7813 2.7158 20 2.9749 2.9283 2.8763 2.8184 2.7537 21 3.0444 3.0034 2.9577 2.9067 2.8498 22 3.1155 3.0789 3.0381 2.9926 2.9418 23 3.1837 3.1511 3.1148 3.0743 3.0291 24 3.2391 3.2102 3.1778 3.1418 3.1016 25 3.3017 3.2759 3.2472 3.2151 3.1794 21ST 22ND 23RD 24TH 25TH 21 2.7863 22 2.8851 2.8219 23 2.9786 2.9223 2.8595 24 3.0567 3.0066 2.9508 2.8884 25 3.1395 3.0949 3.0452 2.9898 2.9280 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 43 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.5981 2.5623 2.5225 2.4780 2.4283 11 2.6503 2.6198 2.5859 2.5479 2.5056 12 2.6922 2.6660 2.6369 2.6044 2.5681 13 2.7337 2.7111 2.6859 2.6579 2.6265 14 2.7750 2.7553 2.7334 2.7090 2.6817 15 2.8160 2.7990 2.7799 2.7587 2.7350 16 2.8569 2.8420 2.8252 2.8066 2.7858 17 2.8877 2.8746 2.8600 2.8436 2.8254 18 2.9284 2.9168 2.9039 2.8895 2.8734 19 2.9590 2.9488 2.9375 2.9248 2.9107 20 2.9995 2.9905 2.9804 2.9692 2.9567 21 3.0299 3.0220 3.0132 3.0033 2.9923 22 3.0703 3.0632 3.0553 3.0465 3.0367 23 3.1006 3.0943 3.0873 3.0795 3.0707 24 3.1309 3.1253 3.1191 3.1121 3.1043 25 3.1612 3.1562 3.1507 3.1445 3.1375 6TH 7TH 8TH 9TH 10TH 10 2.3730 2.3112 2.2422 2.1653 2.0795 11 2.4584 2.4057 2.3469 2.2813 2.2082 12 2.5276 2.4824 2.4320 2.3757 2.3130 13 2.5915 2.5525 2.5090 2.4604 2.4062 14 2.6513 2.6174 2.5795 2.5373 2.4902 15 2.7085 2.6790 2.6461 2.6094 2.5684 16 2.7626 2.7367 2.7078 2.6756 2.6396 17 2.8051 2.7824 2.7571 2.7289 2.6974 18 2.8555 2.8355 2.8132 2.7883 2.7605 19 2.8949 2.8773 2.8577 2.8358 2.8114 20 2.9427 2.9271 2.9098 2.8904 2.8687 21 2.9800 2.9663 2.9510 2.9340 2.9149 22 3.0257 3.0135 2.9999 2.9846 2.9676 23 3.0610 3.0501 3.0379 3.0243 3.0092 24 3.0956 3.0860 3.0751 3.0631 3.0496 25 3.1298 3.1212 3.1116 3.1009 3.0889 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 44 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.1265 12 2.2430 2.1649 13 2.3457 2.2783 2.2030 14 2.4376 2.3789 2.3135 2.2405 15 2.5226 2.4716 2.4147 2.3512 2.2803 16 2.5995 2.5547 2.5048 2.4490 2.3869 17 2.6622 2.6230 2.5793 2.5305 2.4760 18 2.7295 2.6950 2.6564 2.6133 2.5653 19 2.7841 2.7537 2.7198 2.6819 2.6397 20 2.8446 2.8176 2.7876 2.7540 2.7166 21 2.8937 2.8700 2.8435 2.8140 2.7811 22 2.9487 2.9275 2.9039 2.8776 2.8482 23 2.9923 2.9735 2.9525 2.9290 2.9029 24 3.0346 3.0179 2.9992 2.9783 2.9551 25 3.0755 3.0606 3.0440 3.0255 3.0048 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.3175 17 2.4152 2.3475 18 2.5117 2.4519 2.3852 19 2.5925 2.5400 2.4813 2.4158 20 2.6749 2.6283 2.5763 2.5184 2.4537 21 2.7444 2.7034 2.6577 2.6067 2.5498 22 2.8155 2.7789 2.7381 2.6926 2.6418 23 2.8737 2.8411 2.8048 2.7643 2.7191 24 2.9291 2.9002 2.8678 2.8318 2.7916 25 2.9817 2.9559 2.9272 2.8951 2.8594 21ST 22ND 23RD 24TH 25TH 21 2.4863 22 2.5851 2.5219 23 2.6686 2.6123 2.5495 24 2.7467 2.6966 2.6408 2.5784 25 2.8195 2.7749 2.7252 2.6698 2.6080 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 44 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.2081 2.1723 2.1325 2.0880 2.0383 11 2.2503 2.2198 2.1859 2.1479 2.1056 12 2.2822 2.2560 2.2269 2.1944 2.1581 13 2.3137 2.2911 2.2659 2.2379 2.2065 14 2.3550 2.3353 2.3134 2.2890 2.2617 15 2.3860 2.3690 2.3499 2.3287 2.3050 16 2.4269 2.4120 2.3952 2.3766 2.3558 17 2.4477 2.4346 2.4200 2.4036 2.3854 18 2.4884 2.4768 2.4639 2.4495 2.4334 19 2.5090 2.4988 2.4875 2.4748 2.4607 20 2.5395 2.5305 2.5204 2.5092 2.4967 21 2.5599 2.5520 2.5432 2.5333 2.5223 22 2.5903 2.5832 2.5753 2.5665 2.5567 23 2.6206 2.6143 2.6073 2.5995 2.5907 24 2.6409 2.6353 2.6291 2.6221 2.6143 25 2.6712 2.6662 2.6607 2.6545 2.6475 6TH 7TH 8TH 9TH 10TH 10 1.9830 1.9212 1.8522 1.7753 1.6895 11 2.0584 2.0057 1.9469 1.8813 1.8082 12 2.1176 2.0724 2.0220 1.9657 1.9030 13 2.1715 2.1325 2.0890 2.0404 1.9862 14 2.2313 2.1974 2.1595 2.1173 2.0702 15 2.2785 2.2490 2.2161 2.1794 2.1384 16 2.3326 2.3067 2.2778 2.2456 2.2096 17 2.3651 2.3424 2.3171 2.2889 2.2574 18 2.4155 2.3955 2.3732 2.3483 2.3205 19 2.4449 2.4273 2.4077 2.3858 2.3614 20 2.4827 2.4671 2.4498 2.4304 2.4087 21 2.5100 2.4963 2.4810 2.4640 2.4449 22 2.5457 2.5335 2.5199 2.5046 2.4876 23 2.5810 2.5701 2.5579 2.5443 2.5292 24 2.6056 2.5960 2.5851 2.5731 2.5596 25 2.6398 2.6312 2.6216 2.6109 2.5989 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 45 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 1.7265 12 1.8330 1.7549 13 1.9257 1.8583 1.7830 14 2.0176 1.9589 1.8935 1.8205 15 2.0926 2.0416 1.9847 1.9212 1.8503 16 2.1695 2.1247 2.0748 2.0190 1.9569 17 2.2222 2.1830 2.1393 2.0905 2.0360 18 2.2895 2.2550 2.2164 2.1733 2.1253 19 2.3341 2.3037 2.2698 2.2319 2.1897 20 2.3846 2.3576 2.3276 2.2940 2.2566 21 2.4237 2.4000 2.3735 2.3440 2.3111 22 2.4687 2.4475 2.4239 2.3976 2.3682 23 2.5123 2.4935 2.4725 2.4490 2.4229 24 2.5446 2.5279 2.5092 2.4883 2.4651 25 2.5855 2.5706 2.5540 2.5355 2.5148 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 1.8875 17 1.9752 1.9075 18 2.0717 2.0119 1.9452 19 2.1425 2.0900 2.0313 1.9658 20 2.2149 2.1683 2.1163 2.0584 1.9937 21 2.2744 2.2334 2.1877 2.1367 2.0798 22 2.3355 2.2989 2.2581 2.2126 2.1618 23 2.3937 2.3611 2.3248 2.2843 2.2391 24 2.4391 2.4102 2.3778 2.3418 2.3016 25 2.4917 2.4659 2.4372 2.4051 2.3694 21ST 22ND 23RD 24TH 25TH 21 2.0163 22 2.1051 2.0419 23 2.1886 2.1323 2.0695 24 2.2567 2.2066 2.1508 2.0884 25 2.3295 2.2849 2.2352 2.1798 2.1180 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 45 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.8585 5.8237 5.7846 5.7408 5.6917 11 5.9507 5.9211 5.8879 5.8506 5.8089 12 6.0325 6.0072 5.9788 5.9469 5.9112 13 6.1141 6.0923 6.0679 6.0405 6.0099 14 6.1953 6.1764 6.1552 6.1315 6.1049 15 6.2764 6.2600 6.2416 6.2210 6.1978 16 6.3572 6.3430 6.3269 6.3090 6.2888 17 6.4280 6.4155 6.4015 6.3858 6.3681 18 6.4987 6.4877 6.4754 6.4617 6.4463 19 6.5792 6.5696 6.5588 6.5467 6.5332 20 6.6497 6.6413 6.6318 6.6212 6.6092 21 6.7102 6.7027 6.6944 6.6850 6.6745 22 6.7805 6.7739 6.7666 6.7583 6.7490 23 6.8509 6.8450 6.8385 6.8312 6.8230 24 6.9211 6.9159 6.9101 6.9036 6.8963 25 6.9814 6.9768 6.9717 6.9660 6.9595 6TH 7TH 8TH 9TH 10TH 10 5.6366 5.5749 5.5056 5.4280 5.3410 11 5.7620 5.7095 5.6507 5.5846 5.5106 12 5.8711 5.8262 5.7758 5.7194 5.6560 13 5.9754 5.9369 5.8936 5.8451 5.7907 14 6.0750 6.0415 6.0040 5.9619 5.9147 15 6.1719 6.1429 6.1103 6.0738 6.0328 16 6.2662 6.2409 6.2125 6.1806 6.1449 17 6.3484 6.3262 6.3014 6.2735 6.2423 18 6.4289 6.4095 6.3878 6.3634 6.3360 19 6.5179 6.5009 6.4818 6.4603 6.4363 20 6.5959 6.5809 6.5641 6.5452 6.5241 21 6.6627 6.6495 6.6348 6.6182 6.5996 22 6.7386 6.7269 6.7138 6.6991 6.6826 23 6.8138 6.8036 6.7920 6.7791 6.7645 24 6.8881 6.8789 6.8686 6.8570 6.8441 25 6.9523 6.9442 6.9351 6.9250 6.9136 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 46 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.4276 12 5.5850 5.5054 13 5.7298 5.6614 5.5848 14 5.8618 5.8025 5.7360 5.6614 15 5.9869 5.9354 5.8776 5.8129 5.7403 16 6.1049 6.0600 6.0096 5.9532 5.8899 17 6.2072 6.1680 6.1239 6.0745 6.0192 18 6.3054 6.2710 6.2324 6.1892 6.1407 19 6.4093 6.3791 6.3452 6.3072 6.2646 20 6.5004 6.4738 6.4441 6.4107 6.3732 21 6.5787 6.5553 6.5291 6.4997 6.4667 22 6.6642 6.6435 6.6203 6.5943 6.5651 23 6.7483 6.7300 6.7095 6.6866 6.6609 24 6.8295 6.8132 6.7949 6.7745 6.7515 25 6.9008 6.8864 6.8704 6.8523 6.8321 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.8189 17 5.9571 5.8875 18 6.0864 6.0254 5.9571 19 6.2168 6.1632 6.1031 6.0358 20 6.3312 6.2842 6.2314 6.1722 6.1058 21 6.4298 6.3883 6.3418 6.2897 6.2313 22 6.5324 6.4957 6.4546 6.4084 6.3567 23 6.6320 6.5997 6.5634 6.5227 6.4771 24 6.7257 6.6968 6.6645 6.6281 6.5874 25 6.8094 6.7840 6.7555 6.7236 6.6877 21ST 22ND 23RD 24TH 25TH 21 6.1658 22 6.2988 6.2338 23 6.4260 6.3687 6.3044 24 6.5418 6.4906 6.4332 6.3688 25 6.6476 6.6025 6.5520 6.4954 6.4319 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 46 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.4985 4.4637 4.4246 4.3808 4.3317 11 4.5807 4.5511 4.5179 4.4806 4.4389 12 4.6525 4.6272 4.5968 4.5669 4.5312 13 4.7141 4.6923 4.6679 4.6405 4.6099 14 4.7953 4.7764 4.7552 4.7315 4.7049 15 4.8664 4.8500 4.8316 4.8110 4.7878 16 4.9372 4.9230 4.9069 4.8890 4.8688 17 4.9900 4.9855 4.9715 4.9558 4.9381 18 5.0507 5.0477 5.0354 5.0217 5.0063 19 5.1292 5.1196 5.1088 5.0967 5.0832 20 5.1897 5.1813 5.1718 5.1612 5.1492 21 5.2402 5.2327 5.2244 5.2150 5.2045 22 5.3005 5.2939 5.2866 5.2783 5.2690 23 5.3609 5.3550 5.3485 5.3412 5.3330 24 5.4211 5.4159 5.4101 5.4036 5.3963 25 5.4714 5.4668 5.4617 5.4560 5.4495 6TH 7TH 8TH 9TH 10TH 10 4.2766 4.2149 4.1456 4.0680 3.9810 11 4.3920 4.3395 4.2807 4.2146 4.1406 12 4.4911 4.4462 4.3958 4.3394 4.2760 13 4.5754 4.5369 4.4936 4.4451 4.3907 14 4.6750 4.6415 4.6040 4.5619 4.5147 15 4.7619 4.7329 4.7003 4.6638 4.6228 16 4.8462 4.8209 4.7925 4.7606 4.7249 17 4.9184 4.8962 4.8714 4.8435 4.8123 18 4.9889 4.9695 4.9478 4.9234 4.8960 19 5.0679 5.0509 5.0318 5.0103 4.9863 20 5.1359 5.1209 5.1041 5.0852 5.0641 21 5.1927 5.1795 5.1648 5.1482 5.1296 22 5.2586 5.2469 5.2338 5.2191 5.2026 23 5.3238 5.3136 5.3020 5.2891 5.2745 24 5.3881 5.3789 5.3686 5.3570 5.3441 25 5.4423 5.4342 5.4251 5.4150 5.4036 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 47 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.0576 12 4.2050 4.1254 13 4.3298 4.2614 4.1848 14 4.4618 4.4025 4.3360 4.2614 15 4.5769 4.5254 4.4676 4.4029 4.3303 16 4.6849 4.6400 4.5896 4.5332 4.4699 17 4.7772 4.7380 4.6939 4.6445 4.5892 18 4.8654 4.8310 4.7924 4.7492 4.7007 19 4.9593 4.9291 4.8952 4.8572 4.8146 20 5.0404 5.0138 4.9841 4.9507 4.9132 21 5.1087 5.0853 5.0591 5.0297 4.9967 22 5.1842 5.1635 5.1403 5.1143 5.0851 23 5.2583 5.2400 5.2195 5.1966 5.1709 24 5.3295 5.3132 5.2949 5.2745 5.2515 25 5.3908 5.3764 5.3604 5.3423 5.3221 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.3989 17 4.5271 4.4575 18 4.6464 4.5854 4.5171 19 4.7668 4.7132 4.6531 4.5858 20 4.8712 4.8242 4.7714 4.7122 4.6458 21 4.9598 4.9183 4.8718 4.8197 4.7613 22 5.0524 5.0157 4.9746 4.9284 4.8767 23 5.1420 5.1097 5.0734 5.0327 4.9871 24 5.2257 5.1968 5.1645 5.1281 5.0874 25 5.2994 5.2740 5.2455 5.2136 5.1777 21ST 22ND 23RD 24TH 25TH 21 4.6958 22 4.8188 4.7538 23 4.9360 4.8787 4.8144 24 5.0418 4.9906 4.9332 4.8688 25 5.1376 5.0925 5.0420 4.9854 4.9219 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 47 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.1385 4.1037 4.0646 4.0208 3.9717 11 4.2107 4.1811 4.1479 4.1106 4.0689 12 4.2825 4.2572 4.2288 4.1969 4.1612 13 4.3441 4.3223 4.2979 4.2705 4.2399 14 4.4153 4.3964 4.3752 4.3515 4.3249 15 4.4864 4.4700 4.4516 4.4310 4.4078 16 4.5472 4.5330 4.5169 4.4990 4.4788 17 4.6080 4.5955 4.5815 4.5658 4.5481 18 4.6687 4.6577 4.6454 4.6317 4.6163 19 4.7292 4.7196 4.7088 4.6967 4.6832 20 4.7797 4.7713 4.7618 4.7512 4.7392 21 4.8402 4.8327 4.8244 4.8150 4.8045 22 4.8905 4.8839 4.8766 4.8683 4.8590 23 4.9409 4.9350 4.9285 4.9212 4.9130 24 5.0011 4.9959 4.9901 4.9836 4.9763 25 5.0414 5.0368 5.0317 5.0260 5.0195 6TH 7TH 8TH 9TH 10TH 10 3.9166 3.8549 3.7856 3.7080 3.6210 11 4.0220 3.9695 3.9107 3.8446 3.7706 12 4.1211 4.0762 4.0258 3.9694 3.9060 13 4.2054 4.1669 4.1236 4.0751 4.0207 14 4.2950 4.2615 4.2240 4.1819 4.1347 15 4.3819 4.3529 4.3203 4.2838 4.2428 16 4.4562 4.4309 4.4025 4.3706 4.3349 17 4.5284 4.5062 4.4814 4.4535 4.4223 18 4.5989 4.5795 4.5578 4.5334 4.5060 19 4.6679 4.6509 4.6318 4.6103 4.5863 20 4.7259 4.7109 4.6941 4.6752 4.6541 21 4.7927 4.7795 4.7648 4.7482 4.7296 22 4.8486 4.8369 4.8238 4.8091 4.7926 23 4.9038 4.8936 4.8820 4.8691 4.8545 24 4.9681 4.9589 4.9486 4.9370 4.9241 25 5.0123 5.0042 4.9951 4.9850 4.9736 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 48 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.6876 12 3.8350 3.7554 13 3.9598 3.8914 3.8148 14 4.0818 4.0225 3.9560 3.8814 15 4.1969 4.1454 4.0876 4.0229 3.9503 16 4.2949 4.2500 4.1996 4.1432 4.0799 17 4.3872 4.3480 4.3039 4.2545 4.1992 18 4.4754 4.4410 4.4024 4.3592 4.3107 19 4.5593 4.5291 4.4952 4.4572 4.4146 20 4.6304 4.6038 4.5741 4.5407 4.5032 21 4.7087 4.6853 4.6591 4.6297 4.5967 22 4.7742 4.7535 4.7303 4.7043 4.6751 23 4.8383 4.8200 4.7995 4.7766 4.7509 24 4.9095 4.8932 4.8749 4.8545 4.8315 25 4.9608 4.9464 4.9304 4.9123 4.8921 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.0089 17 4.1371 4.0675 18 4.2564 4.1954 4.1271 19 4.3668 4.3132 4.2531 4.1858 20 4.4612 4.4142 4.3614 4.3022 4.2358 21 4.5598 4.5183 4.4718 4.4197 4.3613 22 4.6424 4.6057 4.5646 4.5184 4.4667 23 4.7220 4.6897 4.6534 4.6127 4.5671 24 4.8057 4.7768 4.7445 4.7081 4.6674 25 4.8694 4.8440 4.8155 4.7836 4.7477 21ST 22ND 23RD 24TH 25TH 21 4.2958 22 4.4088 4.3438 23 4.5160 4.4587 4.3944 24 4.6218 4.5706 4.5132 4.4488 25 4.7076 4.6625 4.6120 4.5554 4.4919 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 48 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.0185 3.9837 3.9446 3.9008 3.8517 11 4.0907 4.0611 4.0279 3.9906 3.9489 12 4.1625 4.1372 4.1088 4.0769 4.0412 13 4.2141 4.1923 4.1679 4.1405 4.1099 14 4.2953 4.2764 4.2552 4.2315 4.2049 15 4.3564 4.3400 4.3216 4.3010 4.2778 16 4.4172 4.4030 4.3869 4.3690 4.3488 17 4.4780 4.4655 4.4515 4.4358 4.4181 18 4.5287 4.5177 4.5054 4.4917 4.4763 19 4.5892 4.5796 4.5688 4.5567 4.5432 20 4.6497 4.6413 4.6318 4.6212 4.6092 21 4.7002 4.6927 4.6844 4.6750 4.6645 22 4.7505 4.7439 4.7366 4.7283 4.7190 23 4.8009 4.7950 4.7885 4.7812 4.7730 24 4.8611 4.8559 4.8501 4.8436 4.8363 25 4.9014 4.8968 4.8917 4.8860 4.8795 6TH 7TH 8TH 9TH 10TH 10 3.7966 3.7349 3.6656 3.5880 3.5010 11 3.9020 3.8495 3.7907 3.7246 3.6506 12 4.0011 3.9562 3.9058 3.8494 3.7860 13 4.0754 4.0369 3.9936 3.9451 3.8907 14 4.1750 4.1415 4.1040 4.0619 4.0147 15 4.2519 4.2229 4.1903 4.1538 4.1128 16 4.3262 4.3009 4.2725 4.2406 4.2049 17 4.3984 4.3762 4.3514 4.3235 4.2923 18 4.4589 4.4395 4.4178 4.3934 4.3660 19 4.5279 4.5109 4.4918 4.4703 4.4463 20 4.5959 4.5809 4.5641 4.5452 4.5241 21 4.6527 4.6395 4.6248 4.6082 4.5896 22 4.7086 4.6969 4.6838 4.6691 4.6526 23 4.7638 4.7536 4.7420 4.7291 4.7145 24 4.8281 4.8189 4.8086 4.7970 4.7841 25 4.8723 4.8642 4.8551 4.8450 4.8336 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 49 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.5676 12 3.7150 3.6354 13 3.8298 3.7614 3.6848 14 3.9618 3.9025 3.8360 3.7614 15 4.0669 4.0154 3.9576 3.8929 3.8203 16 4.1649 4.1200 4.0696 4.0132 3.9499 17 4.2572 4.2180 4.1739 4.1245 4.0692 18 4.3354 4.3010 4.2624 4.2192 4.1707 19 4.4193 4.3891 4.3552 4.3172 4.2746 20 4.5004 4.4738 4.4441 4.4107 4.3732 21 4.5687 4.5453 4.5191 4.4897 4.4567 22 4.6342 4.6135 4.5903 4.5643 4.5351 23 4.6983 4.6800 4.6595 4.6366 4.6109 24 4.7695 4.7532 4.7349 4.7145 4.6915 25 4.8208 4.8064 4.7904 4.7723 4.7521 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.8789 17 4.0071 3.9375 18 4.1164 4.0554 3.9871 19 4.2268 4.1732 4.1131 4.0458 20 4.3312 4.2842 4.2314 4.1722 4.1058 21 4.4198 4.3783 4.3318 4.2797 4.2213 22 4.5024 4.4657 4.4246 4.3784 4.3267 23 4.5820 4.5497 4.5134 4.4727 4.4271 24 4.6657 4.6368 4.6045 4.5681 4.5274 25 4.7294 4.7040 4.6755 4.6436 4.6077 21ST 22ND 23RD 24TH 25TH 21 4.1558 22 4.2688 4.2038 23 4.3760 4.3187 4.2544 24 4.4818 4.4306 4.3732 4.3088 25 4.5676 4.5225 4.4720 4.4154 4.3519 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 49 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.7685 3.7337 3.6946 3.6508 3.6017 11 3.8407 3.8111 3.7779 3.7406 3.6989 12 3.9025 3.8772 3.8488 3.8169 3.7812 13 3.9641 3.9423 3.9179 3.8905 3.8599 14 4.0353 4.0164 3.9952 3.9715 3.9449 15 4.0864 4.0700 4.0516 4.0310 4.0078 16 4.1472 4.1330 4.1169 4.0990 4.0788 17 4.2080 4.1955 4.1815 4.1658 4.1481 la 4.2587 4.2477 4.2354 4.2217 4.2063 19 4.3192 4.3096 4.2988 4.2867 4.2732 20 4.3697 4.3613 4.3518 4.3412 4.3292 21 4.4202 4.4127 4.4044 4.3950 4.3845 22 4.4705 4.4639 4.4566 4.4483 4.4390 23 4.5109 4.5050 4.4985 4.4912 4.4830 24 4.5611 4.5559 4.5501 4.5436 4.5363 25 4.6014 4.5968 4.5917 4.5860 4.5795 6TH 7TH 8TH 9TH 10TH 10 3.5466 3.4849 3.4156 3.3380 3.2510 11 3.6520 3.5995 3.5407 3.4746 3.4006 12 3.7411 3.6962 3.6458 3.5894 3.5260 13 3.8254 3.7869 3.7436 3.6951 3.6407 14 3.9150 3.8815 3.8440 3.8019 3.7547 15 3.9819 3.9529 3.9203 3.8838 3.8428 16 4.0562 4.0309 4.0025 3.9706 3.9349 17 4.1284 4.1062 4.0814 4.0535 4.0223 la 4.1889 4.1695 4.1478 4.1234 4.0960 19 4.2579 4.2409 4.2218 4.2003 4.1763 20 4.3159 4.3009 4.2841 4.2652 4.2441 21 4.3727 4.3595 4.3448 4.3282 4.3096 22 4.4286 4.4169 4.4038 4.3891 4.3726 23 4.4738 4.4636 4.4520 4.4391 4.4245 24 4.5281 4.5189 4.5086 4.4970 4.4841 25 4.5723 4.5642 4.5551 4.5450 4.5336 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 50 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.3176 12 3.4550 3.3754 13 3.5798 3.5114 3.4348 14 3.7018 3.6425 3.5760 3.5014 15 3.7969 3.7454 3.6876 3.6229 3.5503 16 3.8949 3.8500 3.7996 3.7432 3.6799 17 3.9872 3.9480 3.9039 3.8545 3.7992 18 4.0654 4.0310 3.9924 3.9492 3.9007 19 4.1493 4.1191 4.0852 4.0472 4.0046 20 4.2204 4.1938 4.1641 4.1307 4.0932 21 4.2887 4.2653 4.2391 4.2097 4.1767 22 4.3542 4.3335 4.3103 4.2843 4.2551 23 4.4083 4.3900 4.3695 4.3466 4.3209 24 4.4695 4.4532 4.4349 4.4145 4.3915 25 4.5208 4.5064 4.4904 4.4723 4.4521 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.6089 17 3.7371 3.6675 18 3.8464 3.7854 3.7171 19 3.9568 3.9032 3.8431 3.7758 20 4.0512 4.0042 3.9514 3.8922 3.8258 21 4.1398 4.0983 4.0518 3.9997 3.9413 22 4.2224 4.1857 4.1446 4.0984 4.0467 23 4.2920 4.2597 4.2234 4.1827 4.1371 24 4.3657 4.3368 4.3045 4.2681 4.2274 25 4.4294 4.4040 4.3755 4.3436 4.3077 21ST 22ND 23RD 24TH 25TH 21 3.8758 22 3.9888 3.9238 23 4.0860 4.0287 3.9644 24 4.1818 4.1306 4.0732 4.0088 25 4.2676 4.2225 4.1720 4.1154 4.0519 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 50 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.5185 3.4837 3.4446 3.4008 3.3517 11 3.5907 3.5611 3.5279 3.4906 3.4489 12 3.6525 3.6272 3.5988 3.5669 3.5312 13 3.7041 3.6823 3.6579 3.6305 3.5999 14 3.7653 3.7464 3.7252 3.7015 3.6749 15 3.8264 3.8100 3.7916 3.7710 3.7478 16 3.8772 3.8630 3.8469 3.8290 3.8088 17 3.9280 3.9155 3.9015 3.8858 3.8681 18 3.9787 3.9677 3.9554 3.9417 3.9263 19 4.0292 4.0196 4.0088 3.9967 3.9832 20 4.0797 4.0713 4.0618 4.0512 4.0392 21 4.1302 4.1227 4.1144 4.1050 4.0945 22 4.1705 4.1639 4.1566 4.1483 4.1390 23 4.2209 4.2150 4.2085 4.2012 4.1930 24 4.2711 4.2659 4.2601 4.2536 4.2463 25 4.3014 4.2968 4.2917 4.2860 4.2795 6TH 7TH 8TH 9TH 10TH 10 3.2966 3.2349 3.1656 3.0880 3.0010 11 3.4020 3.3495 3.2907 3.2246 3.1506 12 3.4911 3.4462 3.3958 3.3394 3.2760 13 3.5654 3.5269 3.4836 3.4351 3.3807 14 3.6450 3.6115 3.5740 3.5319 3.4847 15 3.7219 3.6929 3.6603 3.6238 3.5828 16 3.7862 3.7609 3.7325 3.7006 3.6649 17 3.8484 3.8262 3.8014 3.7735 3.7423 18 3.9089 3.8895 3.8678 3.8434 3.8160 19 3.9679 3.9509 3.9318 3.9103 3.8863 20 4.0259 4.0109 3.9941 3.9752 3.9541 21 4.0827 4.0695 4.0548 4.0382 4.0196 22 4.1286 4.1169 4.1038 4.0891 4.0726 23 4.1838 4.1736 4.1620 4.1491 4.1345 24 4.2381 4.2289 4.2186 4.2070 4.1941 25 4.2723 4.2642 4.2551 4.2450 4.2336 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 51 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.0676 12 3.2050 3.1254 13 3.3198 3.2514 3.1748 14 3.4318 3.3725 3.3060 3.2314 15 3.5369 3.4854 3.4276 3.3629 3.2903 16 3.6249 3.5800 3.5296 3.4732 3.4099 17 3.7072 3.6680 3.6239 3.5745 3.5192 18 3.7854 3.7510 3.7124 3.6692 3.6207 19 3.8593 3.8291 3.7952 3.7572 3.7146 20 3.9304 3.9038 3.8741 3.8407 3.8032 21 3.9987 3.9753 3.9491 3.9197 3.8867 22 4.0542 4.0335 4.0103 3.9843 3.9551 23 4.1183 4.1000 4.0795 4.0566 4.0309 24 4.1795 4.1632 4.1449 4.1245 4.1015 25 4.2208 4.2064 4.1904 4.1723 4.1521 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.3389 17 3.4571 3.3875 18 3.5664 3.5054 3.4371 19 3.6668 3.6132 3.5531 3.4858 20 3.7612 3.7142 3.6614 3.6022 3.5358 21 3.8498 3.8083 3.7618 3.7097 3.6513 22 3.9224 3.8857 3.8446 3.7984 3.7467 23 4.0020 3.9697 3.9334 3.8927 3.8471 24 4.0757 4.0468 4.0145 3.9781 3.9374 25 4.1294 4.1040 4.0755 4.0436 4.0077 21ST 22ND 23RD 24TH 25TH 21 3.5858 22 3.6888 3.6238 23 3.7960 3.7387 3.6744 24 3.8918 3.8406 3.7832 3.7188 25 3.9676 3.9225 3.8720 3.8154 3.7519 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 51 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.1385 3.1037 3.0646 3.0208 2.9717 11 3.2007 3.1711 3.1379 3.1006 3.0589 12 3.2525 3.2272 3.1988 3.1669 3.1312 13 3.3041 3.2823 3.2579 3.2305 3.1999 14 3.3653 3.3464 3.3252 3.3015 3.2749 15 3.4164 3.4000 3.3816 3.3610 3.3378 16 3.4572 3.4430 3.4269 3.4090 3.3888 17 3.5080 3.4955 3.4815 3.4658 3.4481 18 3.5587 3.5477 3.5354 3.5217 3.5063 19 3.5992 3.5896 3.5788 3.5667 3.5532 20 3.6397 3.6313 3.6218 3.6112 3.5992 21 3.6802 3.6727 3.6644 3.6550 3.6445 22 3.7205 3.7139 3.7066 3.6983 3.6890 23 3.7609 3.7550 3.7485 3.7412 3.7330 24 3.8011 3.7959 3.7901 3.7836 3.7763 25 3.8414 3.8368 3.8317 3.8260 3.8195 6TH 7TH 8TH 9TH 10TH 10 2.9166 2.8549 2.7856 2.7080 2.6210 11 3.0120 2.9595 2.9007 2.8346 2.7606 12 3.0911 3.0462 2.9958 2.9394 2.8760 13 3.1654 3.1269 3.0836 3.0351 2.9807 14 3.2450 3.2115 3.1740 3.1319 3.0847 15 3.3119 3.2829 3.2503 3.2138 3.1728 16 3.3662 3.3409 3.3125 3.2006 3.2449 17 3.4284 3.4062 3.3814 3.3535 3.3223 18 3.4889 3.4695 3.4478 3.4234 3.3960 19 3.5379 3.5209 3.5018 3.4803 3.4563 20 3.5859 3.5709 3.5541 3.5352 3.5141 21 3.6327 3.6195 3.6048 3.5882 3.5696 22 3.6786 3.6669 3.6538 3.6391 3.6226 23 3.7238 3.7136 3.7020 3.6891 3.6745 24 3.7681 3.7589 3.7486 3.7370 3.7241 25 3.8123 3.8042 3.7951 3.7850 3.7736 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 52 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.6776 12 2.8050 2.7254 13 2.9198 2.8514 2.7748 14 3.0318 2.9725 2.9060 2.8314 15 3.1269 3.0754 3.0176 2.9529 2.8803 16 3.2049 3.1600 3.1096 3.0532 2.9899 17 3.2872 3.2480 3.2039 3.1545 3.0992 la 3.3654 3.3310 3.2924 3.2492 3.2007 19 3.4293 3.3991 3.3652 3.3272 3.2846 20 3.4904 3.4638 3.4341 3.4007 3.3632 21 3.5487 3.5253 3.4991 3.4697 3.4367 22 3.6042 3.5835 3.5603 3.5343 3.5051 23 3.6583 3.6400 3.6195 3.5966 3.5709 24 3.7095 3.6932 3.6749 3.6545 3.6315 25 3.7608 3.7464 3.7304 3.7123 3.6921 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.9189 17 3.0371 2.9675 la 3.1464 3.0854 3.0171 19 3.2368 3.1832 3.1231 3.0558 20 3.3212 3.2742 3.2214 3.1622 3.0958 21 3.3998 3.3583 3.3118 3.2597 3.2013 22 3.4724 3.4357 3.3946 3.3484 3.2967 23 3.5420 3.5097 3.4734 3.4327 3.3871 24 3.6057 3.5768 3.5445 3.5081 3.4674 25 3.6694 3.6440 3.6155 3.5836 3.5477 21ST 22ND 23RD 24TH 25TH 21 3.1358 22 3.2388 3.1738 23 3.3360 3.2787 3.2144 24 3.4218 3.3706 3.3132 3.2488 25 3.5076 3.4625 3.4120 3.3554 3.2919 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 52 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.8785 2.8437 2.8046 2.7608 2.7117 11 2.9407 2.9111 2.8779 2.8406 2.7989 12 2.9925 2.9672 2.9388 2.9069 2.8712 13 3.0341 3.0123 2.9879 2.9605 2.9299 14 3.0853 3.0664 3.0452 3.0215 2.9949 15 3.1364 3.1200 3.1016 3.0810 3.0578 16 3.1772 3.1630 3.1469 3.1290 3.1088 17 3.2180 3.2055 3.1915 3.1758 3.1581 18 3.2587 3.2477 3.2354 3.2217 3.2063 19 3.2992 3.2896 3.2788 3.2667 3.2532 20 3.3397 3.3313 3.3218 3.3112 3.2992 21 3.3802 3.3727 3.3644 3.3550 3.3445 22 3.4205 3.4139 3.4066 3.3983 3.3890 23 3.4509 3.4450 3.4385 3.4312 3.4230 24 3.4911 3.4859 3.4801 3.4736 3.4663 25 3.5214 3.5168 3.5117 3.5060 3.4995 6TH 7TH 8TH 9TH 10TH 10 2.6566 2.5949 2.5256 2.4480 2.3610 11 2.7520 2.6995 2.6407 2.5746 2.5006 12 2.8311 2.7862 2.7358 2.6794 2.6160 13 2.8954 2.8569 2.8136 2.7651 2.7107 14 2.9650 2.9315 2.8940 2.8519 2.8047 15 3.0319 3.0029 2.9703 2.9338 2.8928 16 3.0862 3.0609 3.0325 3.0006 2.9649 17 3.1384 3.1162 3.0914 3.0635 3.0323 18 3.1889 3.1695 3.1478 3.1234 3.0960 19 3.2379 3.2209 3.2018 3.1803 3.1563 20 3.2859 3.2709 3.2541 3.2352 3.2141 21 3.3327 3.3195 3.3048 3.2882 3.2696 22 3.3786 3.3669 3.3538 3.3391 3.3226 23 3.4138 3.4036 3.3920 3.3791 3.3645 24 3.4581 3.4489 3.4386 3.4270 3.4141 25 3.4923 3.4842 3.4751 3.4650 3.4536 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 53 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.4176 12 2.5450 2.4654 13 2.6498 2.5814 2.5048 14 2.7518 2.6925 2.6260 2.5514 15 2.8469 2.7954 2.7376 2.6729 2.6003 16 2.9249 2.8800 2.8296 2.7732 2.7099 17 2.9972 2.9580 2.9139 2.8645 2.8092 18 3.0654 3.0310 2.9924 2.9492 2.9007 19 3.1293 3.0991 3.0652 3.0272 2.9846 20 3.1904 3.1638 3.1341 3.1007 3.0632 21 3.2487 3.2253 3.1991 3.1697 3.1367 22 3.3042 3.2835 3.2603 3.2343 3.2051 23 3.3483 3.3300 3.3095 3.2866 3.2609 24 3.3995 3.3832 3.3649 3.3445 3.3215 25 3.4408 3.4264 3.4104 3.3923 3.3721 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.6389 17 2.7471 2.6775 18 2.8464 2.7854 2.7171 19 2.9368 2.8832 2.8231 2.7558 20 3.0212 2.9742 2.9214 2.8622 2.7958 21 3.0998 3.0583 3.0118 2.9597 2.9013 22 3.1724 3.1357 3.0946 3.0484 2.9967 23 3.2320 3.1997 3.1634 3.1227 3.0771 24 3.2957 3.2668 3.2345 3.1981 3.1574 25 3.3494 3.3240 3.2955 3.2636 3.2277 21ST 22ND 23RD 24TH 25TH 21 2.8358 22 2.9388 2.8738 23 3.0260 2.9687 2.9044 24 3.1118 3.0606 3.0032 2.9388 25 3.1876 3.1425 3.0920 3.0354 2.9719 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 53 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.4885 2.4537 2.4146 2.3708 2.3217 11 2.5407 2.5111 2.4779 2.4406 2.3989 12 2.5825 2.5572 2.5288 2.4969 2.4612 13 2.6141 2.5923 2.5679 2.5405 2.5099 14 2.6653 2.6464 2.6252 2.6015 2.5749 15 2.7064 2.6900 2.6716 2.6510 2.6278 16 2.7472 2.7330 2.7169 2.6990 2.6788 17 2.7780 2.7655 2.7515 2.7358 2.7181 18 2.8187 2.8077 2.7954 2.7817 2.7663 19 2.8492 2.8396 2.8288 2.8167 2.8032 20 2.8797 2.8713 2.8618 2.8512 2.8392 21 2.9102 2.9027 2.8944 2.8850 2.8745 22 2.9405 2.9339 2.9266 2.9183 2.9090 23 2.9709 2.9650 2.9585 2.9512 2.9430 24 3.0011 2.9959 2.9901 2.9836 2.9763 25 3.0314 3.0268 3.0217 3.0160 3.0095 6TH 7TH 8TH 9TH 10TH 10 2.2666 2.2049 2.1356 2.0580 1.9710 11 2.3520 2.2995 2.2407 2.1746 2.1006 12 2.4211 2.3762 2.3258 2.2694 2.2060 13 2.4754 2.4369 2.3936 2.3451 2.2907 14 2.5450 2.5115 2.4740 2.4319 2.3847 15 2.6019 2.5729 2.5403 2.5038 2.4628 16 2.6562 2.6309 2.6025 2.5706 2.5349 17 2.6984 2.6762 2.6514 2.6235 2.5923 18 2.7489 2.7295 2.7078 2.6834 2.6560 19 2.7879 2.7709 2.7518 2.7303 2.7063 20 2.8259 2.8109 2.7941 2.7752 2.7541 21 2.8627 2.8495 2.8348 2.8182 2.7996 22 2.8986 2.8869 2.8738 2.8591 2.8426 23 2.9338 2.9236 2.9120 2.8991 2.8845 24 2.9681 2.9589 2.9486 2.9370 2.9241 25 3.0023 2.9942 2.9851 2.9750 2.9636 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 54 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 11.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.0176 12 2.1350 2.0554 13 2.2298 2.1614 2.0848 14 2.3318 2.2725 2.2060 2.1314 15 2.4169 2.3654 2.3076 2.2429 2.1703 16 2.4949 2.4500 2.3996 2.3432 2.2799 17 2.5572 2.5180 2.4739 2.4245 2.3692 18 2.6254 2.5910 2.5524 2.5092 2.4607 19 2.6793 2.6491 2.6152 2.5772 2.5346 20 2.7304 2.7038 2.6741 2.6407 2.6032 21 2.7787 2.7553 2.7291 2.6997 2.6667 22 2.8242 2.8035 2.7803 2.7543 2.7251 23 2.8683 2.8500 2.8295 2.8066 2.7809 24 2.9095 2.8932 2.8749 2.8545 2.8315 25 2.9508 2.9364 2.9204 2.9023 2.8821 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.2089 17 2.3071 2.2375 18 2.4064 2.3454 2.2771 19 2.4868 2.4332 2.3731 2.3058 20 2.5612 2.5142 2.4614 2.4022 2.3358 21 2.6298 2.5883 2.5418 2.4897 2.4313 22 2.6924 2.6557 2.6146 2.5684 2.5167 23 2.7520 2.7197 2.6834 2.6427 2.5971 24 2.8057 2.7768 2.7445 2.7081 2.6674 25 2.8594 2.8340 2.8055 2.7736 2.7377 21ST 22ND 23RD 24TH 25TH 21 2.3658 22 2.4588 2.3938 23 2.5460 2.4887 2.4244 24 2.6218 2.5706 2.5132 2.4488 25 2.6976 2.6525 2.6020 2.5454 2.4819 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 54 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 6.1489 6.1149 6.0766 6.0334 5.9847 11 6.2411 6.2124 6.1799 6.1434 6.1022 12 6.3329 6.3084 6.2807 6.2495 6.2144 13 6.4244 6.4034 6.3797 6.3530 6.3229 14 6.5056 6.4875 6.4671 6.4440 6.4181 15 6.5967 6.5809 6.5632 6.5433 6.5208 16 6.6776 6.6640 6.6486 6.6314 6.6119 17 6.7583 6.7464 6.7330 6.7179 6.7009 18 6.8290 6.8186 6.8070 6.7939 6.7791 19 6.9195 6.9104 6.9002 6.8887 6.8757 20 6.9999 6.9920 6.9830 6.9729 6.9614 21 7.0604 7.0534 7.0456 7.0367 7.0268 22 7.1307 7.1246 7.1178 7.1100 7.1013 23 7.2110 7.2056 7.1996 7.1927 7.1850 24 7.2813 7.2765 7.2712 7.2651 7.2583 25 7.3515 7.3473 7.3426 7.3372 7.3312 6TH 7TH 8TH 9TH 10TH 10 5.9299 5.8681 5.7985 5.7200 5.6316 11 6.0558 6.0036 5.9447 5.8783 5.8035 12 6.1748 6.1302 6.0800 6.0233 5.9595 13 6.2890 6.2508 6.2077 6.1592 6.1045 14 6.3888 6.3559 6.3187 6.2769 6.2297 15 6.4955 6.4669 6.4347 6.3985 6.3576 16 6.5900 6.5652 6.5374 6.5060 6.4706 17 6.6818 6.6602 6.6358 6.6084 6.5775 18 6.7625 6.7437 6.7226 6.6988 6.6720 19 6.8611 6.8446 6.8260 6.8051 6.7815 20 6.9486 6.9341 6.9178 6.8994 6.8787 21 7.0156 7.0029 6.9887 6.9726 6.9545 22 7.0915 7.0804 7.0679 7.0538 7.0380 23 7.1763 7.1665 7.1555 7.1430 7.1290 24 7.2506 7.2419 7.2322 7.2212 7.2088 25 7.3244 7.3167 7.3080 7.2983 7.2873 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 55 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.7192 12 5.8876 5.8066 13 6.0429 5.9735 5.8953 14 6.1766 6.1167 6.0493 5.9733 15 6.3116 6.2597 6.2013 6.1354 6.0612 16 6.4308 6.3859 6.3353 6.2783 6.2140 17 6.5427 6.5035 6.4593 6.4095 6.3534 18 6.6417 6.6077 6.5693 6.5261 6.4773 19 6.7550 6.7250 6.6913 6.6533 6.6105 20 6.8553 6.8290 6.7993 6.7659 6.7282 21 6.9342 6.9112 6.8853 6.8562 6.8233 22 7.0201 7.0000 6.9773 6.9518 6.9230 23 7.1132 7.0954 7.0753 7.0527 7.0272 24 7.1948 7.1791 7.1613 7.1413 7.1188 25 7.2750 7.2610 7.2453 7.2276 7.2077 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 6.1416 17 6.2901 6.2189 18 6.4224 6.3605 6.2908 19 6.5622 6.5078 6.4465 6.3775 20 6.6858 6.6380 6.5841 6.5234 6.4550 21 6.7863 6.7445 6.6975 6.6445 6.5848 22 6.8905 6.8539 6.8127 6.7663 6.7140 23 6.9985 6.9662 6.9297 6.8887 6.8424 24 7.0934 7.0648 7.0326 6.9963 6.9554 25 7.1852 7.1599 7.1314 7.0992 7.0630 21ST 22ND 23RD 24TH 25TH 21 6.5176 22 6.6550 6.5886 23 6.7902 6.7315 6.6652 24 6.9093 6.8573 6.7988 6.7328 25 7.0222 6.9762 6.9244 6.8660 6.8002 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 55 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.7889 4.7549 4.7166 4.6734 4.6247 11 4.8711 4.8424 4.8099 4.7734 4.7322 12 4.9529 4.9284 4.9007 4.8695 4.8344 13 5.0244 5.0034 4.9797 4.9530 4.9229 14 5.1056 5.0875 5.0671 5.0440 5.0181 15 5.1867 5.1709 5.1532 5.1333 5.1108 16 5.2576 5.2440 5.2286 5.2114 5.1919 17 5.3283 5.3164 5.3030 5.2879 5.2709 18 5.3890 5.3786 5.3670 5.3539 5.3391 19 5.4695 5.4604 5.4502 5.4387 5.4257 20 5.5399 5.5320 5.5230 5.5129 5.5014 21 5.5904 5.5834 5.5756 5.5667 5.5568 22 5.6507 5.6446 5.6378 5.6300 5.6213 23 5.7210 5.7156 5.7096 5.7027 5.6950 24 5.7813 5.7765 5.7712 5.7651 5.7583 25 5.8415 5.8373 5.8326 5.8272 5.8212 6TH 7TH 8TH 9TH 10TH 10 4.5699 4.5081 4.4385 4.3600 4.2716 11 4.6858 4.6336 4.5747 4.5083 4.4335 12 4.7948 4.7502 4.7000 4.6433 4.5795 13 4.8890 4.8508 4.8077 4.7592 4.7045 14 4.9888 4.9559 4.9187 4.8769 4.8297 15 5.0855 5.0569 5.0247 4.9885 4.9476 16 5.1700 5.1452 5.1174 5.0860 5.0506 17 5.2518 5.2302 5.2058 5.1784 5.1475 18 5.3225 5.3037 5.2826 5.2588 5.2320 19 5.4111 5.3946 5.3760 5.3551 5.3315 20 5.4886 5.4741 5.4578 5.4394 5.4187 21 5.5456 5.5329 5.5187 5.5026 5.4845 22 5.6115 5.6004 5.5879 5.5738 5.5580 23 5.6863 5.6765 5.6655 5.6530 5.6390 24 5.7506 5.7419 5.7322 5.7212 5.7088 25 5.8144 5.8067 5.7980 5.7883 5.7773 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 56 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.3492 12 4.5076 4.4266 13 4.6429 4.5735 4.4953 14 4.7766 4.7167 4.6493 4.5733 15 4.9016 4.8497 4.7913 4.7254 4.6512 16 5.0108 4.9659 4.9153 4.8583 4.7940 17 5.1127 5.0735 5.0293 4.9795 4.9234 18 5.2017 5.1677 5.1293 5.0861 5.0373 19 5.3050 5.2750 5.2413 5.2033 5.1605 20 5.3953 5.3690 5.3393 5.3059 5.2682 21 5.4642 5.4412 5.4153 5.3862 5.3533 22 5.5401 5.5200 5.4973 5.4718 5.4430 23 5.6232 5.6054 5.5853 5.5627 5.5372 24 5.6948 5.6791 5.6613 5.6413 5.6188 25 5.7650 5.7510 5.7353 5.7176 5.6977 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.7216 17 4.8601 4.7889 18 4.9824 4.9205 4.8508 19 5.1122 5.0578 4.9965 4.9275 20 5.2258 5.1780 5.1241 5.0634 4.9950 21 5.3163 5.2745 5.2275 5.1745 5.1148 22 5.4105 5.3739 5.3327 5.2863 5.2340 23 5.5085 5.4762 5.4397 5.3987 5.3524 24 5.5934 5.5648 5.5326 5.4963 5.4554 25 5.6752 5.6499 5.6214 5.5892 5.5530 21ST 22ND 23RD 24TH 25TH 21 5.0476 22 5.1750 5.1086 23 5.3002 5.2415 5.1752 24 5.4093 5.3573 5.2988 5.2328 25 5.5122 5.4662 5.4144 5.3560 5.2902 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 56 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.4289 4.3949 4.3566 4.3134 4.2647 11 4.5011 4.4724 4.4399 4.4034 4.3622 12 4.5829 4.5584 4.5307 4.4995 4.4644 13 4.6544 4.6334 4.6097 4.5830 4.5529 14 4.7256 4.7075 4.6871 4.6640 4.6381 15 4.8067 4.7909 4.7732 4.7533 4.7308 16 4.8676 4.8540 4.8386 4.8214 4.8019 17 4.9383 4.9264 4.9130 4.8979 4.8809 18 4.9990 4.9886 4.9770 4.9639 4.9491 19 5.0695 5.0604 5.0502 5.0387 5.0257 20 5.1299 5.1220 5.1130 5.1029 5.0914 21 5.1904 5.1834 5.1756 5.1667 5.1568 22 5.2407 5.2346 5.2278 5.2200 5.2113 23 5.3010 5.2956 5.2896 5.2827 5.2750 24 5.3613 5.3565 5.3512 5.3451 5.3383 25 5.4115 5.4073 5.4026 5.3972 5.3912 6TH 7TH 8TH 9TH 10TH 10 4.2099 4.1481 4.0785 4.0000 3.9116 11 4.3158 4.2636 4.2047 4.1383 4.0635 12 4.4248 4.3802 4.3300 4.2733 4.2095 13 4.5190 4.4808 4.4377 4.3892 4.3345 14 4.6088 4.5759 4.5387 4.4969 4.4497 15 4.7055 4.6769 4.6447 4.6085 4.5676 16 4.7800 4.7552 4.7274 4.6960 4.6606 17 4.8618 4.8402 4.8158 4.7884 4.7575 18 4.9325 4.9137 4.8926 4.8688 4.8420 19 5.0111 4.9946 4.9760 4.9551 4.9315 20 5.0786 5.0641 5.0478 5.0294 5.0087 21 5.1456 5.1329 5.1187 5.1026 5.0845 22 5.2015 5.1904 5.1779 5.1638 5.1480 23 5.2663 5.2565 5.2455 5.2330 5.2190 24 5.3306 5.3219 5.3122 5.3012 5.2888 25 5.3844 5.3767 5.3680 5.3583 5.3473 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 57 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.9792 12 4.1376 4.0566 13 4.2729 4.2035 4.1253 14 4.3966 4.3367 4.2693 4.1933 15 4.5216 4.4697 4.4113 4.3454 4.2712 16 4.6208 4.5759 4.5253 4.4683 4.4040 17 4.7227 4.6835 4.6393 4.5895 4.5334 18 4.8117 4.7777 4.7393 4.6961 4.6473 19 4.9050 4.8750 4.8413 4.8033 4.7605 20 4.9853 4.9590 4.9293 4.8959 4.0582 21 5.0642 5.0412 5.0153 4.9862 4.9533 22 5.1301 5.1100 5.0873 5.0618 5.0330 23 5.2032 5.1854 5.1653 5.1427 5.1172 24 5.2748 5.2591 5.2413 5.2213 5.1988 25 5.3350 5.3210 5.3053 5.2876 5.2677 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.3316 17 4.4701 4.3989 18 4.5924 4.5305 4.4608 19 4.7122 4.6578 4.5965 4.5275 20 4.8158 4.7680 4.7141 4.6534 4.5850 21 4.9163 4.8745 4.8275 4.7745 4.7148 22 5.0005 4.9639 4.9227 4.8763 4.8240 23 5.0885 5.0562 5.0197 4.9787 4.9324 24 5.1734 5.3448 5.1126 5.0763 5.0354 25 5.2452 5.2199 5.1914 5.1592 5.1230 21ST 22ND 23RD 24TH 25TH 21 4.6476 22 4.7650 4.6986 23 4.8802 4.8215 4.7552 24 4.9893 4.9373 4.8788 4.8128 25 5.0822 5.0362 4.9844 4.9260 4.8602 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 57 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.3089 4.2749 4.2366 4.1934 4.1447 11 4.3811 4.3524 4.3199 4.2834 4.2422 12 4.4629 4.4384 4.4107 4.3795 4.3444 13 4.5244 4.5034 4.4797 4.4530 4.4229 14 4.6056 4.5875 4.5671 4.5440 4.5181 15 4.6767 4.6609 4.6432 4.6233 4.6008 16 4.7376 4.7240 4.7086 4.6914 4.6719 17 4.8083 4.7964 4.7830 4.7679 4.7509 18 4.8590 4.8486 4.8370 4.8239 4.8091 19 4.9295 4.9204 4.9102 4.8987 4.8857 20 4.9999 4.9920 4.9830 4.9729 4.9614 21 5.0504 5.0434 5.0356 5.0267 5.0168 22 5.1007 5.0946 5.0878 5.0800 5.0713 23 5.1610 5.1556 5.1496 5.1427 5.1350 24 5.2213 5.2165 5.2112 5.2051 5.1983 25 5.2715 5.2673 5.2626 5.2572 5.2512 6TH 7TH 8TH 9TH 10TH 10 4.0899 4.0281 3.9585 3.8800 3.7916 11 4.1958 4.1436 4.0847 4.0183 3.9435 12 4.3048 4.2602 4.2100 4.1533 4.0895 13 4.3890 4.3508 4.3077 4.2592 4.2045 14 4.4888 4.4559 4.4187 4.3769 4.3297 15 4.5755 4.5469 4.5147 4.4785 4.4376 16 4.6500 4.6252 4.5974 4.5660 4.5306 17 4.7318 4.7102 4.6858 4.6584 4.6275 18 4.7925 4.7737 4.7526 4.7288 4.7020 19 4.8711 4.8546 4.8360 4.8151 4.7915 20 4.9486 4.9341 4.9178 4.8994 4.8787 21 5.0056 4.9929 4.9787 4.9626 4.9445 22 5.0615 5.0504 5.0379 5.0238 5.0080 23 5.1263 5.1165 5.1055 5.0930 5.0790 24 5.1906 5.1819 5.1722 5.1612 5.1488 25 5.2444 5.2367 5.2280 5.2183 5.2073 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 58 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.8592 12 4.0176 3.9366 13 4.1429 4.0735 3.9953 14 4.2766 4.2167 4.1493 4.0733 15 4.3916 4.3397 4.2813 4.2154 4.1412 16 4.4908 4.4459 4.3953 4.3383 4.2740 17 4.5927 4.5535 4.5093 4.4595 4.4034 18 4.6717 4.6377 4.5993 4.5561 4.5073 19 4.7650 4.7350 4.7013 4.6633 4.6205 20 4.8553 4.8290 4.7993 4.7659 4.7282 21 4.9242 4.9012 4.8753 4.8462 4.8133 22 4.9901 4.9700 4.9473 4.9218 4.8930 23 5.0632 5.0454 5.0253 5.0027 4.9772 24 5.1348 5.1191 5.1013 5.0813 5.0588 25 5.1950 5.1810 5.1653 5.1476 5.1277 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.2016 17 4.3401 4.2689 18 4.4524 4.3905 4.3208 19 4.5722 4.5178 4.4565 4.3875 20 4.6858 4.6380 4.5841 4.5234 4.4550 21 4.7763 4.7345 4.6875 4.6345 4.5748 22 4.8605 4.8239 4.7827 4.7363 4.6840 23 4.9485 4.9162 4.8797 4.8387 4.7924 24 5.0334 5.0048 4.9726 4.9363 4.8954 25 5.1052 5.0799 5.0514 5.0192 4.9830 21ST 22ND 23RD 24TH 25TH 21 4.5076 22 4.6250 4.5586 23 4.7402 4.6815 4.6152 24 4.8493 4.7973 4.7388 4.6728 25 4.9422 4.8962 4.8444 4.7860 4.7202 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 58 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.0589 4.0249 3.9866 3.9434 3.8947 11 4.1311 4.1024 4.0699 4.0334 3.9922 12 4.2029 4.1784 4.1507 4.1195 4.0844 13 4.2744 4.2534 4.2297 4.2030 4.1729 14 4.3456 4.3275 4.3071 4.2840 4.2581 15 4.4067 4.3909 4.3732 4.3533 4.3308 16 4.4676 4.4540 4.4386 4.4214 4.4019 17 4.5383 4.5264 4.5130 4.4979 4.4809 18 4.5890 4.5786 4.5670 4.5539 4.5391 19 4.6595 4.6504 4.6402 4.6287 4.6157 20 4.7199 4.7120 4.7030 4.6929 4.6814 21 4.7704 4.7634 4.7556 4.7467 4.7368 22 4.8207 4.8146 4.8078 4.8000 4.7913 23 4.8710 4.8656 4.8596 4.8527 4.8450 24 4.9213 4.9165 4.9112 4.9051 4.8983 25 4.9715 4.9673 4.9626 4.9572 4.9512 6TH 7TH 8TH 9TH 10TH 10 3.8399 3.7781 3.7085 3.6300 3.5416 11 3.9458 3.8936 3.8347 3.7683 3.6935 12 4.0448 4.0002 3.9500 3.8933 3.8295 13 4.1390 4.1008 4.0577 4.0092 3.9545 14 4.2288 4.1959 4.1587 4.1169 4.0697 15 4.3055 4.2769 4.2447 4.2085 4.1676 16 4.3800 4.3552 4.3274 4.2960 4.2606 17 4.4618 4.4402 4.4158 4.3884 4.3575 18 4.5225 4.5037 4.4826 4.4588 4.4320 19 4.6011 4.5846 4.5660 4.5451 4.5215 20 4.6686 4.6541 4.6378 4.6194 4.5987 21 4.7256 4.7129 4.6987 4.6826 4.6645 22 4.7815 4.7704 4.7579 4.7438 4.7280 23 4.8363 4.8265 4.8155 4.8030 4.7890 24 4.8906 4.8819 4.8722 4.8612 4.8488 25 4.9444 4.9367 4.9280 4.9183 4.9073 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 59 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.6092 12 3.7576 3.6766 13 3.8929 3.8235 3.7453 14 4.0166 3.9567 3.8893 3.8133 15 4.1216 4.0697 4.0113 3.9454 3.8712 16 4.2208 4.1759 4.1253 4.0683 4.0040 17 4.3227 4.2835 4.2393 4.1895 4.1334 18 4.4017 4.3677 4.3293 4.2861 4.2373 19 4.4950 4.4650 4.4313 4.3933 4.3505 20 4.5753 4.5490 4.5193 4.4859 4.4482 21 4.6442 4.6212 4.5953 4.5662 4.5333 22 4.7101 4.6900 4.6673 4.6418 4.6130 23 4.7732 4.7554 4.7353 4.7127 4.6872 24 4.8348 4.8191 4.8013 4.7813 4.7588 25 4.8950 4.8810 4.8653 4.8476 4.8277 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.9316 17 4.0701 3.9989 18 4.1824 4.1205 4.0508 19 4.3022 4.2478 4.1865 4.1175 20 4.4058 4.3580 4.3041 4.2434 4.1750 21 4.4963 4.4545 4.4075 4.3545 4.2948 22 4.5805 4.5439 4.5027 4.4563 4.4040 23 4.6585 4.6262 4.5897 4.5487 4.5024 24 4.7334 4.7048 4.6726 4.6363 4.5954 25 4.8052 4.7799 4.7514 4.7192 4.6830 21ST 22ND 23RD 24TH 25TH 21 4.2276 22 4.3450 4.2786 23 4.4502 4.3915 4.3252 24 4.5493 4.4973 4.4388 4.3728 25 4.6422 4.5962 4.5444 4.4860 4.4202 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 59 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.8089 3.7749 3.7366 3.6934 3.6447 11 3.8811 3.8524 3.8199 3.7834 3.7422 12 3.9529 3.9284 3.9007 3.8695 3.8344 13 4.0144 3.9934 3.9697 3.9430 3.9129 14 4.0756 4.0575 4.0371 4.0140 3.9881 15 4.1467 4.1309 4.1132 4.0933 4.0708 16 4.1976 4.1840 4.1686 4.1514 4.1319 17 4.2583 4.2464 4.2330 4.2179 4.2009 18 4.3090 4.2986 4.2870 4.2739 4.2591 19 4.3695 4.3604 4.3502 4.3387 4.3257 20 4.4299 4.4220 4.4130 4.4029 4.3914 21 4.4804 4.4734 4.4656 4.4567 4.4468 22 4.5207 4.5146 4.5078 4.5000 4.4913 23 4.5810 4.5756 4.5696 4.5627 4.5550 24 4.6313 4.6265 4.6212 4.6151 4.6083 25 4.6715 4.6673 4.6626 4.6572 4.6512 6TH 7TH 8TH 9TH 10TH 10 3.5899 3.5281 3.4585 3.3800 3.2916 11 3.6958 3.6436 3.5847 3.5183 3.4435 12 3.7948 3.7502 3.7000 3.6433 3.5795 13 3.8790 3.8408 3.7977 3.7492 3.6945 14 3.9588 3.9259 3.8887 3.8469 3.7997 15 4.0455 4.0169 3.9847 3.9485 3.9076 16 4.1100 4.0852 4.0574 4.0260 3.9906 17 4.1818 4.1602 4.1358 4.1084 4.0775 18 4.2425 4.2237 4.2026 4.1788 4.1520 19 4.3111 4.2946 4.2760 4.2551 4.2315 20 4.3786 4.3641 4.3478 4.3294 4.3087 21 4.4356 4.4229 4.4087 4.3926 4.3745 22 4.4815 4.4704 4.4579 4.4438 4.4280 23 4.5463 4.5365 4.5255 4.5130 4.4990 24 4.6006 4.5919 4.5822 4.5712 4.5588 25 4.6444 4.6367 4.6280 4.6183 4.6073 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 60 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.3592 12 3.5076 3.4266 13 3.6329 3.5635 3.4853 14 3.7466 3.6867 3.6193 3.5433 15 3.8616 3.8097 3.7513 3.6854 3.6112 16 3.9508 3.9059 3.8553 3.7983 3.7340 17 4.0427 4.0035 3.9593 3.9095 3.8534 18 4.1217 4.0877 4.0493 4.0061 3.9573 19 4.2050 4.1750 4.1413 4.1033 4.0605 20 4.2853 4.2590 4.2293 4.1959 4.1582 21 4.3542 4.3312 4.3053 4.2762 4.2433 22 4.4101 4.3900 4.3673 4.3418 4.3130 23 4.4832 4.4654 4.4453 4.4227 4.3972 24 4.5448 4.5291 4.5113 4.4913 4.4688 25 4.5950 4.5810 4.5653 4.5476 4.5277 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.6616 17 3.7901 3.7189 18 3.9024 3.8405 3.7708 19 4.0122 3.9578 3.8965 3.8275 20 4.1158 4.0680 4.0141 3.9534 3.8850 21 4.2063 4.1645 4.1175 4.0645 4.0048 22 4.2805 4.2439 4.2027 4.1563 4.1040 23 4.3685 4.3362 4.2997 4.2587 4.2124 24 4.4434 4.4148 4.3826 4.3463 4.3054 25 4.5052 4.4799 4.4514 4.4192 4.3830 21ST 22ND 23RD 24TH 25TH 21 3.9376 22 4.0450 3.9786 23 4.1602 4.1015 4.0352 24 4.2593 4.2073 4.1488 4.0828 25 4.3422 4.2962 4.2444 4.1860 4.1202 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 60 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.4289 3.3949 3.3566 3.3134 3.2647 11 3.4911 3.4624 3.4299 3.3934 3.3522 12 3.5529 3.5284 3.5007 3.4695 3.4344 13 3.6144 3.5934 3.5697 3.5430 3.5129 14 3.6756 3.6575 3.6371 3.6140 3.5881 15 3.7367 3.7209 3.7032 3.6833 3.6608 16 3.7776 3.7640 3.7486 3.7314 3.7119 17 3.8383 3.8264 3.8130 3.7979 3.7809 18 3.8890 3.8786 3.8670 3.8539 3.8391 19 3.9395 3.9304 3.9202 3.9087 3.8957 20 3.9899 3.9820 3.9730 3.9629 3.9514 21 4.0304 4.0234 4.0156 4.0067 3.9968 22 4.0707 4.0646 4.0578 4.0500 4.0413 23 4.1210 4.1156 4.1096 4.1027 4.0950 24 4.1613 4.1565 4.1512 4.1451 4.1383 25 4.2115 4.2073 4.2026 4.1972 4.1912 6TH 7TH 8TH 9TH 10TH 10 3.2099 3.1481 3.0785 3.0000 2.9116 11 3.3058 3.2536 3.1947 3.1283 3.0535 12 3.3948 3.3502 3.3000 3.2433 3.1795 13 3.4790 3.4408 3.3977 3.3492 3.2945 14 3.5588 3.5259 3.4887 3.4469 3.3997 15 3.6355 3.6069 3.5747 3.5385 3.4976 16 3.6900 3.6652 3.6374 3.6060 3.5706 17 3.7618 3.7402 3.7158 3.6884 3.6575 18 3.8225 3.8037 3.7826 3.7588 3.7320 19 3.8811 3.8646 3.8460 3.8251 3.8015 20 3.9386 3.9241 3.9078 3.8894 3.8687 21 3.9856 3.9729 3.9587 3.9426 3.9245 22 4.0315 4.0204 4.0079 3.9938 3.9780 23 4.0863 4.0765 4.0655 4.0530 4.0390 24 4.1306 4.1219 4.1122 4.1012 4.0888 25 4.1844 4.1767 4.1680 4.1583 4.1473 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 61 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.9692 12 3.1076 3.0266 13 3.2329 3.1635 3.0853 14 3.3466 3.2867 3.2193 3.1433 15 3.4516 3.3997 3.3413 3.2754 3.2012 16 3.5308 3.4859 3.4353 3.3783 3.3140 17 3.6227 3.5835 3.5393 3.4895 3.4334 18 3.7017 3.6677 3.6293 3.5861 3.5373 19 3.7750 3.7450 3.7113 3.6733 3.6305 20 3.8453 3.8190 3.7893 3.7559 3.7182 21 3.9042 3.8812 3.8553 3.8262 3.7933 22 3.9601 3.9400 3.9173 3.8918 3.8630 23 4.0232 4.0054 3.9853 3.9627 3.9372 24 4.0748 4.0591 4.0413 4.0213 3.9988 25 4.1350 4.1210 4.1053 4.0876 4.0677 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.2416 17 3.3701 3.2989 18 3.4824 3.4205 3.3508 19 3.5822 3.5278 3.4665 3.3975 20 3.6758 3.6280 3.5741 3.5134 3.4450 21 3.7563 3.7145 3.6675 3.6145 3.5548 22 3.8305 3.7939 3.7527 3.7063 3.6540 23 3.9085 3.8762 3.8397 3.7987 3.7524 24 3.9734 3.9448 3.9126 3.8763 3.8354 25 4.0452 4.0199 3.9914 3.9592 3.9230 21ST 22ND 23RD 24TH 25TH 21 3.4876 22 3.5950 3.5286 23 3.7002 3.6415 3.5752 24 3.7893 3.7373 3.6788 3.6128 25 3.8822 3.8362 3.7844 3.7260 3.6602 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 61 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.1689 3.1349 3.0966 3.0534 3.0047 11 3.2311 3.2024 3.1699 3.1334 3.0922 12 3.2929 3.2684 3.2407 3.2095 3.1744 13 3.3444 3.3234 3.2997 3.2730 3.2429 14 3.3956 3.3775 3.3571 3.3340 3.3081 15 3.4567 3.4409 3.4232 3.4033 3.3808 16 3.4976 3.4840 3.4686 3.4514 3.4319 17 3.5483 3.5364 3.5230 3.5079 3.4909 18 3.5890 3.5786 3.5670 3.5539 3.5391 19 3.6395 3.6304 3.6202 3.6087 3.5957 20 3.6899 3.6820 3.6730 3.6629 3.6514 21 3.7304 3.7234 3.7156 3.7067 3.6968 22 3.7707 3.7646 3.7578 3.7500 3.7413 23 3.8110 3.8056 3.7996 3.7927 3.7850 24 3.8513 3.8465 3.8412 3.8351 3.8283 25 3.8915 3.8873 3.8826 3.8772 3.8712 6TH 7TH 8TH 9TH 10TH 10 2.9499 2.8881 2.8185 2.7400 2.6516 11 3.0458 2.9936 2.9347 2.8683 2.7935 12 3.1348 3.0902 3.0400 2.9833 2.9195 13 3.2090 3.1708 3.1277 3.0792 3.0245 14 3.2788 3.2459 3.2087 3.1669 3.1197 15 3.3555 3.3269 3.2947 3.2585 3.2176 16 3.4100 3.3852 3.3574 3.3260 3.2906 17 3.4718 3.4502 3.4258 3.3984 3.3675 18 3.5225 3.5037 3.4826 3.4588 3.4320 19 3.5811 3.5646 3.5460 3.5251 3.5015 20 3.6386 3.6241 3.6078 3.5894 3.5687 21 3.6856 3.6729 3.6587 3.6426 3.6245 22 3.7315 3.7204 3.7079 3.6938 3.6780 23 3.7763 3.7665 3.7555 3.7430 3.7290 24 3.8206 3.8119 3.8022 3.7912 3.7788 25 3.8644 3.8567 3.8480 3.8383 3.8273 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 62 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.7092 12 2.8476 2.7666 13 2.9629 2.8935 2.8153 14 3.0666 3.0067 2.9393 2.8633 15 3.1716 3.1197 3.0613 2.9954 2.9212 16 3.2508 3.2059 3.1553 3.0983 3.0340 17 3.3327 3.2935 3.2493 3.1995 3.1434 la 3.4017 3.3677 3.3293 3.2861 3.2373 19 3.4750 3.4450 3.4113 3.3733 3.3305 20 3.5453 3.5190 3.4893 3.4559 3.4182 21 3.6042 3.5812 3.5553 3.5262 3.4933 22 3.6601 3.6400 3.6173 3.5918 3.5630 23 3.7132 3.6954 3.6753 3.6527 3.6272 24 3.7648 3.7491 3.7313 3.7113 3.6888 25 3.8150 3.8010 3.7853 3.7676 3.7477 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.9616 17 3.0801 3.0089 la 3.1824 3.1205 3.0508 19 3.2822 3.2278 3.1665 3.0975 20 3.3758 3.3280 3.2741 3.2134 3.1450 21 3.4563 3.4145 3.3675 3.3145 3.2548 22 3.5305 3.4939 3.4527 3.4063 3.3540 23 3.5985 3.5662 3.5297 3.4887 3.4424 24 3.6634 3.6348 3.6026 3.5663 3.5254 25 3.7252 3.6999 3.6714 3.6392 3.6030 21ST 22ND 23RD 24TH 25TH 21 3.1876 22 3.2950 3.2286 23 3.3902 3.3315 3.2652 24 3.4793 3.4273 3.3688 3.3028 25 3.5622 3.5162 3.4644 3.4060 3.3402 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 62 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 2.7789 2.7449 2.7066 2.6634 2.6147 11 2.8311 2.8024 2.7699 2.7334 2.6922 12 2.8829 2.8584 2.8307 2.7995 2.7644 13 2.9244 2.9034 2.8797 2.8530 2.8229 14 2.9756 2.9575 2.9371 2.9140 2.8881 15 3.0267 3.0109 2.9932 2.9733 2.9508 16 3.0676 3.0540 3.0386 3.0214 3.0019 17 3.1083 3.0964 3.0830 3.0679 3.0509 18 3.1490 3.1386 3.1270 3.1139 3.0991 19 3.1895 3.1804 3.1702 3.1587 3.1457 20 3.2299 3.2220 3.2130 3.2029 3.1914 21 3.2604 3.2534 3.2456 3.2367 3.2268 22 3.2907 3.2846 3.2778 3.2700 3.2613 23 3.3310 3.3256 3.3196 3.3127 3.3050 24 3.3613 3.3565 3.3512 3.3451 3.3383 25 3.4015 3.3973 3.3926 3.3872 3.3812 6TH 7TH 8TH 9TH 10TH 10 2.5599 2.4981 2.4285 2.3500 2.2616 11 2.6458 2.5936 2.5347 2.4683 2.3935 12 2.7248 2.6802 2.6300 2.5733 2.5095 13 2.7890 2.7508 2.7077 2.6592 2.6045 14 2.8588 2.8259 2.7887 2.7469 2.6997 15 2.9255 2.8969 2.8647 2.8285 2.7876 16 2.9800 2.9552 2.9274 2.8960 2.8606 17 3.0318 3.0102 2.9858 2.9584 2.9275 18 3.0825 3.0637 3.0426 3.0188 2.9920 19 3.1311 3.1146 3.0960 3.0751 3.0515 20 3.1786 3.1641 3.1478 3.1294 3.1087 21 3.2156 3.2029 3.1887 3.1726 3.1545 22 3.2515 3.2404 3.2279 3.2138 3.1980 23 3.2963 3.2865 3.2755 3.2630 3.2490 24 3.3306 3.3219 3.3122 3.3012 3.2888 25 3.3744 3.3667 3.3580 3.3483 3.3373 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 63 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.3092 12 2.4376 2.3566 13 2.5429 2.4735 2.3953 14 2.6466 2.5867 2.5193 2.4433 15 2.7416 2.6897 2.6313 2.5654 2.4912 16 2.8208 2.7759 2.7253 2.6683 2.6040 17 2.8927 2.8535 2.8093 2.7595 2.7034 18 2.9617 2.9277 2.8893 2.8461 2.7973 19 3.0250 2.9950 2.9613 2.9233 2.8805 20 3.0853 3.0590 3.0293 2.9959 2.9582 21 3.1342 3.1112 3.0853 3.0562 3.0233 22 3.1801 3.1600 3.1373 3.1118 3.0830 23 3.2332 3.2154 3.1953 3.1727 3.1472 24 3.2748 3.2591 3.2413 3.2213 3.1988 25 3.3250 3.3110 3.2953 3.2776 3.2577 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.5316 17 2.6401 2.5689 18 2.7424 2.6805 2.6108 19 2.8322 2.7778 2.7165 2.6475 20 2.9158 2.8680 2.8141 2.7534 2.6850 21 2.9863 2.9445 2.8975 2.8445 2.7848 22 3.0505 3.0139 2.9727 2.9263 2.8740 23 3.1185 3.0862 3.0497 3.0087 2.9624 24 3.1734 3.1448 3.1126 3.0763 3.0354 25 3.2352 3.2099 3.1814 3.1492 3.1130 21ST 22ND 23RD 24TH 25TH 21 2.7176 22 2.8150 2.7486 23 2.9102 2.8515 2.7852 24 2.9893 2.9373 2.8788 2.8128 25 3.0722 3.0262 2.9744 2.9160 2.8502 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 63 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 6.4393 6.4061 6.3686 6.3260 6.2778 11 6.5415 6.5135 6.4818 6.4459 6.4053 12 6.6333 6.6095 6.5826 6.5522 6.5177 13 6.7348 6.7145 6.6915 6.6655 6.6360 14 6.8259 6.8085 6.7887 6.7663 6.7409 15 6.9170 6.9019 6.8849 6.8657 6.8438 16 7.0078 6.9949 6.9801 6.9635 6.9446 17 7.0886 7.0773 7.0646 7.0501 7.0338 18 7.1792 7.1693 7.1582 7.1455 7.1313 19 7.2597 7.2512 7.2416 7.2307 7.2183 20 7.3502 7.3427 7.3342 7.3246 7.3137 21 7.4206 7.4140 7.4066 7.3982 7.3887 22 7.4909 7.4852 7.4788 7.4715 7.4633 23 7.5712 7.5663 7.5606 7.5542 7.5470 24 7.6515 7.6470 7.6420 7.6364 7.6299 25 7.7217 7.7178 7.7134 7.7085 7.7028 6TH 7TH 8TH 9TH 10TH 10 6.2233 6.1615 6.0915 6.0123 5.9226 11 6.3592 6.3071 6.2481 6.1812 6.1055 12 6.4786 6.4344 6.3843 6.3276 6.2634 13 6.6026 6.5648 6.5220 6.4736 6.4187 14 6.7122 6.6797 6.6429 6.6012 6.5539 15 6.8191 6.7911 6.7594 6.7235 6.6829 16 6.9233 6.8991 6.8717 6.8407 6.8056 17 7.0153 6.9943 6.9705 6.9437 6.9132 18 7.1151 7.0967 7.0760 7.0525 7.0258 19 7.2043 7.1885 7.1705 7.1502 7.1272 20 7.3014 7.2875 7.2717 7.2538 7.2335 21 7.3779 7.3658 7.3519 7.3363 7.3186 22 7.4539 7.4434 7.4314 7.4178 7.4024 23 7.5388 7.5296 7.5191 7.5072 7.4937 24 7.6226 7.6144 7.6051 7.5945 7.5825 25 7.6965 7.6892 7.6811 7.6718 7.6613 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 64 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 6.0198 12 6.1907 6.1083 13 6.3566 6.2862 6.2065 14 6.5005 6.4399 6.3713 6.2936 15 6.6369 6.5847 6.5257 6.4589 6.3832 16 6.7658 6.7208 6.6698 6.6120 6.5466 17 6.8787 6.8397 6.7955 6.7454 6.6887 18 6.9957 6.9615 6.9229 6.8791 6.8295 19 7.1011 7.0716 7.0382 7.0004 6.9575 20 7.2106 7.1846 7.1552 7.1219 7.0842 21 7.2986 7.2759 7.2502 7.2210 7.1881 22 7.3850 7.3653 7.3430 7.3177 7.2891 23 7.4785 7.4613 7.4417 7.4196 7.3945 24 7.5690 7.5536 7.5363 7.5166 7.4943 25 7.6495 7.6360 7.6208 7.6036 7.5841 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 6.4725 17 6.6245 6.5518 18 6.7734 6.7098 6.6378 19 6.9090 6.8540 6.7918 6.7213 20 7.0415 6.9931 6.9384 6.8764 6.8061 21 7.1508 7.1085 7.0606 7.0064 6.9450 22 7.2567 7.2200 7.1785 7.1314 7.0781 23 7.3662 7.3340 7.2977 7.2565 7.2098 24 7.4691 7.4405 7.4081 7.3715 7.3300 25 7.5620 7.5369 7.5086 7.4765 7.4402 21ST 22ND 23RD 24TH 25TH 21 6.8755 22 7.0178 6.9495 23 7.1570 7.0971 7.0294 24 7.2830 7.2298 7.1695 7.1013 25 7.3990 7.3524 7.2996 7.2399 7.1722 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 64 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.0793 5.0461 5.0086 4.9660 4.9178 11 5.1715 5.1435 5.1118 5.0759 5.0353 12 5.2533 5.2295 5.2026 5.1722 5.1377 13 5.3348 5.3145 5.2915 5.2655 5.2360 14 5.4259 5.4085 5.3887 5.3663 5.3409 15 5.5070 5.4919 5.4749 5.4557 5.4338 16 5.5878 5.5749 5.5601 5.5435 5.5246 17 5.6586 5.6473 5.6346 5.6201 5.6038 18 5.7392 5.7293 5.7182 5.7055 5.6913 19 5.8097 5.8012 5.7916 5.7807 5.7683 20 5.8902 5.8827 5.8742 5.8646 5.8537 21 5.9506 5.9440 5.9366 5.9282 5.9187 22 6.0109 6.0052 5.9988 5.9915 5.9833 23 6.0812 6.0763 6.0706 6.0642 6.0570 24 6.1515 6.1470 6.1420 6.1364 6.1299 25 6.2117 6.2078 6.2034 6.1985 6.1928 6TH 7TH 8TH 9TH 10TH 10 4.8633 4.8015 4.7315 4.6523 4.5626 11 4.9892 4.9371 4.8781 4.8112 4.7355 12 5.0986 5.0544 5.0043 4.9476 4.8834 13 5.2026 5.1648 5.1220 5.0736 5.0187 14 5.3122 5.2797 5.2429 5.2012 5.1539 15 5.4091 5.3811 5.3494 5.3135 5.2729 16 5.5033 5.4791 5.4517 5.4207 5.3856 17 5.5853 5.5643 5.5405 5.5137 5.4832 18 5.6751 5.6567 5.6360 5.6125 5.5858 19 5.7543 5.7385 5.7205 5.7002 5.6772 20 5.8414 5.8275 5.8117 5.7938 5.7735 21 5.9079 5.8958 5.8819 5.8663 5.8486 22 5.9739 5.9634 5.9514 5.9378 5.9224 23 6.0488 6.0396 6.0291 6.0172 6.0037 24 6.1226 6.1144 6.1051 6.0945 6.0825 25 6.1865 6.1792 6.1711 6.1618 6.1513 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 65 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.6498 12 4.8107 4.7283 13 4.9566 4.8862 4.8065 14 5.1005 5.0399 4.9713 4.8936 15 5.2269 5.1747 5.1157 5.0489 4.9732 16 5.3458 5.3008 5.2498 5.1920 5.1266 17 5.4487 5.4097 5.3655 5.3154 5.2587 18 5.5557 5.5215 5.4829 5.4391 5.3895 19 5.6511 5.6216 5.5882 5.5504 5.5075 20 5.7506 5.7246 5.6952 5.6619 5.6242 21 5.8286 5.8059 5.7802 5.7510 5.7181 22 5.9050 5.8853 5.8630 5.8377 5.8091 23 5.9885 5.9713 5.9517 5.9296 5.9045 24 6.0690 6.0536 6.0363 6.0166 5.9943 25 6.1395 6.1260 6.1108 6.0936 6.0741 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.0525 17 5.1945 5.1218 18 5.3334 5.2698 5.1978 19 5.4590 5.4040 5.3418 5.2713 20 5.5815 5.5331 5.4784 5.4164 5.3461 21 5.6808 5.6385 5.5906 5.5364 5.4750 22 5.7767 5.7400 5.6985 5.6514 5.5981 23 5.8762 5.8440 5.8077 5.7665 5.7198 24 5.9691 5.9405 5.9081 5.8715 5.8300 25 6.0520 6.0269 5.9986 5.9665 5.9302 21ST 22ND 23RD 24TH 25TH 21 5.4055 22 5.5378 5.4695 23 5.6670 5.6071 5.5394 24 5.7830 5.7298 5.6695 5.6013 25 5.8890 5.8424 5.7896 5.7299 5.6622 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 65 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.7193 4.6861 4.6486 4.6060 4.5578 11 4.8015 4.7735 4.7418 4.7059 4.6653 12 4.8833 4.8595 4.8326 4.8022 4.7677 13 4.9648 4.9445 4.9215 4.8955 4.8660 14 5.0459 5.0285 5.0087 4.9863 4.9609 15 5.1270 5.1119 5.0949 5.0757 5.0538 16 5.1978 5.1849 5.1701 5.1535 5.1346 17 5.2686 5.2573 5.2446 5.2301 5.2138 18 5.3492 5.3393 5.3282 5.3155 5.3013 19 5.4097 5.4012 5.3916 5.3807 5.3683 20 5.4802 5.4727 5.4642 5.4546 5.4437 21 5.5506 5.5440 5.5366 5.5282 5.5187 22 5.6009 5.5952 5.5888 5.5815 5.5733 23 5.6612 5.6563 5.6506 5.6442 5.6370 24 5.7315 5.7270 5.7220 5.7164 5.7099 25 5.7817 5.7778 5.7734 5.7685 5.7628 6TH 7TH 8TH 9TH 10TH 10 4.5033 4.4415 4.3715 4.2923 4.2026 11 4.6192 4.5671 4.5081 4.4412 4.3655 12 4.7286 4.6844 4.6343 4.5776 4.5134 13 4.8326 4.7948 4.7520 4.7036 4.6487 14 4.9322 4.8997 4.8629 4.8212 4.7739 15 5.0291 5.0011 4.9694 4.9335 4.8929 16 5.1133 5.0891 5.0617 5.0307 4.9956 17 5.1953 5.1743 5.1505 5.1237 5.0932 18 5.2851 5.2667 5.2460 5.2225 5.1958 19 5.3543 5.3385 5.3205 5.3002 5.2772 20 5.4314 5.4175 5.4017 5.3838 5.3635 21 5.5079 5.4958 5.4819 5.4663 5.4486 22 5.5639 5.5534 5.5414 5.5278 5.5124 23 5.6288 5.6196 5.6091 5.5972 5.5837 24 5.7026 5.6944 5.6851 5.6745 5.6625 25 5.7565 5.7492 5.7411 5.7318 5.7213 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 66 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.2798 12 4.4407 4.3583 13 4.5866 4.5162 4.4365 14 4.7205 4.6599 4.5913 4.5136 15 4.8469 4.7947 4.7357 4.6689 4.5932 16 4.9558 4.9108 4.8598 4.8020 4.7366 17 5.0587 5.0197 4.9755 4.9254 4.8687 18 5.1657 5.1315 5.0929 5.0491 4.9995 19 5.2511 5.2216 5.1882 5.1504 5.1075 20 5.3406 5.3146 5.2852 5.2519 5.2142 21 5.4286 5.4059 5.3802 5.3510 5.3181 22 5.4950 5.4753 5.4530 5.4277 5.3991 23 5.5685 5.5513 5.5317 5.5096 5.4845 24 5.6490 5.6336 5.6163 5.5966 5.5743 25 5.7095 5.6960 5.6808 5.6636 5.6441 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.6625 17 4.8045 4.7318 18 4.9434 4.8798 4.8078 19 5.0590 5.0040 4.9418 4.8713 20 5.1715 5.1231 5.0684 5.0064 4.9361 21 5.2808 5.2385 5.1906 5.1364 5.0750 22 5.3667 5.3300 5.2885 5.2414 5.1881 23 5.4562 5.4240 5.3877 5.3465 5.2998 24 5.5491 5.5205 5.4881 5.4515 5.4100 25 5.6220 5.5969 5.5686 5.5365 5.5002 21ST 22ND 23RD 24TH 25TH 21 5.0055 22 5.1278 5.0595 23 5.2470 5.1871 5.1194 24 5.3630 5.3098 5.2495 5.1813 25 5.4590 5.4124 5.3596 5.2999 5.2322 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 66 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.5993 4.5661 4.5286 4.4860 4.4378 11 4.6815 4.6535 4.6218 4.5859 4.5453 12 4.7633 4.7395 4.7126 4.6822 4.6477 13 4.8348 4.8145 4.7915 4.7655 4.7360 14 4.9259 4.9085 4.8887 4.8663 4.8409 15 4.9970 4.9819 4.9649 4.9457 4.9238 16 5.0678 5.0549 5.0401 5.0235 5.0046 17 5.1386 5.1273 5.1146 5.1001 5.0838 18 5.2092 5.1993 5.1882 5.1755 5.1613 19 5.2697 5.2612 5.2516 5.2407 5.2283 20 5.3502 5.3427 5.3342 5.3246 5.3137 21 5.4106 5.4040 5.3966 5.3882 5.3787 22 5.4609 5.4552 5.4488 5.4415 5.4333 23 5.5212 5.5163 5.5106 5.5042 5.4970 24 5.5915 5.5870 5.5820 5.5764 5.5699 25 5.6417 5.6378 5.6334 5.6285 5.6228 6TH 7TH 8TH 9TH 10TH 10 4.3833 4.3215 4.2515 4.1723 4.0826 11 4.4992 4.4471 4.3881 4.3212 4.2455 12 4.6086 4.5644 4.5143 4.4576 4.3934 13 4.7026 4.6648 4.6220 4.5736 4.5187 14 4.8122 4.7797 4.7429 4.7012 4.6539 15 4.8991 4.8711 4.8394 4.8035 4.7629 16 4.9833 4.9591 4.9317 4.9007 4.8656 17 5.0653 5.0443 5.0205 4.9937 4.9632 18 5.1451 5.1267 5.1060 5.0825 5.0558 19 5.2143 5.1985 5.1805 5.1602 5.1372 20 5.3014 5.2875 5.2717 5.2538 5.2335 21 5.3679 5.3558 5.3419 5.3263 5.3086 22 5.4239 5.4134 5.4014 5.3878 5.3724 23 5.4888 5.4796 5.4691 5.4572 5.4437 24 5.5626 5.5544 5.5451 5.5345 5.5225 25 5.6165 5.6092 5.6011 5.5918 5.5813 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 67 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.1598 12 4.3207 4.2383 13 4.4566 4.3862 4.3065 14 4.6005 4.5399 4.4713 4.3936 15 4.7169 4.6647 4.6057 4.5389 4.4632 16 4.8258 4.7808 4.7298 4.6720 4.6066 17 4.9287 4.8897 4.8455 4.7954 4.7387 18 5.0257 4.9915 4.9529 4.9091 4.8595 19 5.1111 5.0816 5.0482 5.0104 4.9675 20 5.2106 5.1846 5.1552 5.1219 5.0842 21 5.2886 5.2659 5.2402 5.2110 5.1781 22 5.3550 5.3353 5.3130 5.2877 5.2591 23 5.4285 5.4113 5.3917 5.3696 5.3445 24 5.5090 5.4936 5.4763 5.4566 5.4343 25 5.5695 5.5560 5.5408 5.5236 5.5041 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.5325 17 4.6745 4.6018 18 4.8034 4.7398 4.6678 19 4.9190 4.8640 4.8018 4.7313 20 5.0415 4.9931 4.9384 4.8764 4.8061 21 5.1408 5.0985 5.0506 4.9964 4.9350 22 5.2267 5.1900 5.1485 5.1014 5.0481 23 5.3162 5.2840 5.2477 5.2065 5.1598 24 5.4091 5.3805 5.3481 5.3115 5.2700 25 5.4820 5.4569 5.4286 5.3965 5.3602 21ST 22ND 23RD 24TH 25TH 21 4.8655 22 4.9878 4.9195 23 5.1070 5.0471 4.9794 24 5.2230 5.1698 5.1095 5.0413 25 5.3190 5.2724 5.2196 5.1599 5.0922 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 67 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.3493 4.3161 4.2786 4.2360 4.1878 11 4.4315 4.4035 4.3718 4.3359 4.2953 12 4.5033 4.4795 4.4526 4.4222 4.3877 13 4.5848 4.5645 4.5415 4.5155 4.4860 14 4.6659 4.6485 4.6287 4.6063 4.5809 15 4.7270 4.7119 4.6949 4.6757 4.6538 16 4.7978 4.7849 4.7701 4.7535 4.7346 17 4.8686 4.8573 4.8446 4.8301 4.8138 18 4.9392 4.9293 4.9182 4.9055 4.8913 19 4.9997 4.9912 4.9816 4.9707 4.9583 20 5.0702 5.0627 5.0542 5.0446 5.0337 21 5.1306 5.1240 5.1166 5.1082 5.0987 22 5.1809 5.1752 5.1688 5.1615 5.1533 23 5.2312 5.2263 5.2206 5.2142 5.2070 24 5.2915 5.2870 5.2820 5.2764 5.2699 25 5.3417 5.3378 5.3334 5.3285 5.3228 6TH 7TH 8TH 9TH 10TH 10 4.1333 4.0715 4.0015 3.9223 3.8326 11 4.2492 4.1971 4.1381 4.0712 3.9955 12 4.3486 4.3044 4.2543 4.1976 4.1334 13 4.4526 4.4148 4.3720 4.3236 4.2687 14 4.5522 4.5197 4.4829 4.4412 4.3939 15 4.6291 4.6011 4.5694 4.5335 4.4929 16 4.7133 4.6891 4.6617 4.6307 4.5956 17 4.7953 4.7743 4.7505 4.7237 4.6932 18 4.8751 4.8567 4.8360 4.8125 4.7858 19 4.9443 4.9285 4.9105 4.8902 4.8672 20 5.0214 5.0075 4.9917 4.9738 4.9535 21 5.0879 5.0758 5.0619 5.0463 5.0286 22 5.1439 5.1334 5.1214 5.1078 5.0924 23 5.1988 5.1896 5.1791 5.1672 5.1537 24 5.2626 5.2544 5.2451 5.2345 5.2225 25 5.3165 5.3092 5.3011 5.2918 5.2813 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 68 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.9098 12 4.0607 3.9783 13 4.2066 4.1362 4.0565 14 4.3405 4.2799 4.2113 4.1336 15 4.4469 4.3947 4.3357 4.2689 4.1932 16 4.5558 4.5108 4.4598 4.4020 4.3366 17 4.6587 4.6197 4.5755 4.5254 4.4687 18 4.7557 4.7215 4.6829 4.6391 4.5895 19 4.8411 4.8116 4.7782 4.7404 4.6975 20 4.9306 4.9046 4.8752 4.8419 4.8042 21 5.0086 4.9859 4.9602 4.9310 4.8981 22 5.0750 5.0553 5.0330 5.0077 4.9791 23 5.1385 5.1213 5.1017 5.0796 5.0545 24 5.2090 5.1936 5.1763 5.1566 5.1343 25 5.2695 5.2560 5.2408 5.2236 5.2041 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.2625 17 4.4045 4.3318 18 4.5334 4.4698 4.3978 19 4.6490 4.5940 4.5318 4.4613 20 4.7615 4.7131 4.6584 4.5964 4.5261 21 4.8608 4.8185 4.7706 4.7164 4.6550 22 4.9467 4.9100 4.8685 4.8214 4.7681 23 5.0262 4.9940 4.9577 4.9165 4.8698 24 5.1091 5.0805 5.0481 5.0115 4.9700 25 5.1820 5.1569 5.1286 5.0965 5.0602 21ST 22ND 23RD 24TH 25TH 21 4.5855 22 4.7078 4.6395 23 4.8170 4.7571 4.6894 24 4.9230 4.8698 4.8095 4.7413 25 5.0190 4.9724 4.9196 4.8599 4.7922 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 68 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.0993 4.0661 4.0286 3.9860 3.9378 11 4.1815 4.1535 4.1218 4.0859 4.0453 12 4.2533 4.2295 4.2026 4.1722 4.1377 13 4.3248 4.3045 4.2815 4.2555 4.2260 14 4.3959 4.3785 4.3587 4.3363 4.3109 15 4.4670 4.4519 4.4349 4.4157 4.3938 16 4.5278 4.5149 4.5001 4.4835 4.4646 17 4.5886 4.5773 4.5646 4.5501 4.5338 18 4.6592 4.6493 4.6382 4.6255 4.6113 19 4.7097 4.7012 4.6916 4.6807 4.6683 20 4.7802 4.7727 4.7642 4.7546 4.7437 21 4.8406 4.8340 4.8266 4.8182 4.8087 22 4.8809 4.8752 4.8688 4.8615 4.8533 23 4.9412 4.9363 4.9306 4.9242 4.9170 24 5.0015 4.9970 4.9920 4.9864 4.9799 25 5.0417 5.0378 5.0334 5.0285 5.0228 6TH 7TH 8TH 9TH 10TH 10 3.8833 3.8215 3.7515 3.6723 3.5826 11 3.9992 3.9471 3.8881 3.8212 3.7455 12 4.0986 4.0544 4.0043 3.9476 3.8834 13 4.1926 4.1548 4.1120 4.0636 4.0087 14 4.2822 4.2497 4.2129 4.1712 4.1239 15 4.3691 4.3411 4.3094 4.2735 4.2329 16 4.4433 4.4191 4.3917 4.3607 4.3256 17 4.5153 4.4943 4.4705 4.4437 4.4132 18 4.5951 4.5767 4.5560 4.5325 4.5058 19 4.6543 4.6385 4.6205 4.6002 4.5772 20 4.7314 4.7175 4.7017 4.6838 4.6635 21 4.7979 4.7858 4.7719 4.7563 4.7386 22 4.8439 4.8334 4.8214 4.8078 4.7924 23 4.9088 4.8996 4.8891 4.8772 4.8637 24 4.9726 4.9644 4.9551 4.9445 4.9325 25 5.0165 5.0092 5.0011 4.9918 4.9813 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 69 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.6598 12 3.8107 3.7283 13 3.9466 3.8762 3.7965 14 4.0705 4.0099 3.9413 3.8636 15 4.1869 4.1347 4.0757 4.0089 3.9332 16 4.2858 4.2408 4.1898 4.1320 4.0666 17 4.3787 4.3397 4.2955 4.2454 4.1887 18 4.4757 4.4415 4.4029 4.3591 4.3095 19 4.5511 4.5216 4.4882 4.4504 4.4075 20 4.6406 4.6146 4.5852 4.5519 4.5142 21 4.7186 4.6959 4.6702 4.6410 4.6081 22 4.7750 4.7553 4.7330 4.7077 4.6791 23 4.8485 4.8313 4.8117 4.7896 4.7645 24 4.9190 4.9036 4.8863 4.8666 4.8443 25 4.9695 4.9560 4.9408 4.9236 4.9041 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.9925 17 4.1245 4.0518 18 4.2534 4.1898 4.1178 19 4.3590 4.3040 4.2418 4.1713 20 4.4715 4.4231 4.3684 4.3064 4.2361 21 4.5708 4.5285 4.4806 4.4264 4.3650 22 4.6467 4.6100 4.5685 4.5214 4.4681 23 4.7362 4.7040 4.6677 4.6265 4.5798 24 4.8191 4.7905 4.7581 4.7215 4.6800 25 4.8820 4.8569 4.8286 4.7965 4.7602 21ST 22ND 23RD 24TH 25TH 21 4.2955 22 4.4078 4.3395 23 4.5270 4.4671 4.3994 24 4.6330 4.5798 4.5195 4.4513 25 4.7190 4.6724 4.6196 4.5599 4.4922 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 69 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.7193 3.6861 3.6486 3.6060 3.5578 11 3.7915 3.7635 3.7318 3.6959 3.6553 12 3.8533 3.8295 3.8026 3.7722 3.7377 13 3.9248 3.9045 3.8815 3.8555 3.8260 14 3.9959 3.9785 3.9587 3.9363 3.9109 15 4.0570 4.0419 4.0249 4.0057 3.9838 16 4.1078 4.0949 4.0801 4.0635 4.0446 17 4.1686 4.1573 4.1446 4.1301 4.1138 18 4.2392 4.2293 4.2182 4.2055 4.1913 19 4.2797 4.2712 4.2616 4.2507 4.2383 20 4.3402 4.3327 4.3242 4.3146 4.3037 21 4.3906 4.3840 4.3766 4.3682 4.3587 22 4.4309 4.4252 4.4188 4.4115 4.4033 23 4.4812 4.4763 4.4706 4.4642 4.4570 24 4.5315 4.5270 4.5220 4.5164 4.5099 25 4.5817 4.5778 4.5734 4.5685 4.5628 6TH 7TH 8TH 9TH 10TH 10 3.5033 3.4415 3.3715 3.2923 3.2026 11 3.6092 3.5571 3.4981 3.4312 3.3555 12 3.6986 3.6544 3.6043 3.5476 3.4834 13 3.7926 3.7548 3.7120 3.6636 3.6087 14 3.8822 3.8497 3.8129 3.7712 3.7239 15 3.9591 3.9311 3.8994 3.8635 3.8229 16 4.0233 3.9991 3.9717 3.9407 3.9056 17 4.0953 4.0743 4.0505 4.0237 3.9932 18 4.1751 4.1567 4.1360 4.1125 4.0858 19 4.2243 4.2085 4.1905 4.1702 4.1472 20 4.2914 4.2775 4.2617 4.2438 4.2235 21 4.3479 4.3358 4.3219 4.3063 4.2886 22 4.3939 4.3834 4.3714 4.3578 4.3424 23 4.4488 4.4396 4.4291 4.4172 4.4037 24 4.5026 4.4944 4.4851 4.4745 4.4625 25 4.5565 4.5492 4.5411 4.5318 4.5213 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 70 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.2698 12 3.4107 3.3283 13 3.5466 3.4762 3.3965 14 3.6705 3.6099 3.5413 3.4636 15 3.7769 3.7247 3.6657 3.5989 3.5232 16 3.8658 3.8208 3.7698 3.7120 3.6466 17 3.9587 3.9197 3.8755 3.8254 3.7687 18 4.0557 4.0215 3.9829 3.9391 3.8895 19 4.1211 4.0916 4.0582 4.0204 3.9775 20 4.2006 4.1746 4.1452 4.1119 4.0742 21 4.2686 4.2459 4.2202 4.1910 4.1581 22 4.3250 4.3053 4.2830 4.2577 4.2291 23 4.3885 4.3713 4.3517 4.3296 4.3045 24 4.4490 4.4336 4.4163 4.3966 4.3743 25 4.5095 4.4960 4.4808 4.4636 4.4441 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.5725 17 3.7045 3.6318 18 3.8334 3.7698 3.6978 19 3.9290 3.8740 3.8118 3.7413 20 4.0315 3.9831 3.9284 3.8664 3.7961 21 4.1208 4.0785 4.0306 3.9764 3.9150 22 4.1967 4.1600 4.1185 4.0714 4.0181 23 4.2762 4.2440 4.2077 4.1665 4.1198 24 4.3491 4.3205 4.2881 4.2515 4.2100 25 4.4220 4.3969 4.3686 4.3365 4.3002 21ST 22ND 23RD 24TH 25TH 21 3.8455 22 3.9578 3.8895 23 4.0670 4.0071 3.9394 24 4.1630 4.1098 4.0495 3.9813 25 4.2590 4.2124 4.1596 4.0999 4.0322 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 70 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.4593 3.4261 3.3886 3.3460 3.2978 11 3.5315 3.5035 3.4718 3.4359 3.3953 12 3.5933 3.5695 3.5426 3.5122 3.4777 13 3.6548 3.6345 3.6115 3.5855 3.5560 14 3.7159 3.6985 3.6787 3.6563 3.6309 15 3.7770 3.7619 3.7449 3.7257 3.7038 16 3.8278 3.8149 3.8001 3.7835 3.7646 17 3.8786 3.8673 3.8546 3.8401 3.8238 18 3.9392 3.9293 3.9182 3.9055 3.8913 19 3.9797 3.9712 3.9616 3.9507 3.9383 20 4.0402 4.0327 4.0242 4.0146 4.0037 21 4.0906 4.0840 4.0766 4.0682 4.0587 22 4.1309 4.1252 4.1188 4.1115 4.1033 23 4.1712 4.1663 4.1606 4.1542 4.1470 24 4.2215 4.2170 4.2120 4.2064 4.1999 25 4.2617 4.2578 4.2534 4.2485 4.2428 6TH 7TH 8TH 9TH 10TH 10 3.2433 3.1815 3.1115 3.0323 2.9426 11 3.3492 3.2971 3.2381 3.1712 3.0955 12 3.4386 3.3944 3.3443 3.2876 3.2234 13 3.5226 3.4848 3.4420 3.3936 3.3387 14 3.6022 3.5697 3.5329 3.4912 3.4439 15 3.6791 3.6511 3.6194 3.5835 3.5429 16 3.7433 3.7191 3.6917 3.6607 3.6256 17 3.8053 3.7843 3.7605 3.7337 3.7032 18 3.8751 3.8567 3.8360 3.8125 3.7858 19 3.9243 3.9085 3.8905 3.8702 3.8472 20 3.9914 3.9775 3.9617 3.9438 3.9235 21 4.0479 4.0358 4.0219 4.0063 3.9886 22 4.0939 4.0834 4.0714 4.0578 4.0424 23 4.1388 4.1296 4.1191 4.1072 4.0937 24 4.1926 4.1844 4.1751 4.1645 4.1525 25 4.2365 4.2292 4.2211 4.2118 4.2013 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 71 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.0098 12 3.1507 3.0683 13 3.2766 3.2062 3.1265 14 3.3905 3.3299 3.2613 3.1836 15 3.4969 3.4447 3.3857 3.3189 3.2432 16 3.5858 3.5408 3.4898 3.4320 3.3666 17 3.6687 3.6297 3.5855 3.5354 3.4787 18 3.7557 3.7215 3.6829 3.6391 3.5895 19 3.8211 3.7916 3.7582 3.7204 3.6775 20 3.9006 3.8746 3.8452 3.8119 3.7742 21 3.9686 3.9459 3.9202 3.8910 3.8581 22 4.0250 4.0053 3.9830 3.9577 3.9291 23 4.0785 4.0613 4.0417 4.0196 3.9945 24 4.1390 4.1236 4.1063 4.0866 4.0643 25 4.1895 4.1760 4.1608 4.1436 4.1241 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.2925 17 3.4145 3.3418 18 3.5334 3.4698 3.3978 19 3.6290 3.5740 3.5118 3.4413 20 3.7315 3.6831 3.6284 3.5664 3.4961 21 3.8208 3.7785 3.7306 3.6764 3.6150 22 3.8967 3.8600 3.8185 3.7714 3.7181 23 3.9662 3.9340 3.8977 3.8565 3.8098 24 4.0391 4.0105 3.9781 3.9415 3.9000 25 4.1020 4.0769 4.0486 4.0165 3.9802 21ST 22ND 23RD 24TH 25TH 21 3.5455 22 3.6578 3.5895 23 3.7570 3.6971 3.6294 24 3.8530 3.7998 3.7395 3.6713 25 3.9390 3.8924 3.8396 3.7799 3.7122 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 71 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.0693 3.0361 2.9986 2.9560 2.9078 11 3.1315 3.1035 3.0718 3.0359 2.9953 12 3.1833 3.1595 3.1326 3.1022 3.0677 13 3.2348 3.2145 3.1915 3.1655 3.1360 14 3.2959 3.2785 3.2587 3.2363 3.2109 15 3.3470 3.3319 3.3149 3.2957 3.2738 16 3.3978 3.3849 3.3701 3.3535 3.3346 17 3.4386 3.4273 3.4146 3.4001 3.3838 18 3.4992 3.4893 3.4782 3.4655 3.4513 19 3.5297 3.5212 3.5116 3.5007 3.4883 20 3.5802 3.5727 3.5642 3.5546 3.5437 21 3.6206 3.6140 3.6066 3.5982 3.5887 22 3.6509 3.6452 3.6388 3.6315 3.6233 23 3.6912 3.6863 3.6806 3.6742 3.6670 24 3.7315 3.7270 3.7220 3.7164 3.7099 25 3.7717 3.7678 3.7634 3.7585 3.7528 6TH 7TH 8TH 9TH 10TH 10 2.8533 2.7915 2.7215 2.6423 2.5526 11 2.9492 2.8971 2.8381 2.7712 2.6955 12 3.0286 2.9844 2.9343 2.8776 2.8134 13 3.1026 3.0648 3.0220 2.9736 2.9187 14 3.1822 3.1497 3.1129 3.0712 3.0239 15 3.2491 3.2211 3.1894 3.1535 3.1129 16 3.3133 3.2891 3.2617 3.2307 3.1956 17 3.3653 3.3443 3.3205 3.2937 3.2632 18 3.4351 3.4167 3.3960 3.3725 3.3458 19 3.4743 3.4585 3.4405 3.4202 3.3972 20 3.5314 3.5175 3.5017 3.4838 3.4635 21 3.5779 3.5658 3.5519 3.5363 3.5186 22 3.6139 3.6034 3.5914 3.5778 3.5624 23 3.6588 3.6496 3.6391 3.6272 3.6137 24 3.7026 3.6944 3.6851 3.6745 3.6625 25 3.7465 3.7392 3.7311 3.7218 3.7113 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 72 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 12.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.6098 12 2.7407 2.6583 13 2.8566 2.7862 2.7065 14 2.9705 2.9099 2.8413 2.7636 15 3.0669 3.0147 2.9557 2.8889 2.8132 16 3.1558 3.1108 3.0598 3.0020 2.9366 17 3.2287 3.1897 3.1455 3.0954 3.0387 18 3.3157 3.2815 3.2429 3.1991 3.1495 19 3.3711 3.3416 3.3082 3.2704 3.2275 20 3.4406 3.4146 3.3852 3.3519 3.3142 21 3.4986 3.4759 3.4502 3.4210 3.3881 22 3.5450 3.5253 3.5030 3.4777 3.4491 23 3.5985 3.5813 3.5617 3.5396 3.5145 24 3.6490 3.6336 3.6163 3.5966 3.5743 25 3.6995 3.6860 3.6708 3.6536 3.6341 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 2.8625 17 2.9745 2.9018 18 3.0934 3.0298 2.9578 19 3.1790 3.1240 3.0618 2.9913 20 3.2715 3.2231 3.1684 3.1064 3.0361 21 3.3508 3.3085 3.2606 3.2064 3.1450 22 3.4167 3.3800 3.3385 3.2914 3.2381 23 3.4862 3.4540 3.4177 3.3765 3.3298 24 3.5491 3.5205 3.4881 3.4515 3.4100 25 3.6120 3.5869 3.5586 3.5265 3.4902 21ST 22ND 23RD 24TH 25TH 21 3.0755 22 3.1778 3.1095 23 3.2770 3.2171 3.1494 24 3.3630 3.3098 3.2495 3.1813 25 3.4490 3.4024 3.3496 3.2899 3.2222 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 72 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 6.7397 6.7073 6.6704 6.6284 6.5806 11 6.8419 6.8147 6.7837 6.7485 6.7084 12 6.9436 6.9206 6.8944 6.8646 6.8307 13 7.0551 7.0354 7.0131 6.9877 6.9588 14 7.1463 7.1295 7.1104 7.0886 7.0639 15 7.2473 7.2328 7.2164 7.1978 7.1765 16 7.3381 7.3258 7.3117 7.2957 7.2775 17 7.4288 7.4181 7.4059 7.3921 7.3763 18 7.5194 7.5101 7.4996 7.4875 7.4739 19 7.6100 7.6019 7.5928 7.5824 7.5706 20 7.7004 7.6934 7.6854 7.6764 7.6660 21 7.7807 7.7746 7.7676 7.7597 7.7507 22 7.8611 7.8557 7.8497 7.8427 7.8349 23 7.9414 7.9368 7.9315 7.9255 7.9187 24 8.0216 8.0175 8.0129 8.0076 8.0016 25 8.0918 8.0883 8.0843 8.0797 8.0746 6TH 7TH 8TH 9TH 10TH 10 6.5263 6.4644 6.3940 6.3139 6.2227 11 6.6628 6.6108 6.5518 6.4845 6.4080 12 6.7921 6.7481 6.6981 6.6412 6.5765 13 6.9258 6.8884 6.8458 6.7972 6.7420 14 7.0358 7.0037 6.9673 6.9258 6.8785 15 7.1523 7.1248 7.0935 7.0579 7.0173 16 7.2567 7.2331 7.2063 7.1757 7.1409 17 7.3583 7.3379 7.3146 7.2882 7.2580 18 7.4583 7.4406 7.4204 7.3974 7.3713 19 7.5571 7.5418 7.5244 7.5045 7.4820 20 7.6543 7.6410 7.6258 7.6085 7.5888 21 7.7404 7.7287 7.7154 7.7002 7.6830 22 7.8259 7.8157 7.8041 7.7909 7.7759 23 7.9109 7.9021 7.8920 7.8806 7.8675 24 7.9948 7.9870 7.9781 7.9680 7.9566 25 8.0686 8.0619 8.0543 8.0455 8.0356 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 73 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 6.3209 12 6.5028 6.4189 13 6.6792 6.6077 6.5263 14 6.8248 6.7637 6.6941 6.6149 15 6.9712 6.9186 6.8589 6.7908 6.7134 16 7.1013 7.0563 7.0050 6.9467 6.8803 17 7.2238 7.1847 7.1404 7.0898 7.0323 18 7.3416 7.3077 7.2692 7.2254 7.1755 19 7.4563 7.4270 7.3938 7.3559 7.3128 20 7.5664 7.5409 7.5119 7.4788 7.4413 21 7.6634 7.6410 7.6156 7.5867 7.5538 22 7.7588 7.7393 7.7172 7.6920 7.6633 23 7.8527 7.8358 7.8166 7.7948 7.7699 24 7.9435 7.9287 7.9118 7.8925 7.8706 25 8.0243 8.0115 7.9969 7.9802 7.9613 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 6.8047 17 6.9669 6.8924 18 7.1188 7.0542 6.9807 19 7.2638 7.2080 7.1445 7.0722 20 7.3985 7.3498 7.2944 7.2314 7.1597 21 7.5163 7.4737 7.4252 7.3699 7.3071 22 7.6307 7.5935 7.5513 7.5032 7.4484 23 7.7416 7.7094 7.6728 7.6311 7.5836 24 7.8457 7.8173 7.7851 7.7483 7.7065 25 7.9398 7.9152 7.8873 7.8556 7.8195 21ST 22ND 23RD 24TH 25TH 21 7.2356 22 7.3861 7.3152 23 7.5296 7.4681 7.3982 24 7.6590 7.6048 7.5432 7.4731 25 7.7783 7.7315 7.6783 7.6177 7.5487 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 73 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.3797 5.3473 5.3104 5.2684 5.2206 11 5.4719 5.4447 5.4137 5.3785 5.3384 12 5.5636 5.5406 5.5144 5.4846 5.4507 13 5.6551 5.6354 5.6131 5.5877 5.5588 14 5.7463 5.7295 5.7104 5.6886 5.6639 15 5.8373 5.8228 5.8064 5.7878 5.7665 16 5.9181 5.9058 5.8917 5.8757 5.8575 17 5.9988 5.9881 5.9759 5.9621 5.9463 18 6.0794 6.0701 6.0596 6.0475 6.0339 19 6.1600 6.1519 6.1428 6.1324 6.1206 20 6.2404 6.2334 6.2254 6.2164 6.2060 21 6.3107 6.3046 6.2976 6.2897 6.2807 22 6.3811 6.3757 6.3697 6.3627 6.3549 23 6.4514 6.4468 6.4415 6.4355 6.4287 24 6.5216 6.5175 6.5129 6.5076 6.5016 25 6.5818 6.5783 6.5743 6.5697 6.5646 6TH 7TH 8TH 9TH 10TH 10 5.1663 5.1044 5.0340 4.9539 4.8627 11 5.2928 5.2408 5.1818 5.1145 5.0380 12 5.4121 5.3681 5.3181 5.2612 5.1965 13 5.5258 5.4884 5.4458 5.3972 5.3420 14 5.6358 5.6037 5.5673 5.5258 5.4785 15 5.7423 5.7148 5.6835 5.6479 5.6073 16 5.8367 5.8131 5.7863 5.7557 5.7209 17 5.9283 5.9079 5.8846 5.8582 5.8280 18 6.0183 6.0006 5.9804 5.9574 5.9313 19 6.1071 6.0918 6.0744 6.0545 6.0320 20 6.1943 6.1810 6.1658 6.1485 6.1288 21 6.2704 6.2587 6.2454 6.2302 6.2130 22 6.3459 6.3357 6.3241 6.3109 6.2959 23 6.4209 6.4121 6.4020 6.3906 6.3775 24 6.4948 6.4870 6.4781 6.4680 6.4566 25 6.5586 6.5519 6.5443 6.5355 6.5256 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 74 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.9509 12 5.1228 5.0389 13 5.2792 5.2077 5.1263 14 5.4248 5.3637 5.2941 5.2149 15 5.5612 5.5086 5.4489 5.3808 5.3034 16 5.6813 5.6363 5.5850 5.5267 5.4603 17 5.7938 5.7547 5.7104 5.6598 5.6023 18 5.9016 5.8677 5.8292 5.7854 5.7355 19 6.0063 5.9770 5.9438 5.9059 5.8628 20 6.1064 6.0809 6.0519 6.0188 5.9813 21 6.1934 6.1710 6.1456 6.1167 6.0838 22 6.2788 6.2593 6.2372 6.2120 6.1833 23 6.3627 6.3458 6.3266 6.3048 6.2799 24 6.4435 6.4287 6.4118 6.3925 6.3706 25 6.5143 6.5015 6.4869 6.4702 6.4513 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.3847 17 5.5369 5.4624 18 5.6788 5.6142 5.5407 19 5.8138 5.7580 5.6945 5.6222 20 5.9385 5.8898 5.8344 5.7714 5.6997 21 6.0463 6.0037 5.9552 5.8999 5.8371 22 6.1507 6.1135 6.0713 6.0232 5.9684 23 6.2516 6.2194 6.1828 6.1411 6.0936 24 6.3457 6.3173 6.2851 6.2483 6.2065 25 6.4298 6.4052 6.3773 6.3456 6.3095 21ST 22ND 23RD 24TH 25TH 21 5.7656 22 5.9061 5.8352 23 6.0396 5.9781 5.9082 24 6.1590 6.1048 6.0432 5.9731 25 6.2683 6.2215 6.1683 6.1077 6.0387 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 74 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.0197 4.9873 4.9504 4.9084 4.8606 11 5.1019 5.0747 5.0437 5.0085 4.9684 12 5.1936 5.1706 5.1444 5.1146 5.0807 13 5.2851 5.2654 5.2431 5.2177 5.1888 14 5.3663 5.3495 5.3304 5.3086 5.2839 15 5.4573 5.4428 5.4264 5.4078 5.3865 16 5.5281 5.5158 5.5017 5.4857 5.4675 17 5.6088 5.5981 5.5859 5.5721 5.5563 18 5.6894 5.6801 5.6696 5.6575 5.6439 19 5.7600 5.7519 5.7428 5.7324 5.7206 20 5.8304 5.8234 5.8154 5.8064 5.7960 21 5.9107 5.9046 5.8976 5.8897 5.8807 22 5.9711 5.9657 5.9597 5.9527 5.9449 23 6.0314 6.0268 6.0215 6.0155 6.0087 24 6.1016 6.0975 6.0929 6.0876 6.0816 25 6.1518 6.1483 6.1443 6.1397 6.1346 6TH 7TH 8TH 9TH 10TH 10 4.8063 4.7444 4.6740 4.5939 4.5027 11 4.9228 4.8708 4.8118 4.7445 4.6680 12 5.0421 4.9981 4.9481 4.8912 4.8265 13 5.1558 5.1184 5.0758 5.0272 4.9720 14 5.2558 5.2237 5.1873 5.1458 5.0985 15 5.3623 5.3348 5.3035 5.2679 5.2273 16 5.4467 5.4231 5.3963 5.3657 5.3309 17 5.5383 5.5179 5.4946 5.4682 5.4380 18 5.6283 5.6106 5.5904 5.5674 5.5413 19 5.7071 5.6918 5.6744 5.6545 5.6320 20 5.7843 5.7710 5.7558 5.7385 5.7188 21 5.8704 5.8587 5.8454 5.8302 5.8130 22 5.9359 5.9257 5.9141 5.9009 5.8859 23 6.0009 5.9921 5.9820 5.9706 5.9575 24 6.0748 6.0670 6.0581 6.0480 6.0366 25 6.1286 6.1219 6.1143 6.1055 6.0956 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 75 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.5809 12 4.7528 4.6689 13 4.9092 4.8377 4.7563 14 5.0448 4.9837 4.9141 4.8349 15 5.1812 5.1286 5.0689 5.0008 4.9234 16 5.2913 5.2463 5.1950 5.1367 5.0703 17 5.4038 5.3647 5.3204 5.2698 5.2123 18 5.5116 5.4777 5.4392 5.3954 5.3455 19 5.6063 5.5770 5.5438 5.5059 5.4628 20 5.6964 5.6709 5.6419 5.6088 5.5713 21 5.7934 5.7710 5.7456 5.7167 5.6838 22 5.8688 5.8493 5.8272 5.8020 5.7733 23 5.9427 5.9258 5.9066 5.8848 5.8599 24 6.0235 6.0087 5.9918 5.9725 5.9506 25 6.0843 6.0715 6.0569 6.0402 6.0213 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.9947 17 5.1469 5.0724 18 5.2888 5.2242 5.1507 19 5.4138 5.3580 5.2945 5.2222 20 5.5285 5.4798 5.4244 5.3614 5.2897 21 5.6463 5.6037 5.5552 5.4999 5.4371 22 5.7407 5.7035 5.6613 5.6132 5.5584 23 5.8316 5.7994 5.7628 5.7211 5.6736 24 5.9257 5.8973 5.8651 5.8283 5.7865 25 5.9998 5.9752 5.9473 5.9156 5.8795 21ST 22ND 23RD 24TH 25TH 21 5.3656 22 5.4961 5.4252 23 5.6196 5.5581 5.4882 24 5.7390 5.6848 5.6232 5.5531 25 5.8383 5.7915 5.7383 5.6777 5.6087 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 75 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.8997 4.8673 4.8304 4.7884 4.7406 11 4.9819 4.9547 4.9237 4.8885 4.8484 12 5.0736 5.0506 5.0244 4.9946 4.9607 13 5.1551 5.1354 5.1131 5.0877 5.0588 14 5.2463 5.2295 5.2104 5.1886 5.1639 15 5.3273 5.3128 5.2964 5.2778 5.2565 16 5.3981 5.3858 5.3717 5.3557 5.3375 17 5.4788 5.4681 5.4559 5.4421 5.4263 18 5.5494 5.5401 5.5296 5.5175 5.5039 19 5.6200 5.6119 5.6028 5.5924 5.5806 20 5.7004 5.6934 5.6854 5.6764 5.6660 21 5.7707 5.7646 5.7576 5.7497 5.7407 22 5.8311 5.8257 5.8197 5.8127 5.8049 23 5.8914 5.8868 5.8815 5.8755 5.8687 24 5.9616 5.9575 5.9529 5.9476 5.9416 25 6.0118 6.0083 6.0043 5.9997 5.9946 6TH 7TH 8TH 9TH 10TH 10 4.6863 4.6244 4.5540 4.4739 4.3827 11 4.8028 4.7508 4.6918 4.6245 4.5480 12 4.9221 4.8781 4.8281 4.7712 4.7065 13 5.0258 4.9884 4.9458 4.8972 4.8420 14 5.1358 5.1037 5.0673 5.0258 4.9785 15 5.2323 5.2048 5.1735 5.1379 5.0973 16 5.3167 5.2931 5.2663 5.2357 5.2009 17 5.4083 5.3879 5.3646 5.3382 5.3080 18 5.4883 5.4706 5.4504 5.4274 5.4013 19 5.5671 5.5518 5.5344 5.5145 5.4920 20 5.6543 5.6410 5.6258 5.6085 5.5888 21 5.7304 5.7187 5.7054 5.6902 5.6730 22 5.7959 5.7857 5.7741 5.7609 5.7459 23 5.8609 5.8521 5.8420 5.8306 5.8175 24 5.9348 5.9270 5.9181 5.9080 5.8966 25 5.9886 5.9819 5.9743 5.9655 5.9556 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 76 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.4609 12 4.6328 4.5489 13 4.7792 4.7077 4.6263 14 4.9248 4.8637 4.7941 4.7149 15 5.0512 4.9986 4.9389 4.8708 4.7934 16 5.1613 5.1163 5.0650 5.0067 4.9403 17 5.2738 5.2347 5.1904 5.1398 5.0823 18 5.3716 5.3377 5.2992 5.2554 5.2055 19 5.4663 5.4370 5.4038 5.3659 5.3228 20 5.5664 5.5409 5.5119 5.4788 5.4413 21 5.6534 5.6310 5.6056 5.5767 5.5438 22 5.7288 5.7093 5.6872 5.6620 5.6333 23 5.8027 5.7858 5.7666 5.7448 5.7199 24 5.8835 5.8687 5.8518 5.8325 5.8106 25 5.9443 5.9315 5.9169 5.9002 5.8813 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.8647 17 5.0169 4.9424 18 5.1488 5.0842 5.0107 19 5.2738 5.2180 5.1545 5.0822 20 5.3985 5.3498 5.2944 5.2314 5.1597 21 5.5063 5.4637 5.4152 5.3599 5.2971 22 5.6007 5.5635 5.5213 5.4732 5.4184 23 5.6916 5.6594 5.6228 5.5811 5.5336 24 5.7857 5.7573 5.7251 5.6883 5.6465 25 5.8598 5.8352 5.8073 5.7756 5.7395 21ST 22ND 23RD 24TH 25TH 21 5.2256 22 5.3561 5.2852 23 5.4796 5.4181 5.3482 24 5.5990 5.5448 5.4832 5.4131 25 5.6983 5.6515 5.5983 5.5377 5.4687 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 76 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.6497 4.6173 4.5804 4.5384 4.4906 11 4.7319 4.7047 4.6737 4.6385 4.5984 12 4.8136 4.7906 4.7644 4.7346 4.7007 13 4.9051 4.8854 4.8631 4.8377 4.8088 14 4.9863 4.9695 4.9504 4.9286 4.9039 15 5.0573 5.0428 5.0264 5.0078 4.9865 16 5.1281 5.1158 5.1017 5.0857 5.0675 17 5.2088 5.1981 5.1859 5.1721 5.1563 18 5.2794 5.2701 5.2596 5.2475 5.2339 19 5.3500 5.3419 5.3328 5.3224 5.3106 20 5.4204 5.4134 5.4054 5.3964 5.3860 21 5.4907 5.4846 5.4776 5.4697 5.4607 22 5.5511 5.5457 5.5397 5.5327 5.5249 23 5.6014 5.5968 5.5915 5.5855 5.5787 24 5.6616 5.6575 5.6529 5.6476 5.6416 25 5.7118 5.7083 5.7043 5.6997 5.6946 6TH 7TH 8TH 9TH 10TH 10 4.4363 4.3744 4.3040 4.2239 4.1327 11 4.5528 4.5008 4.4418 4.3745 4.2980 12 4.6621 4.6181 4.5681 4.5112 4.4465 13 4.7758 4.7384 4.6958 4.6472 4.5920 14 4.8758 4.8437 4.8073 4.7658 4.7185 15 4.9623 4.9348 4.9035 4.8679 4.8273 16 5.0467 5.0231 4.9963 4.9657 4.9309 17 5.1383 5.1179 5.0946 5.0682 5.0380 18 5.2183 5.2006 5.1804 5.1574 5.1313 19 5.2971 5.2818 5.2644 5.2445 5.2220 20 5.3743 5.3610 5.3458 5.3285 5.3088 21 5.4504 5.4387 5.4254 5.4102 5.3930 22 5.5159 5.5057 5.4941 5.4809 5.4659 23 5.5709 5.5621 5.5520 5.5406 5.5275 24 5.6348 5.6270 5.6181 5.6080 5.5966 25 5.6886 5.6819 5.6743 5.6655 5.6556 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 77 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.2109 12 4.3728 4.2889 13 4.5292 4.4577 4.3763 14 4.6648 4.6037 4.5341 4.4549 15 4.7812 4.7286 4.6689 4.6008 4.5234 16 4.8913 4.8463 4.7950 4.7367 4.6703 17 5.0038 4.9647 4.9204 4.8698 4.8123 18 5.1016 5.0677 5.0292 4.9854 4.9355 19 5.1963 5.1670 5.1338 5.0959 5.0528 20 5.2864 5.2609 5.2319 5.1988 5.1613 21 5.3734 5.3510 5.3256 5.2967 5.2638 22 5.4488 5.4293 5.4072 5.3820 5.3533 23 5.5127 5.4958 5.4766 5.4548 5.4299 24 5.5835 5.5687 5.5518 5.5325 5.5106 25 5.6443 5.6315 5.6169 5.6002 5.5813 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.5947 17 4.7469 4.6724 18 4.8788 4.8142 4.7407 19 5.0038 4.9480 4.8845 4.8122 20 5.1185 5.0698 5.0144 4.9514 4.8797 21 5.2263 5.1837 5.1352 5.0799 5.0171 22 5.3207 5.2835 5.2413 5.1932 5.1384 23 5.4016 5.3694 5.3328 5.2411 5.2436 24 5.4857 5.4573 5.4251 5.3883 5.3465 25 5.5598 5.5352 5.5073 5.4756 5.4395 21ST 22ND 23RD 24TH 25TH 21 4.9456 22 5.0761 5.0052 23 5.1896 5.1281 5.0582 24 5.2990 5.2448 5.1832 5.1131 25 5.3983 5.3515 5.2983 5.2377 5.1687 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 77 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.3997 4.3673 4.3304 4.2884 4.2406 11 4.4819 4.4547 4.4237 4.3885 4.3484 12 4.5636 4.5406 4.5144 4.4846 4.4507 13 4.6451 4.6254 4.6031 4.5777 4.5488 14 4.7163 4.6995 4.6804 4.6586 4.6339 15 4.7973 4.7828 4.7664 4.7478 4.7265 16 4.8581 4.8458 4.8317 4.8157 4.7975 17 4.9288 4.9181 4.9059 4.8921 4.8763 18 4.9994 4.9901 4.9796 4.9675 4.9539 19 5.0600 5.0519 5.0428 5.0324 5.0206 20 5.1304 5.1234 5.1154 5.1064 5.0960 21 5.2007 5.1946 5.1876 5.1797 5.1707 22 5.2511 5.2457 5.2397 5.2327 5.2249 23 5.3114 5.3068 5.3015 5.2955 5.2887 24 5.3716 5.3675 5.3629 5.3576 5.3516 25 5.4118 5.4083 5.4043 5.3997 5.3946 6TH 7TH 8TH 9TH 10TH 10 4.1863 4.1244 4.0540 3.9739 3.8827 11 4.3028 4.2508 4.1918 4.1245 4.0480 12 4.4121 4.3681 4.3181 4.2612 4.1965 13 4.5158 4.4784 4.4358 4.3872 4.3320 14 4.6058 4.5737 4.5373 4.4958 4.4485 15 4.7023 4.6748 4.6435 4.6079 4.5673 16 4.7767 4.7531 4.7263 4.6957 4.6609 17 4.8583 4.8379 4.8146 4.7882 4.7580 18 4.9383 4.9206 4.9004 4.8774 4.8513 19 5.0071 4.9918 4.9744 4.9545 4.9320 20 5.0843 5.0710 5.0558 5.0385 5.0188 21 5.1604 5.1487 5.1354 5.1202 5.1030 22 5.2159 5.2057 5.1941 5.1809 5.1659 23 5.2809 5.2721 5.2620 5.2506 5.2375 24 5.3448 5.3370 5.3281 5.3180 5.3066 25 5.3886 5.3819 5.3743 5.3655 5.3556 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 78 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.9609 12 4.1228 4.0389 13 4.2692 4.1977 4.1163 14 4.3948 4.3337 4.2641 4.1849 15 4.5212 4.4686 4.4089 4.3408 4.2634 16 4.6213 4.5763 4.5250 4.4667 4.4003 17 4.7238 4.6847 4.6404 4.5898 4.5323 18 4.8216 4.7877 4.7492 4.7054 4.6555 19 4.9063 4.8770 4.8438 4.8059 4.7628 20 4.9964 4.9709 4.9419 4.9088 4.8713 21 5.0834 5.0610 5.0356 5.0067 4.9738 22 5.1488 5.1293 5.1072 5.0820 5.0533 23 5.2227 5.2058 5.1866 5.1648 5.1399 24 5.2935 5.2787 5.2618 5.2425 5.2206 25 5.3443 5.3315 5.3169 5.3002 5.2813 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.3247 17 4.4669 4.3924 18 4.5988 4.5342 4.4607 19 4.7138 4.6580 4.5945 4.5222 20 4.8285 4.7798 4.7244 4.6614 4.5897 21 4.9363 4.8937 4.8452 4.7899 4.7271 22 5.0207 4.9835 4.9413 4.8932 4.8384 23 5.1116 5.0794 5.0428 5.0011 4.9536 24 5.1957 5.1673 5.1351 5.0983 5.0565 25 5.2598 5.2352 5.2073 5.1756 5.1395 21ST 22ND 23RD 24TH 25TH 21 4.6556 22 4.7761 4.7052 23 4.8996 4.8381 4.7682 24 5.0090 4.9548 4.8932 4.8231 25 5.0983 5.0515 4.9983 4.9377 4.8687 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 78 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.0197 3.9873 3.9504 3.9084 3.8606 11 4.0919 4.0647 4.0337 3.9985 3.9584 12 4.1636 4.1406 4.1144 4.0846 4.0507 13 4.2451 4.2254 4.2031 4.1777 4.1488 14 4.3163 4.2995 4.2804 4.2586 4.2339 15 4.3873 4.3728 4.3564 4.3378 4.3165 16 4.4381 4.4258 4.4117 4.3957 4.3775 17 4.5088 4.4981 4.4859 4.4721 4.4563 18 4.5794 4.5701 4.5596 4.5475 4.5339 19 4.6300 4.6219 4.6128 4.6024 4.5906 20 4.6904 4.6834 4.6754 4.6664 4.6560 21 4.7507 4.7446 4.7376 4.7297 4.7207 22 4.8011 4.7957 4.7897 4.7827 4.7749 23 4.8514 4.8468 4.8415 4.8355 4.8287 24 4.9016 4.8975 4.8929 4.8876 4.8816 25 4.9518 4.9483 4.9443 4.9397 4.9346 6TH 7TH 8TH 9TH 10TH 10 3.8063 3.7444 3.6740 3.5939 3.5027 11 3.9128 3.8608 3.8018 3.7345 3.6580 12 4.0121 3.9681 3.9181 3.8612 3.7965 13 4.1158 4.0784 4.0358 3.9872 3.9320 14 4.2058 4.1737 4.1373 4.0958 4.0485 15 4.2923 4.2648 4.2335 4.1979 4.1573 16 4.3567 4.3331 4.3063 4.2757 4.2409 17 4.4383 4.4179 4.3946 4.3682 4.3380 18 4.5183 4.5006 4.4804 4.4574 4.4313 19 4.5771 4.5618 4.5444 4.5245 4.5020 20 4.6443 4.6310 4.6158 4.5985 4.5788 21 4.7104 4.6987 4.6854 4.6702 4.6530 22 4.7659 4.7557 4.7441 4.7309 4.7159 23 4.8209 4.8121 4.8020 4.7906 4.7775 24 4.8748 4.8670 4.8581 4.8480 4.8366 25 4.9286 4.9219 4.9143 4.9055 4.8956 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 79 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.5709 12 3.7228 3.6389 13 3.8692 3.7977 3.7163 14 3.9948 3.9337 3.8641 3.7849 15 4.1112 4.0586 3.9989 3.9308 3.8534 16 4.2013 4.1563 4.1050 4.0467 3.9803 17 4.3038 4.2647 4.2204 4.1698 4.1123 18 4.4016 4.3677 4.3292 4.2854 4.2355 19 4.4763 4.4470 4.4138 4.3759 4.3328 20 4.5564 4.5309 4.5019 4.4688 4.4313 21 4.6334 4.6110 4.5856 4.5567 4.5238 22 4.6988 4.6793 4.6572 4.6320 4.6033 23 4.7627 4.7458 4.7266 4.7048 4.6799 24 4.8235 4.8087 4.7918 4.7725 4.7506 25 4.8843 4.8715 4.8569 4.8402 4.8213 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.9047 17 4.0469 3.9724 18 4.1788 4.1142 4.0407 19 4.2838 4.2280 4.1645 4.0922 20 4.3885 4.3398 4.2844 4.2214 4.1497 21 4.4863 4.4437 4.3952 4.3399 4.2771 22 4.5707 4.5335 4.4913 4.4432 4.3884 23 4.6516 4.6194 4.5828 4.5411 4.4936 24 4.7257 4.6973 4.6651 4.6283 4.5865 25 4.7998 4.7752 4.7473 4.7156 4.6795 21ST 22ND 23RD 24TH 25TH 21 4.2056 22 4.3261 4.2552 23 4.4396 4.3781 4.3082 24 4.5390 4.4848 4.4232 4.3531 25 4.6383 4.5915 4.5383 4.4777 4.4087 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 79 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.7597 3.7273 3.6904 3.6484 3.6006 11 3.8319 3.8047 3.7737 3.7385 3.6984 12 3.9036 3.8806 3.8544 3.8246 3.7907 13 3.9751 3.9554 3.9331 3.9077 3.8788 14 4.0363 4.0195 4.0004 3.9786 3.9539 15 4.1073 4.0928 4.0764 4.0578 4.0365 16 4.1581 4.1458 4.1317 4.1157 4.0975 17 4.2188 4.2081 4.1959 4.1821 4.1663 18 4.2794 4.2701 4.2596 4.2475 4.2339 19 4.3300 4.3219 4.3128 4.3024 4.2906 20 4.3904 4.3834 4.3754 4.3664 4.3560 21 4.4507 4.4446 4.4376 4.4297 4.4207 22 4.5011 4.4957 4.4897 4.4827 4.4749 23 4.5414 4.5368 4.5315 4.5255 4.5187 24 4.5916 4.5875 4.5829 4.5776 4.5716 25 4.6318 4.6283 4.6243 4.6197 4.6146 6TH 7TH 8TH 9TH 10TH 10 3.5463 3.4844 3.4140 3.3339 3.2427 11 3.6528 3.6008 3.5418 3.4745 3.3980 12 3.7521 3.7081 3.6581 3.6012 3.5365 13 3.8458 3.8084 3.7658 3.7172 3.6620 14 3.9258 3.8937 3.8573 3.8158 3.7685 15 4.0123 3.9848 3.9535 3.9179 3.8773 16 4.0767 4.0531 4.0263 3.9957 3.9609 17 4.1483 4.1279 4.1046 4.0782 4.0480 18 4.2183 4.2006 4.1804 4.1574 4.1313 19 4.2771 4.2618 4.2444 4.2245 4.2020 20 4.3443 4.3310 4.3158 4.2985 4.2788 21 4.4104 4.3987 4.3854 4.3702 4.3530 22 4.4659 4.4557 4.4441 4.4309 4.4159 23 4.5109 4.5021 4.4920 4.4806 4.4675 24 4.5648 4.5570 4.5481 4.5380 4.5266 25 4.6086 4.6019 4.5943 4.5855 4.5756 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 80 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.3109 12 3.4628 3.3789 13 3.5992 3.5277 3.4463 14 3.7148 3.6537 3.5841 3.5049 15 3.8312 3.7786 3.7189 3.6508 3.5734 16 3.9213 3.8763 3.8250 3.7667 3.7003 17 4.0138 3.9747 3.9304 3.8798 3.8223 18 4.1016 4.0677 4.0292 3.9854 3.9355 19 4.1763 4.1470 4.1138 4.0759 4.0328 20 4.2564 4.2309 4.2019 4.1688 4.1313 21 4.3334 4.3110 4.2856 4.2567 4.2238 22 4.3988 4.3793 4.3572 4.3320 4.3033 23 4.4527 4.4358 4.4166 4.3948 4.3699 24 4.5135 4.4987 4.4818 4.4625 4.4406 25 4.5643 4.5515 4.5369 4.5202 4.5013 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.6247 17 3.7569 3.6824 18 3.8788 3.8142 3.7407 19 3.9838 3.9280 3.8645 3.7922 20 4.0885 4.0398 3.9844 3.9214 3.8497 21 4.1863 4.1437 4.0952 4.0399 3.9771 22 4.2707 4.2335 4.1913 4.1432 4.0884 23 4.3416 4.3094 4.2728 4.2311 4.1836 24 4.4157 4.3873 4.3551 4.3183 4.2765 25 4.4798 4.4552 4.4273 4.3956 4.3595 21ST 22ND 23RD 24TH 25TH 21 3.9056 22 4.0261 3.9552 23 4.1296 4.0681 3.9982 24 4.2290 4.1748 4.1132 4.0431 25 4.3183 4.2715 4.2183 4.1577 4.0887 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 80 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.3697 3.3373 3.3004 3.2584 3.2106 11 3.4319 3.4047 3.3737 3.3385 3.2984 12 3.4936 3.4706 3.4444 3.4146 3.3807 13 3.5551 3.5354 3.5131 3.4877 3.4588 14 3.6163 3.5995 3.5804 3.5586 3.5339 15 3.6773 3.6628 3.6464 3.6278 3.6065 16 3.7281 3.7158 3.7017 3.6857 3.6675 17 3.7788 3.7681 3.7559 3.7421 3.7263 18 3.8394 3.8301 3.8196 3.8075 3.7939 19 3.8800 3.8719 3.8628 3.8524 3.8406 20 3.9304 3.9234 3.9154 3.9064 3.8960 21 3.9807 3.9746 3.9676 3.9597 3.9507 22 4.0211 4.0157 4.0097 4.0027 3.9949 23 4.0614 4.0568 4.0515 4.0455 4.0387 24 4.1016 4.0975 4.0929 4.0876 4.0816 25 4.1418 4.1383 4.1343 4.1297 4.1246 6TH 7TH 8TH 9TH 10TH 10 3.1563 3.0944 3.0240 2.9439 2.8527 11 3.2528 3.2008 3.1418 3.0745 2.9980 12 3.3421 3.2981 3.2481 3.1912 3.1265 13 3.4258 3.3884 3.3458 3.2972 3.2420 14 3.5058 3.4737 3.4373 3.3958 3.3485 15 3.5823 3.5548 3.5235 3.4879 3.4473 16 3.6467 3.6231 3.5963 3.5657 3.5309 17 3.7083 3.6879 3.6646 3.6382 3.6080 18 3.7783 3.7606 3.7404 3.7174 3.6913 19 3.8271 3.8118 3.7944 3.7745 3.7520 20 3.8843 3.8710 3.8558 3.8385 3.8188 21 3.9404 3.9287 3.9154 3.9002 3.8830 22 3.9859 3.9757 3.9641 3.9509 3.9359 23 4.0309 4.0221 4.0120 4.0006 3.9875 24 4.0748 4.0670 4.0581 4.0480 4.0366 25 4.1186 4.1119 4.1043 4.0955 4.0856 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 81 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 2.9109 12 3.0528 2.9689 13 3.1792 3.1077 3.0263 14 3.2948 3.2337 3.1641 3.0849 15 3.4012 3.3486 3.2889 3.2208 3.1434 16 3.4913 3.4463 3.3950 3.3367 3.2703 17 3.5738 3.5347 3.4904 3.4398 3.3823 18 3.6616 3.6277 3.5892 3.5454 3.4955 19 3.7263 3.6970 3.6638 3.6259 3.5828 20 3.7964 3.7709 3.7419 3.7088 3.6713 21 3.8634 3.8410 3.8156 3.7867 3.7538 22 3.9188 3.8993 3.8772 3.8520 3.8233 23 3.9727 3.9558 3.9366 3.9148 3.8899 24 4.0235 4.0087 3.9918 3.9725 3.9506 25 4.0743 4.0615 4.0469 4.0302 4.0113 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.1947 17 3.3169 3.2424 18 3.4388 3.3742 3.3007 19 3.5338 3.4780 3.4145 3.3422 20 3.6285 3.5798 3.5244 3.4614 3.3897 21 3.7163 3.6737 3.6252 3.5699 3.5071 22 3.7907 3.7535 3.7113 3.6632 3.6084 23 3.8616 3.8294 3.7928 3.7511 3.7036 24 3.9257 3.8973 3.8651 3.8283 3.7865 25 3.9898 3.9652 3.9373 3.9056 3.8695 21ST 22ND 23RD 24TH 25TH 21 3.4356 22 3.5461 3.4752 23 3.6496 3.5881 3.5182 24 3.7390 3.6848 3.6232 3.5531 25 3.8283 3.7815 3.7283 3.6677 3.5987 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 81 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 7.0301 6.9985 6.9624 6.9212 6.8740 11 7.1422 7.1158 7.0856 7.0511 7.0116 12 7.2540 7.2317 7.2062 7.1771 7.1437 13 7.3654 7.3465 7.3250 7.3003 7.2720 14 7.4666 7.4505 7.4321 7.4110 7.3869 15 7.5775 7.5637 7.5480 7.5299 7.5093 16 7.6784 7.6666 7.6530 7.6376 7.6199 17 7.7691 7.7589 7.7473 7.7340 7.7189 18 7.8696 7.8608 7.8508 7.8393 7.8261 19 7.9701 7.9625 7.9538 7.9439 7.9325 20 8.0606 8.0540 8.0465 8.0379 8.0280 21 8.1409 8.1352 8.1287 8.1212 8.1127 22 8.2213 8.2164 8.2107 8.2043 8.1969 23 8.3115 8.3073 8.3024 8.2968 8.2904 24 8.3918 8.3880 8.3838 8.3789 8.3733 25 8.4720 8.4687 8.4650 8.4607 8.4559 6TH 7TH 8TH 9TH 10TH 10 6.8200 6.7582 6.6876 6.6068 6.5145 11 6.9664 6.9148 6.8557 6.7881 6.7109 12 7.1056 7.0620 7.0122 6.9552 6.8900 13 7.2398 7.2028 7.1606 7.1123 7.0571 14 7.3594 7.3279 7.2919 7.2507 7.2036 15 7.4857 7.4587 7.4278 7.3925 7.3521 16 7.5997 7.5766 7.5502 7.5199 7.4853 17 7.7015 7.6816 7.6589 7.6330 7.6033 18 7.8110 7.7938 7.7741 7.7516 7.7258 19 7.9195 7.9046 7.8875 7.8681 7.8458 20 8.0168 8.0039 7.9891 7.9723 7.9530 21 8.1029 8.0918 8.0790 8.0644 8.0477 22 8.1885 8.1789 8.1679 8.1553 8.1410 23 8.2830 8.2746 8.2651 8.2541 8.2416 24 8.3670 8.3597 8.3513 8.3418 8.3309 25 8.4503 8.4440 8.4367 8.4284 8.4189 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 82 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 6.6225 12 6.8154 6.7301 13 6.9939 6.9217 6.8391 14 7.1497 7.0881 7.0176 6.9370 15 7.3059 7.2531 7.1927 7.1236 7.0446 16 7.4458 7.4006 7.3489 7.2897 7.2220 17 7.5693 7.5304 7.4860 7.4352 7.3771 18 7.6964 7.6627 7.6242 7.5801 7.5297 19 7.8203 7.7912 7.7578 7.7197 7.6761 20 7.9310 7.9058 7.8770 7.8441 7.8064 21 8.0286 8.0067 7.9817 7.9531 7.9204 22 8.1245 8.1057 8.0842 8.0595 8.0314 23 8.2272 8.2109 8.1921 8.1707 8.1462 24 8.3184 8.3041 8.2878 8.2692 8.2478 25 8.4080 8.3955 8.3813 8.3650 8.3464 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 7.1447 17 7.3106 7.2346 18 7.4720 7.4061 7.3307 19 7.6263 7.5693 7.5040 7.4295 20 7.7633 7.7140 7.6576 7.5931 7.5194 21 7.8830 7.8403 7.7914 7.7354 7.6715 22 7.9992 7.9624 7.9203 7.8721 7.8170 23 8.1181 8.0860 8.0494 8.0074 7.9594 24 8.2234 8.1955 8.1636 8.1271 8.0853 25 8.3251 8.3008 8.2729 8.2411 8.2046 21ST 22ND 23RD 24TH 25TH 21 7.5983 22 7.7540 7.6820 23 7.9046 7.8418 7.7700 24 8.0376 7.9829 7.9205 7.8490 25 8.1630 8.1153 8.0608 7.9985 7.9272 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 82 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.6701 5.6385 5.6024 5.5612 5.5140 11 5.7722 5.7458 5.7156 5.6811 5.6416 12 5.8740 5.8517 5.8262 5.7971 5.7637 13 5.9654 5.9465 5.9250 5.9003 5.8720 14 6.0666 6.0505 6.0321 6.0110 5.9869 15 6.1675 6.1537 6.1380 6.1199 6.0993 16 6.2584 6.2466 6.2330 6.2176 6.1999 17 6.3391 6.3289 6.3173 6.3040 6.2889 18 6.4296 6.4208 6.4108 6.3993 6.3861 19 6.5201 6.5125 6.5038 6.4939 6.4825 20 6.6006 6.5940 6.5865 6.5779 6.5680 21 6.6709 6.6652 6.6587 6.6512 6.6427 22 6.7413 6.7364 6.7307 6.7243 6.7169 23 6.8215 6.8173 6.8124 6.8068 6.8004 24 6.8918 6.8880 6.8838 6.8789 6.8733 25 6.9620 6.9587 6.9550 6.9507 6.9459 6TH 7TH 8TH 9TH 10TH 10 5.4600 5.3982 5.3276 5.2468 5.1545 11 5.5964 5.5448 5.4857 5.4181 5.3409 12 5.7256 5.6820 5.6322 5.5752 5.5100 13 5.8398 5.8028 5.7606 5.7123 5.6571 14 5.9594 5.9279 5.8919 5.8507 5.8036 15 6.0757 6.0487 6.0178 5.9825 5.9421 16 6.1797 6.1566 6.1302 6.0999 6.0653 17 6.2715 6.2516 6.2289 6.2030 6.1733 18 6.3710 6.3538 6.3341 6.3116 6.2858 19 6.4695 6.4546 6.4375 6.4181 6.3958 20 6.5568 6.5439 6.5291 6.5123 6.4930 21 6.6329 6.6218 6.6090 6.5944 6.5777 22 6.7085 6.6989 6.6879 6.6753 6.6610 23 6.7930 6.7846 6.7751 6.7641 6.7516 24 6.8670 6.8597 6.8513 6.8418 6.8309 25 6.9403 6.9340 6.9267 6.9184 6.9089 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 83 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.2525 12 5.4354 5.3501 13 5.5939 5.5217 5.4391 14 5.7497 5.6881 5.6176 5.5370 15 5.8959 5.8431 5.7827 5.7136 5.6346 16 6.0258 5.9806 5.9289 5.8697 5.8020 17 6.1393 6.1004 6.0560 6.0052 5.9471 18 6.2564 6.2227 6.1842 6.1401 6.0897 19 6.3703 6.3412 6.3078 6.2697 6.2261 20 6.4710 6.4458 6.4170 6.3841 6.3464 21 6.5586 6.5367 6.5117 6.4831 6.4504 22 6.6445 6.6257 6.6042 6.5795 6.5514 23 6.7372 6.7209 6.7021 6.6807 6.6562 24 6.8184 6.8041 6.7878 6.7692 6.7478 25 6.8980 6.8855 6.8713 6.8550 6.8364 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.7247 17 5.8806 5.8046 18 6.0320 5.9661 5.8907 19 6.1763 6.1193 6.0540 5.9795 20 6.3033 6.2540 6.1976 6.1331 6.0594 21 6.4130 6.3703 6.3214 6.2654 6.2015 22 6.5192 6.4824 6.4403 6.3921 6.3370 23 6.6281 6.5960 6.5594 6.5174 6.4694 24 6.7234 6.6955 6.6636 6.6271 6.5853 25 6.8151 6.7908 6.7629 6.7311 6.6946 21ST 22ND 23RD 24TH 25TH 21 6.1283 22 6.2740 6.2020 23 6.4146 6.3518 6.2800 24 6.5376 6.4829 6.4205 6.3490 25 6.6530 6.6053 6.5508 6.4885 6.4172 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 83 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.3101 5.2785 5.2424 5.2012 5.1540 11 5.4022 5.3758 5.3456 5.3111 5.2716 12 5.5040 5.4817 5.4562 5.4271 5.3937 13 5.5954 5.5765 5.5550 5.5303 5.5020 14 5.6866 5.6705 5.6521 5.6310 5.6069 18 5.7875 5.7737 5.7580 5.7399 5.7193 16 5.8684 5.8566 5.8430 5.8276 5.8099 17 5.9491 5.9389 5.9273 5.9140 5.8989 18 6.0396 6.0308 6.0208 6.0093 5.9961 19 6.1201 6.1125 6.1038 6.0939 6.0825 20 6.1906 6.1840 6.1765 6.1679 6.1580 21 6.2709 6.2652 6.2587 6.2512 6.2427 22 6.3313 6.3264 6.3207 6.3143 6.3069 23 6.4015 6.3973 6.3924 6.3868 6.3804 24 6.4718 6.4680 6.4638 6.4589 6.4533 25 6.5320 6.5287 6.5250 6.5207 6.5159 6TH 7TH 8TH 9TH 10TH 10 5.1000 5.0382 4.9676 4.8068 4.7945 11 5.2264 5.1748 5.1157 5.0481 4.9709 12 5.3556 5.3120 5.2622 5.2052 5.1400 13 5.4698 5.4328 5.3906 5.3423 5.2871 14 5.5794 5.5479 5.5119 5.4707 5.4236 18 5.6957 5.6687 5.6378 5.6025 5.5621 16 5.7897 5.7666 5.7402 5.7099 5.6753 17 5.8815 5.8616 5.8389 5.8130 5.7833 18 5.9810 5.9638 5.9441 5.9216 5.8958 19 6.0695 6.0546 6.0375 6.0181 5.9958 20 6.1468 6.1339 6.1191 6.1023 6.0830 21 6.2329 6.2218 6.2090 6.1944 6.1777 22 6.2985 6.2889 6.2779 6.2653 6.2510 23 6.3730 6.3646 6.3551 6.3441 6.3316 24 6.4470 6.4397 6.4313 6.4218 6.4109 25 6.5103 6.5040 6.4967 6.4884 6.4789 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 84 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.8825 12 5.0654 4.9801 13 5.2239 5.1517 5.0691 14 5.3697 5.3081 5.2376 5.1570 15 5.5159 5.4631 5.4027 5.3336 5.2546 16 5.6358 5.5906 5.5389 5.4797 5.4120 17 5.7493 5.7104 5.6660 5.6152 5.5571 18 5.8664 5.8327 5.7942 5.7501 5.6997 19 5.9703 5.9412 5.9078 5.8697 5.8261 20 6.0610 6.0358 6.0070 5.9741 5.9364 21 6.1586 6.1367 6.1117 6.0831 6.0504 22 6.2345 6.2157 6.1942 6.1695 6.1414 23 6.3172 6.3009 6.2821 6.2607 6.2362 24 6.3984 6.3841 6.3678 6.3492 6.3278 25 6.4680 6.4555 6.4413 6.4250 6.4064 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.3347 17 5.4906 5.4146 18 5.6420 5.5761 5.5007 19 5.7763 5.7193 5.6540 5.5795 20 5.8933 5.8440 5.7876 5.7231 5.6494 21 6.0130 5.9703 5.9214 5.8654 5.8015 22 6.1092 6.0724 6.0303 5.9821 5.9270 23 6.2081 6.1760 6.1394 6.0974 6.0494 24 6.3034 6.2755 6.2436 6.2071 6.1653 25 6.3851 6.3608 6.3329 6.3011 6.2646 21ST 22ND 23RD 24TH 25TH 21 5.7283 22 5.8640 5.7920 23 5.9946 5.9318 5.8600 24 6.1176 6.0629 6.0005 5.9290 25 6.2230 6.1753 6.1208 6.0585 5.9872 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 84 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.1901 5.1585 5.1224 5.0812 5.0340 11 5.2822 5.2558 5.2256 5.1911 5.1516 12 5.3840 5.3617 5.3362 5.3071 5.2737 13 5.4654 5.4465 5.4250 5.4003 5.3720 14 5.5666 5.5505 5.5321 5.5110 5.4869 15 5.6575 5.6437 5.6280 5.6099 5.5893 16 5.7384 5.7266 5.7130 5.6976 5.6799 17 5.8191 5.8089 5.7973 5.7840 5.7689 18 5.8996 5.8908 5.8808 5.8693 5.8561 19 5.9801 5.9725 5.9638 5.9539 5.9425 20 6.0606 6.0540 6.0465 6.0379 6.0280 21 6.1309 6.1252 6.1187 6.1112 6.1027 22 6.1913 6.1864 6.1807 6.1743 6.1669 23 6.2615 6.2573 6.2524 6.2468 6.2404 24 6.3318 6.3280 6.3238 6.3189 6.3133 25 6.3920 6.3887 6.3850 6.3807 6.3759 6TH 7TH 8TH 9TH 10TH 10 4.9800 4.9182 4.8476 4.7668 4.6745 11 5.1064 5.0548 4.9957 4.9281 4.8509 12 5.2356 5.1920 5.1422 5.0852 5.0200 13 5.3398 5.3028 5.2606 5.2123 5.1571 14 5.4594 5.4279 5.3919 5.3507 5.3036 15 5.5657 5.5387 5.5078 5.4725 5.4321 16 5.6597 5.6366 5.6102 5.5799 5.5453 17 5.7515 5.7316 5.7089 5.6830 5.6533 18 5.8410 5.8238 5.8041 5.7816 5.7558 19 5.9295 5.9146 5.8975 5.8781 5.8558 20 6.0168 6.0039 5.9891 5.9723 5.9530 21 6.0929 6.0818 6.0690 6.0544 6.0377 22 6.1585 6.1489 6.1379 6.1253 6.1110 23 6.2330 6.2246 6.2151 6.2041 6.1916 24 6.3070 6.2997 6.2913 6.2818 6.2709 25 6.3703 6.3640 6.3567 6.3484 6.3389 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 85 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.7625 12 4.9454 4.8601 13 5.0939 5.0217 4.9391 14 5.2497 5.1881 5.1176 5.0370 15 5.3859 5.3331 5.2727 5.2036 5.1246 16 5.5058 5.4606 5.4089 5.3497 5.2820 17 5.6193 5.5804 5.5360 5.4852 5.4271 18 5.7264 5.6927 5.6542 5.6101 5.5597 19 5.8303 5.8012 5.7678 5.7297 5.6861 20 5.9310 5.9058 5.8770 5.8441 5.8064 21 6.0186 5.9967 5.9717 5.9431 5.9104 22 6.0945 6.0757 6.0542 6.0295 6.0014 23 6.1772 6.1609 6.1421 6.1207 6.0962 24 6.2584 6.2441 6.2278 6.2092 6.1878 25 6.3280 6.3155 6.3013 6.2850 6.2664 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.2047 17 5.3606 5.2846 18 5.5020 5.4361 5.3607 19 5.6363 5.5793 5.5140 5.4395 20 5.7633 5.7140 5.6576 5.5931 5.5194 21 5.8730 5.8303 5.7814 5.7254 5.6615 22 5.9692 5.9324 5.8903 5.8421 5.7870 23 6.0681 6.0360 5.9994 5.9574 5.9094 24 6.1634 6.1355 6.1036 6.0671 6.0253 25 6.2451 6.2208 6.1929 6.1611 6.1246 21ST 22ND 23RD 24TH 25TH 21 5.5883 22 5.7240 5.6520 23 5.8546 5.7918 5.7200 24 5.9776 5.9229 5.8605 5.7890 25 6.0830 6.0353 5.9808 5.9185 5.8472 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 85 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.9401 4.9085 4.8724 4.8312 4.7840 11 5.0322 5.0058 4.9756 4.9411 4.9016 12 5.1240 5.1017 5.0762 5.0471 5.0137 13 5.2154 5.1965 5.1750 5.1503 5.1220 14 5.3066 5.2905 5.2721 5.2510 5.2269 15 5.3875 5.3737 5.3580 5.3399 5.3193 16 5.4684 5.4566 5.4430 5.4276 5.4099 17 5.5491 5.5389 5.5273 5.5140 5.4989 18 5.6296 5.6208 5.6108 5.5993 5.5861 19 5.7101 5.7025 5.6938 5.6839 5.6725 20 5.7806 5.7740 5.7665 5.7579 5.7480 21 5.8509 5.8452 5.8387 5.8312 5.8227 22 5.9113 5.9064 5.9007 5.8943 5.8869 23 5.9715 5.9673 5.9624 5.9568 5.9504 24 6.0318 6.0280 6.0238 6.0189 6.0133 25 6.0920 6.0887 6.0850 6.0807 6.0759 6TH 7TH 8TH 9TH 10TH 10 4.7300 4.6682 4.5976 4.5168 4.4245 11 4.8564 4.8048 4.7457 4.6781 4.6009 12 4.9756 4.9320 4.8822 4.8252 4.7600 13 5.0898 5.0528 5.0106 4.9623 4.9071 14 5.1994 5.1679 5.1319 5.0907 5.0436 15 5.2957 5.2687 5.2378 5.2025 5.1621 16 5.3897 5.3666 5.3402 5.3099 5.2753 17 5.4815 5.4616 5.4389 5.4130 5.3833 18 5.5710 5.5538 5.5341 5.5116 5.4858 19 5.6595 5.6446 5.6275 5.6081 5.5858 20 5.7368 5.7239 5.7091 5.6923 5.6730 21 5.8129 5.8018 5.7890 5.7744 5.7577 22 5.8785 5.8689 5.8579 5.8453 5.8310 23 5.9430 5.9346 5.9251 5.9141 5.9016 24 6.0070 5.9997 5.9913 5.9818 5.9709 25 6.0703 6.0640 6.0567 6.0484 6.0389 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 86 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.5125 12 4.6854 4.6001 13 4.8439 4.7717 4.6891 14 4.9897 4.9281 4.8576 4.7770 15 5.1159 5.0631 5.0027 4.9336 4.8546 16 5.2358 5.1906 5.1389 5.0797 5.0120 17 5.3493 5.3104 5.2660 5.2152 5.1571 18 5.4564 5.4227 5.3842 5.3401 5.2897 19 5.5603 5.5312 5.4978 5.4597 5.4161 20 5.6510 5.6258 5.5970 5.5641 5.5264 21 5.7386 5.7167 5.6917 5.6631 5.6304 22 5.8145 5.7957 5.7742 5.7495 5.7214 23 5.8872 5.8709 5.8521 5.8307 5.8062 24 5.9584 5.9441 5.9278 5.9092 5.8878 25 6.0280 6.0155 6.0013 5.9850 5.9664 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.9347 17 5.0906 5.0146 18 5.2320 5.1661 5.0907 19 5.3663 5.3093 5.2440 5.1695 20 5.4833 5.4340 5.3776 5.3131 5.2394 21 5.5930 5.5503 5.5014 5.4454 5.3815 22 5.6892 5.6524 5.6103 5.5621 5.5070 23 5.7781 5.7460 5.7094 5.6674 5.6194 24 5.8634 5.8355 5.8036 5.7671 5.7253 25 5.9451 5.9208 5.8929 5.8611 5.8246 21ST 22ND 23RD 24TH 25TH 21 5.3083 22 5.4440 5.3720 23 5.5646 5.5018 5.4300 24 5.6776 5.6229 5.5605 5.4890 25 5.7830 5.7353 5.6808 5.6185 5.5472 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 86 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.6901 4.6585 4.6224 4.5812 4.5340 11 4.7822 4.7558 4.7256 4.6911 4.6516 12 4.8740 4.8517 4.8262 4.7971 4.7637 13 4.9554 4.9365 4.9150 4.8903 4.8620 14 5.0366 5.0205 5.0021 4.9810 4.9569 15 5.1275 5.1137 5.0980 5.0799 5.0593 16 5.1984 5.1866 5.1730 5.1576 5.1399 17 5.2691 5.2589 5.2473 5.2340 5.2189 18 5.3496 5.3408 5.3308 5.3193 5.3061 19 5.4201 5.4125 5.4038 5.3939 5.3825 20 5.4906 5.4840 5.4765 5.4679 5.4580 21 5.5609 5.5552 5.5487 5.5412 5.5327 22 5.6113 5.6064 5.6007 5.5943 5.5869 23 5.6815 5.6773 5.6724 5.6668 5.6604 24 5.7418 5.7380 5.7338 5.7289 5.7233 25 5.7920 5.7887 5.7850 5.7807 5.7759 6TH 7TH 8TH 9TH 10TH 10 4.4800 4.4182 4.3476 4.2668 4.1745 11 4.6064 4.5548 4.4957 4.4281 4.3509 12 4.7256 4.6820 4.6322 4.5752 4.5100 13 4.8298 4.7928 4.7506 4.7023 4.6471 14 4.9294 4.8979 4.8619 4.8207 4.7736 15 5.0357 5.0087 4.9778 4.9425 4.9021 16 5.1197 5.0966 5.0702 5.0399 5.0053 17 5.2015 5.1816 5.1589 5.1330 5.1033 18 5.2910 5.2738 5.2541 5.2316 5.2058 19 5.3695 5.3546 5.3375 5.3181 5.2958 20 5.4468 5.4339 5.4191 5.4023 5.3830 21 5.5229 5.5118 5.4990 5.4844 5.4677 22 5.5785 5.5689 5.5579 5.5453 5.5310 23 5.6530 5.6446 5.6351 5.6241 5.6116 24 5.7170 5.7097 5.7013 5.6918 5.6809 25 5.7703 5.7640 5.7567 5.7484 5.7389 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 87 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.2625 12 4.4354 4.3501 13 4.5839 4.5117 4.4291 14 4.7197 4.6581 4.5876 4.5070 15 4.8559 4.8031 4.7427 4.6736 4.5946 16 4.9658 4.9206 4.8689 4.8097 4.7420 17 5.0693 5.0304 4.9860 4.9352 4.8771 18 5.1764 5.1427 5.1042 5.0601 5.0097 19 5.2703 5.2412 5.2078 5.1697 5.1261 20 5.3610 5.3358 5.3070 5.2741 5.2364 21 5.4486 5.4267 5.4017 5.3731 5.3404 22 5.5145 5.4957 5.4742 5.4495 5.4214 23 5.5972 5.5809 5.5621 5.5407 5.5162 24 5.6684 5.6541 5.6378 5.6192 5.5978 25 5.7280 5.7155 5.7013 5.6850 5.6664 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.6647 17 4.8106 4.7346 18 4.9520 4.8861 4.8107 19 5.0763 5.0193 4.9540 4.8795 20 5.1933 5.1440 5.0876 5.0231 4.9494 21 5.3030 5.2603 5.2114 5.1554 5.0915 22 5.3892 5.3524 5.3103 5.2621 5.2070 23 5.4881 5.4560 5.4194 5.3774 5.3294 24 5.5734 5.5455 5.5136 5.4771 5.4353 25 5.6451 5.6208 5.5929 5.5611 5.5246 21ST 22ND 23RD 24TH 25TH 21 5.0183 22 5.1440 5.0720 23 5.2746 5.2118 5.1400 24 5.3876 5.3329 5.2705 5.1990 25 5.4830 5.4353 5.3808 5.3185 5.2472 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 87 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.3101 4.2785 4.2424 4.2012 4.1540 11 4.3922 4.3658 4.3356 4.3011 4.2616 12 4.4740 4.4517 4.4262 4.3971 4.3637 13 4.5554 4.5365 4.5150 4.4903 4.4620 14 4.6366 4.6205 4.6021 4.5810 4.5569 15 4.7175 4.7037 4.6880 4.6699 4.6493 16 4.7784 4.7666 4.7530 4.7376 4.7199 17 4.8491 4.8389 4.8273 4.8140 4.7989 18 4.9296 4.9208 4.9108 4.8993 4.8861 19 4.9901 4.9825 4.9738 4.9639 4.9525 20 5.0506 5.0440 5.0365 5.0279 5.0180 21 5.1109 5.1052 5.0987 5.0912 5.0827 22 5.1613 5.1564 5.1507 5.1443 5.1369 23 5.2215 5.2173 5.2124 5.2068 5.2004 24 5.2718 5.2680 5.2638 5.2589 5.2533 25 5.3320 5.3287 5.3250 5.3207 5.3159 6TH 7TH 8TH 9TH 10TH 10 4.1000 4.0382 3.9676 3.8868 3.7945 11 4.2164 4.1648 4.1057 4.0381 3.9609 12 4.3256 4.2820 4.2322 4.1752 4.1100 13 4.4298 4.3928 4.3506 4.3023 4.2471 14 4.5294 4.4979 4.4619 4.4207 4.3736 15 4.6257 4.5987 4.5678 4.5325 4.4921 16 4.6997 4.6766 4.6502 4.6199 4.5853 17 4.7815 4.7616 4.7389 4.7130 4.6833 18 4.8710 4.8538 4.8341 4.8116 4.7858 19 4.9395 4.9246 4.9075 4.8881 4.8658 20 5.0068 4.9939 4.9791 4.9623 4.9430 21 5.0729 5.0618 5.0490 5.0344 5.0177 22 5.1285 5.1189 5.1079 5.0953 5.0810 23 5.1930 5.1846 5.1751 5.1641 5.1516 24 5.2470 5.2397 5.2313 5.2218 5.2109 25 5.3103 5.3040 5.2967 5.2884 5.2789 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 88 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.8725 12 4.0354 3.9501 13 4.1839 4.1117 4.0291 14 4.3197 4.2581 4.1876 4.1070 15 4.4459 4.3931 4.3327 4.2636 4.1846 16 4.5458 4.5006 4.4489 4.3897 4.3220 17 4.6493 4.6104 4.5660 4.5152 4.4571 18 4.7564 4.7227 4.6842 4.6401 4.5897 19 4.8403 4.8112 4.7778 4.7397 4.6961 20 4.9210 4.8958 4.8670 4.8341 4.7964 21 4.9986 4.9767 4.9517 4.9231 4.8904 22 5.0645 5.0457 5.0242 4.9995 4.9714 23 5.1372 5.1209 5.1021 5.0807 5.0562 24 5.1984 5.1841 5.1678 5.1492 5.1278 25 5.2680 5.2555 5.2413 5.2250 5.2064 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.2447 17 4.3906 4.3146 18 4.5320 4.4661 4.3907 19 4.6463 4.5893 4.5240 4.4495 20 4.7533 4.7040 4.6476 4.5831 4.5094 21 4.8530 4.8103 4.7614 4.7054 4.6415 22 4.9392 4.9024 4.8603 4.8121 4.7570 23 5.0281 4.9960 4.9594 4.9174 4.8694 24 5.1034 5.0755 5.0436 5.0071 4.9653 25 5.1851 5.1608 5.1329 5.1011 5.0646 21ST 22ND 23RD 24TH 25TH 21 4.5683 22 4.6940 4.6220 23 4.8146 4.7518 4.6800 24 4.9176 4.8629 4.8005 4.7290 25 5.0230 4.9753 4.9208 4.8585 4.7872 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 88 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.0501 4.0185 3.9824 3.9412 3.8940 11 4.1322 4.1058 4.0756 4.0411 4.0016 12 4.2140 4.1917 4.1662 4.1371 4.1037 13 4.2854 4.2665 4.2450 4.2203 4.1920 14 4.3566 4.3405 4.3221 4.3010 4.2769 15 4.4375 4.4237 4.4080 4.3899 4.3693 16 4.4984 4.4866 4.4730 4.4576 4.4399 17 4.5591 4.5489 4.5373 4.5240 4.5089 18 4.6296 4.6208 4.6108 4.5993 4.5861 19 4.6901 4.6825 4.6738 4.6639 4.6525 20 4.7506 4.7440 4.7365 4.7279 4.7180 21 4.8109 4.8052 4.7987 4.7912 4.7827 22 4.8613 4.8564 4.8507 4.8443 4.8369 23 4.9115 4.9073 4.9024 4.8968 4.8904 24 4.9618 4.9580 4.9538 4.9489 4.9433 25 5.0120 5.0087 5.0050 5.0007 4.9959 6TH 7TH 8TH 9TH 10TH 10 3.8400 3.7782 3.7076 3.6268 3.5345 11 3.9564 3.9048 3.8457 3.7781 3.7009 12 4.0656 4.0220 3.9722 3.9152 3.8500 13 4.1598 4.1228 4.0806 4.0323 3.9771 14 4.2494 4.2179 4.1819 4.1407 4.0936 15 4.3457 4.3187 4.2878 4.2525 4.2121 16 4.4197 4.3966 4.3702 4.3399 4.3053 17 4.4915 4.4716 4.4489 4.4230 4.3933 18 4.5710 4.5538 4.5341 4.5116 4.4858 19 4.6395 4.6246 4.6075 4.5881 4.5658 20 4.7068 4.6939 4.6791 4.6623 4.6430 21 4.7729 4.7618 4.7490 4.7344 4.7177 22 4.8285 4.8189 4.8079 4.7953 4.7810 23 4.8830 4.8746 4.8651 4.8541 4.8416 24 4.9370 4.9297 4.9213 4.9118 4.9009 25 4.9903 4.9840 4.9767 4.9684 4.9589 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 89 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.6125 12 3.7754 3.6901 13 3.9139 3.8417 3.7591 14 4.0397 3.9781 3.9076 3.8270 15 4.1659 4.1131 4.0527 3.9836 3.9046 16 4.2658 4.2206 4.1689 4.1097 4.0420 17 4.3593 4.3204 4.2760 4.2252 4.1671 18 4.4564 4.4227 4.3842 4.3401 4.2897 19 4.5403 4.5112 4.4778 4.4397 4.3961 20 4.6210 4.5958 4.5670 4.5341 4.4964 21 4.6986 4.6767 4.6517 4.6231 4.5904 22 4.7645 4.7457 4.7242 4.6995 4.6714 23 4.8272 4.8109 4.7921 4.7707 4.7462 24 4.8884 4.8741 4.8578 4.8392 4.8178 25 4.9480 4.9355 4.9213 4.9050 4.8864 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.9647 17 4.1006 4.0246 18 4.2320 4.1661 4.0907 19 4.3463 4.2893 4.2240 4.1495 20 4.4533 4.4040 4.3476 4.2831 4.2094 21 4.5530 4.5103 4.4614 4.4054 4.3415 22 4.6392 4.6024 4.5603 4.5121 4.4570 23 4.7181 4.6860 4.6494 4.6074 4.5594 24 4.7934 4.7655 4.7336 4.6971 4.6553 25 4.8651 4.8408 4.8129 4.7811 4.7446 21ST 22ND 23RD 24TH 25TH 21 4.2683 22 4.3940 4.3220 23 4.5046 4.4418 4.3700 24 4.6076 4.5529 4.4905 4.4190 25 4.7030 4.6553 4.6008 4.5385 4.4672 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 89 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.6601 3.6285 3.5924 3.5512 3.5040 11 3.7322 3.7058 3.6756 3.6411 3.6016 12 3.8040 3.7817 3.7562 3.7271 3.6937 13 3.8654 3.8465 3.8250 3.8003 3.7720 14 3.9366 3.9205 3.9021 3.8810 3.8569 15 4.0075 3.9937 3.9780 3.9599 3.9393 16 4.0684 4.0566 4.0430 4.0276 4.0099 17 4.1191 4.1089 4.0973 4.0840 4.0689 18 4.1896 4.1808 4.1708 4.1593 4.1461 19 4.2401 4.2325 4.2238 4.2139 4.2025 20 4.2906 4.2840 4.2765 4.2679 4.2580 21 4.3409 4.3352 4.3287 4.3212 4.3127 22 4.3813 4.3764 4.3707 4.3643 4.3569 23 4.4315 4.4273 4.4224 4.4168 4.4104 24 4.4718 4.4680 4.4638 4.4589 4.4533 25 4.5220 4.5187 4.5150 4.5107 4.5059 6TH 7TH 8TH 9TH 10TH 10 3.4500 3.3882 3.3176 3.2368 3.1445 11 3.5564 3.5048 3.4457 3.3781 3.3009 12 3.6556 3.6120 3.5622 3.5052 3.4400 13 3.7398 3.7028 3.6606 3.6123 3.5571 14 3.8294 3.7979 3.7619 3.7207 3.6736 15 3.9157 3.8887 3.8578 3.8225 3.7821 16 3.9897 3.9666 3.9402 3.9099 3.8753 17 4.0515 4.0316 4.0089 3.9830 3.9533 18 4.1310 4.1138 4.0941 4.0716 4.0458 19 4.1895 4.1746 4.1575 4.1381 4.1158 20 4.2468 4.2339 4.2191 4.2023 4.1830 21 4.3029 4.2918 4.2790 4.2644 4.2477 22 4.3485 4.3389 4.3279 4.3153 4.3010 23 4.4030 4.3946 4.3851 4.3741 4.3616 24 4.4470 4.4397 4.4313 4.4218 4.4109 25 4.5003 4.4940 4.4867 4.4784 4.4689 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 90 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 13.50% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.2125 12 3.3654 3.2801 13 3.4939 3.4217 3.3391 14 3.6197 3.5581 3.4876 3.4070 15 3.7359 3.6831 3.6227 3.5536 3.4746 16 3.8358 3.7906 3.7389 3.6797 3.6120 17 3.9193 3.8804 3.8360 3.7852 3.7271 18 4.0164 3.9827 3.9442 3.9001 3.8497 19 4.0903 4.0612 4.0278 3.9897 3.9461 20 4.1610 4.1358 4.1070 4.0741 4.0364 21 4.2286 4.2067 4.1817 4.1531 4.1204 22 4.2845 4.2657 4.2442 4.2195 4.1914 23 4.3472 4.3309 4.3121 4.2907 4.2662 24 4.3984 4.3841 4.3678 4.3492 4.3278 25 4.4580 4.4455 4.4313 4.4150 4.3964 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.5347 17 3.6606 3.5846 18 3.7920 3.7261 3.6507 19 3.8963 3.8393 3.7740 3.6995 20 3.9933 3.9440 3.8876 3.8231 3.7494 21 4.0830 4.0403 3.9914 3.9354 3.8715 22 4.1592 4.1224 4.0803 4.0321 3.9770 23 4.2381 4.2060 4.1694 4.1274 4.0794 24 4.3034 4.2755 4.2436 4.2071 4.1653 25 4.3751 4.3508 4.3229 4.2911 4.2546 21ST 22ND 23RD 24TH 25TH 21 3.7983 22 3.9140 3.8420 23 4.0246 3.9618 3.8900 24 4.1176 4.0629 4.0005 3.9290 25 4.2130 4.1653 4.1108 4.0485 3.9772 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 90 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 7.3304 7.2997 7.2643 7.2237 7.1769 11 7.4526 7.4269 7.3974 7.3635 7.3245 12 7.5743 7.5527 7.5278 7.4993 7.4665 13 7.6957 7.6774 7.6564 7.6323 7.6046 14 7.7968 7.7814 7.7636 7.7431 7.7196 15 7.9078 7.8946 7.8795 7.8621 7.8421 16 8.0186 8.0074 7.9944 7.9795 7.9625 17 8.1193 8.1096 8.0985 8.0857 8.0711 18 8.2199 8.2115 8.2020 8.1910 8.1784 19 8.3204 8.3132 8.3051 8.2957 8.2849 20 8.4208 8.4146 8.4075 8.3994 8.3900 21 8.5011 8.4958 8.4898 8.4828 8.4748 22 8.5914 8.5869 8.5816 8.5756 8.5686 23 8.6917 8.6876 8.6830 8.6777 8.6717 24 8.7719 8.7684 8.7645 8.7599 8.7547 25 8.8521 8.8491 8.8457 8.8418 8.8373 6TH 7TH 8TH 9TH 10TH 10 7.1232 7.0615 6.9906 6.9090 6.8153 11 7.2797 7.2282 7.1690 7.1010 7.0228 12 7.4287 7.3854 7.3356 7.2783 7.2125 13 7.5727 7.5360 7.4939 7.4455 7.3899 14 7.6926 7.6616 7.6259 7.5849 7.5377 15 7.8191 7.7927 7.7624 7.7275 7.6874 16 7.9428 7.9202 7.8943 7.8645 7.8302 17 8.0542 8.0348 8.0125 7.9869 7.9575 18 8.1639 8.1472 8.1281 8.1061 8.0807 19 8.2724 8.2582 8.2418 8.2229 8.2012 20 8.3793 8.3669 8.3527 8.3364 8.3176 21 8.4655 8.4549 8.4428 8.4288 8.4127 22 8.5607 8.5515 8.5410 8.5289 8.5150 23 8.6647 8.6566 8.6474 8.6368 8.6245 24 8.7486 8.7417 8.7338 8.7246 8.7141 25 8.8321 8.8261 8.8192 8.8114 8.8023 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 91 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 1.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 6.9330 12 7.1369 7.0499 13 7.3260 7.2525 7.1680 14 7.4836 7.4213 7.3497 7.2675 15 7.6413 7.5883 7.5274 7.4575 7.3770 16 7.7908 7.7455 7.6934 7.6336 7.5649 17 7.9237 7.8848 7.8401 7.7888 7.7298 18 8.0517 8.0182 7.9798 7.9356 7.8849 19 8.1763 8.1477 8.1148 8.0770 8.0336 20 8.2961 8.2713 8.2428 8.2101 8.1725 21 8.3942 8.3729 8.3485 8.3204 8.2882 22 8.4990 8.4806 8.4595 8.4352 8.4074 23 8.6105 8.5944 8.5759 8.5545 8.5301 24 8.7020 8.6881 8.6722 8.6538 8.6328 25 8.7919 8.7799 8.7662 8.7504 8.7322 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 7.4859 17 7.6619 7.5839 18 7.8266 7.7595 7.6825 19 7.9836 7.9262 7.8602 7.7844 20 8.1292 8.0795 8.0224 7.9568 7.8813 21 8.2511 8.2084 8.1595 8.1031 8.0384 22 8.3753 8.3385 8.2961 8.2474 8.1915 23 8.5019 8.4696 8.4324 8.3897 8.3406 24 8.6085 8.5807 8.5487 8.5119 8.4696 25 8.7114 8.6874 8.6598 8.6281 8.5917 21ST 22ND 23RD 24TH 25TH 21 7.9640 22 8.1272 8.0533 23 8.2841 8.2193 8.1447 24 8.4210 8.3652 8.3010 8.2272 25 8.5498 8.5017 8.4464 8.3828 8.3098 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 91 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.9704 5.9397 5.9043 5.8637 5.8169 11 6.0826 6.0569 6.0274 5.9935 5.9545 12 6.1943 6.1727 6.1478 6.1193 6.0865 13 6.2957 6.2774 6.2564 6.2323 6.2046 14 6.3968 6.3814 6.3636 6.3431 6.3196 15 6.4978 6.4846 6.4695 6.4521 6.4321 16 6.5986 6.5874 6.5744 6.5595 6.5425 17 6.6893 6.6796 6.6685 6.6557 6.6411 18 6.7799 6.7715 6.7620 6.7510 6.7384 19 6.8704 6.8632 6.8551 6.8457 6.8349 20 6.9608 6.9546 6.9475 6.9394 6.9300 21 7.0311 7.0258 7.0198 7.0128 7.0048 22 7.1114 7.1069 7.1016 7.0956 7.0886 23 7.2017 7.1976 7.1930 7.1877 7.1817 24 7.2719 7.2684 7.2645 7.2599 7.2547 25 7.3421 7.3391 7.3357 7.3318 7.3273 6TH 7TH 8TH 9TH 10TH 10 5.7632 5.7015 5.6306 5.5490 5.4553 11 5.9097 5.8582 5.7990 5.7310 5.6528 12 6.0487 6.0054 5.9556 5.8983 5.8325 13 6.1727 6.1360 6.0939 6.0455 5.9899 14 6.2926 6.2616 6.2259 6.1849 6.1377 15 6.4091 6.3827 6.3524 6.3175 6.2774 16 6.5228 6.5002 6.4743 6.4445 6.4102 17 6.6242 6.6048 6.5825 6.5569 6.5275 18 6.7239 6.7072 6.6881 6.6661 6.6407 19 6.8224 6.8082 6.7918 6.7729 6.7512 20 6.9193 6.9069 6.8927 6.8764 6.8576 21 6.9955 6.9849 6.9728 6.9588 6.9427 22 7.0807 7.0715 7.0610 7.0489 7.0350 23 7.1747 7.1666 7.1574 7.1468 7.1345 24 7.2486 7.2417 7.2338 7.2246 7.2141 25 7.3221 7.3161 7.3092 7.3014 7.2923 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 92 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 4.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.5630 12 5.7569 5.6699 13 5.9260 5.8525 5.7680 14 6.0836 6.0213 5.9497 5.8675 15 6.2313 6.1783 6.1174 6.0475 5.9670 16 6.3708 6.3255 6.2734 6.2136 6.1449 17 6.4937 6.4548 6.4101 6.3588 6.2998 18 6.6117 6.5782 6.5398 6.4956 6.4449 19 6.7263 6.6977 6.6648 6.6270 6.5836 20 6.8361 6.8113 6.7828 6.7501 6.7125 21 6.9242 6.9029 6.8785 6.8504 6.8182 22 7.0190 7.0006 6.9795 6.9552 6.9274 23 7.1205 7.1044 7.0859 7.0645 7.0401 24 7.2020 7.1881 7.1722 7.1538 7.1328 25 7.2819 7.2699 7.2562 7.2404 7.2222 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 6.0659 17 6.2319 6.1539 18 6.3866 6.3195 6.2425 19 6.5336 6.4762 6.4102 6.3344 20 6.6692 6.6195 6.5624 6.4968 6.4213 21 6.7811 6.7384 6.6895 6.6331 6.5684 22 6.8953 6.8585 6.8161 6.7674 6.7115 23 7.0119 6.9796 6.9424 6.8997 6.8506 24 7.1085 7.0807 7.0487 7.0119 6.9696 25 7.2014 7.1774 7.1498 7.1181 7.0817 21ST 22ND 23RD 24TH 25TH 21 6.4940 22 6.6472 6.5733 23 6.7941 6.7293 6.6547 24 6.9210 6.8652 6.8010 6.7272 25 7.0398 6.9917 6.9364 6.8728 6.7998 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 92 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.6104 5.5797 5.5443 5.5037 5.4569 11 5.7126 5.6869 5.6574 5.6235 5.5845 12 5.8243 5.8027 5.7778 5.7493 5.7165 13 5.9257 5.9074 5.8864 5.8623 5.8346 14 6.0168 6.0014 5.9836 5.9631 5.9396 15 6.1178 6.1046 6.0895 6.0721 6.0521 16 6.2086 6.1974 6.1844 6.1695 6.1525 17 6.2993 6.2896 6.2785 6.2657 6.2511 18 6.3899 6.3815 6.3720 6.3610 6.3484 19 6.4704 6.4632 6.4551 6.4457 6.4349 20 6.5508 6.5446 6.5375 6.5294 6.5200 21 6.6311 6.6258 6.6198 6.6128 6.6048 22 6.7014 6.6969 6.6916 6.6856 6.6786 23 6.7817 6.7776 6.7730 6.7677 6.7617 24 6.8519 6.8484 6.8445 6.8399 6.8347 25 6.9121 6.9091 6.9057 6.9018 6.8973 6TH 7TH 8TH 9TH 10TH 10 5.4032 5.3415 5.2706 5.1890 5.0953 11 5.5397 5.4882 5.4290 5.3610 5.2828 12 5.6787 5.6354 5.5856 5.5283 5.4625 13 5.8027 5.7660 5.7239 5.6755 5.6199 14 5.9126 5.8816 5.8459 5.8049 5.7577 15 6.0291 6.0027 5.9724 5.9375 5.8974 16 6.1328 6.1102 6.0843 6.0545 6.0202 17 6.2342 6.2148 6.1925 6.1669 6.1375 18 6.3339 6.3172 6.2981 6.2761 6.2507 19 6.4224 6.4082 6.3918 6.3729 6.3512 20 6.5093 6.4969 6.4827 6.4664 6.4476 21 6.5955 6.5849 6.5728 6.5588 6.5427 22 6.6707 6.6615 6.6510 6.6389 6.6250 23 6.7547 6.7466 6.7374 6.7268 6.7145 24 6.8286 6.8217 6.8138 6.8046 6.7941 25 6.8921 6.8861 6.8792 6.8714 6.8623 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 93 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 4.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.1930 12 5.3869 5.2999 13 5.5560 5.4825 5.3980 14 5.7036 5.6413 5.5697 5.4875 15 5.8513 5.7983 5.7374 5.6675 5.5870 16 5.9808 5.9355 5.8834 5.8236 5.7549 17 6.1037 6.0648 6.0201 5.9688 5.9098 18 6.2217 6.1882 6.1498 6.1056 6.0549 19 6.3263 6.2977 6.2648 6.2270 6.1836 20 6.4261 6.4013 6.3728 6.3401 6.3025 21 6.5242 6.5029 6.4785 6.4504 6.4182 22 6.6090 6.5906 6.5695 6.5452 6.5174 23 6.7005 6.6844 6.6659 6.6445 6.6201 24 6.7820 6.7681 6.7522 6.7338 6.7128 25 6.8519 6.8399 6.8262 6.8104 6.7922 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.6759 17 5.8419 5.7639 18 5.9966 5.9295 5.8525 19 6.1336 6.0762 6.0102 5.9344 20 6.2592 6.2095 6.1524 6.0868 6.0113 21 6.3811 6.3384 6.2895 6.2331 6.1684 22 6.4853 6.4485 6.4061 6.3574 6.3015 23 6.5919 6.5596 6.5224 6.4797 6.4306 24 6.6885 6.6607 6.6287 6.5919 6.5496 25 6.7714 6.7474 6.7198 6.6881 6.6517 21ST 22ND 23RD 24TH 25TH 21 6.0940 22 6.2372 6.1633 23 6.3741 6.3093 6.2347 24 6.5010 6.4452 6.3810 6.3072 25 6.6098 6.5617 6.5064 6.4428 6.3698 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 93 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.4904 5.4597 5.4243 5.3837 5.3369 11 5.5926 5.5669 5.5374 5.5035 5.4645 12 5.7043 5.6827 5.6578 5.6293 5.5965 13 5.7957 5.7774 5.7564 5.7323 5.7046 14 5.8968 5.8814 5.8636 5.8431 5.8196 15 5.9878 5.9746 5.9595 5.9421 5.9221 16 6.0786 6.0674 6.0544 6.0395 6.0225 17 6.1693 6.1596 6.1485 6.1357 6.1211 18 6.2499 6.2415 6.2320 6.2210 6.2084 19 6.3304 6.3232 6.3151 6.3057 6.2949 20 6.4208 6.4146 6.4075 6.3994 6.3900 21 6.4911 6.4858 6.4798 6.4728 6.4648 22 6.5614 6.5569 6.5516 6.5456 6.5386 23 6.6417 6.6376 6.6330 6.6277 6.6217 24 6.7119 6.7084 6.7045 6.6999 6.6947 25 6.7721 6.7691 6.7657 6.7618 6.7573 6TH 7TH 8TH 9TH 10TH 10 5.2832 5.2215 5.1506 5.0690 4.9753 11 5.4197 5.3682 5.3090 5.2410 5.1628 12 5.5587 5.5154 5.4656 5.4083 5.3425 13 5.6727 5.6360 5.5939 5.5455 5.4899 14 5.7926 5.7616 5.7259 5.6849 5.6377 15 5.8991 5.8727 5.8424 5.8075 5.7674 16 6.0028 5.9802 5.9543 5.9245 5.8902 17 6.1042 6.0848 6.0625 6.0369 6.0075 18 6.1939 6.1772 6.1581 6.1361 6.1107 19 6.2824 6.2682 6.2518 6.2329 6.2112 20 6.3793 6.3669 6.3527 6.3364 6.3176 21 6.4555 6.4449 6.4328 6.4188 6.4027 22 6.5307 6.5215 6.5110 6.4989 6.4850 23 6.6147 6.6066 6.5974 6.5868 6.5745 24 6.6886 6.6817 6.6738 6.6646 6.6541 25 6.7521 6.7461 6.7392 6.7314 6.7223 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 94 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 5.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 5.0730 12 5.2669 5.1799 13 5.4260 5.3525 5.2680 14 5.5836 5.5213 5.4497 5.3675 15 5.7213 5.6683 5.6074 5.5375 5.4570 16 5.8508 5.8055 5.7534 5.6936 5.6249 17 5.9737 5.9348 5.8901 5.8388 5.7798 18 6.0817 6.0482 6.0098 5.9656 5.9149 19 6.1863 6.1577 6.1248 6.0870 6.0436 20 6.2961 6.2713 6.2428 6.2101 6.1725 21 6.3842 6.3629 6.3385 6.3104 6.2782 22 6.4690 6.4506 6.4295 6.4052 6.3774 23 6.5605 6.5444 6.5259 6.5045 6.4801 24 6.6420 6.6281 6.6122 6.5938 6.5728 25 6.7119 6.6999 6.6862 6.6704 6.6522 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.5459 17 5.7119 5.6339 18 5.8566 5.7895 5.7125 19 5.9936 5.9362 5.8702 5.7944 20 6.1292 6.0795 6.0224 5.9568 5.8813 21 6.2411 6.1984 6.1495 6.0931 6.0284 22 6.3453 6.3085 6.2661 6.2174 6.1615 23 6.4519 6.4196 6.3824 6.3397 6.2906 24 6.5485 6.5207 6.4887 6.4519 6.4096 25 6.6314 6.6074 6.5798 6.5481 6.5117 21ST 22ND 23RD 24TH 25TH 21 5.9540 22 6.0972 6.0233 23 6.2341 6.1693 6.0947 24 6.3610 6.3052 6.2410 6.1672 25 6.4698 6.4217 6.3664 6.3028 6.2298 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 94 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 5.2404 5.2097 5.1743 5.1337 5.0869 11 5.3426 5.3169 5.2874 5.2535 5.2145 12 5.4443 5.4227 5.3978 5.3693 5.3365 13 5.5457 5.5274 5.5064 5.4823 5.4546 14 5.6368 5.6214 5.6036 5.5831 5.5596 15 5.7178 5.7046 5.6895 5.6721 5.6521 16 5.0086 5.7974 5.7844 5.7695 5.7525 17 5.8993 5.8896 5.8785 5.8657 5.8511 18 5.9799 5.9715 5.9620 5.9510 5.9384 19 6.0604 6.0532 6.0451 6.0357 6.0249 20 6.1408 6.1346 6.1275 6.1194 6.1100 21 6.2111 6.2058 6.1998 6.1928 6.1848 22 6.2814 6.2769 6.2716 6.2656 6.2586 23 6.3517 6.3476 6.3430 6.3377 6.3317 24 6.4119 6.4084 6.4045 6.3999 6.3947 25 6.4721 6.4691 6.4657 6.4618 6.4573 6TH 7TH 8TH 9TH 10TH 10 5.0332 4.9715 4.9006 4.8190 4.7253 11 5.1697 5.1182 5.0590 4.9910 4.9128 12 5.2987 5.2554 5.2056 5.1483 5.0825 13 5.4227 5.3860 5.3439 5.2955 5.2399 14 5.5326 5.5016 5.4659 5.4249 5.3777 15 5.6291 5.6027 5.5724 5.5375 5.4974 16 5.7328 5.7102 5.6843 5.6545 5.6202 17 5.8342 5.8148 5.7925 5.7669 5.7375 18 5.9239 5.9072 5.8881 5.8661 5.8407 19 6.0124 5.9982 5.9818 5.9629 5.9412 20 6.0993 6.0869 6.0727 6.0564 6.0376 21 6.1755 6.1649 6.1528 6.1388 6.1227 22 6.2507 6.2415 6.2310 6.2189 6.2050 23 6.3247 6.3166 6.3074 6.2968 6.2845 24 6.3886 6.3817 6.3738 6.3646 6.3541 25 6.4521 6.4461 6.4392 6.4314 6.4223 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 95 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 5.50% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.8230 12 5.0069 4.9199 13 5.1760 5.1025 5.0180 14 5.3236 5.2613 5.1897 5.1075 15 5.4513 5.3983 5.3374 5.2675 5.1870 16 5.5808 5.5355 5.4834 5.4236 5.3549 17 5.7037 5.6648 5.6201 5.5688 5.5098 18 5.8117 5.7782 5.7398 5.6956 5.6449 19 5.9163 5.8877 5.8548 5.8170 5.7736 20 6.0161 5.9913 5.9628 5.9301 5.8925 21 6.1042 6.0829 6.0585 6.0304 5.9982 22 6.1890 6.1706 6.1495 6.1252 6.0974 23 6.2705 6.2544 6.2359 6.2145 6.1901 24 6.3420 6.3281 6.3122 6.2938 6.2728 25 6.4119 6.3999 6.3862 6.3704 6.3522 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.2759 17 5.4419 5.3639 18 5.5866 5.5195 5.4425 19 5.7236 5.6662 5.6002 5.5244 20 5.8492 5.7995 5.7424 5.6768 5.6013 21 5.9611 5.9184 5.8695 5.8131 5.7484 22 6.0653 6.0285 5.9861 5.9374 5.8815 23 6.1619 6.1296 6.0924 6.0497 6.0006 24 6.2485 6.2207 6.1887 6.1519 6.1096 25 6.3314 6.3074 6.2798 6.2481 6.2117 21ST 22ND 23RD 24TH 25TH 21 5.6740 22 5.8172 5.7433 23 5.9441 5.8793 5.8047 24 6.0610 6.0052 5.9410 5.8672 25 6.1698 6.1217 6.0664 6.0028 5.9298 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 95 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.9904 4.9597 4.9243 4.8837 4.8369 11 5.0926 5.0669 5.0374 5.0035 4.9645 12 5.1943 5.1727 5.1478 5.1193 5.0865 13 5.2857 5.2674 5.2464 5.2223 5.1946 14 5.3668 5.3514 5.3336 5.3131 5.2896 15 5.4578 5.4446 5.4295 5.4121 5.3921 16 5.5386 5.5274 5.5144 5.4995 5.4825 17 5.6193 5.6096 5.5985 5.5857 5.5711 18 5.6999 5.6915 5.6820 5.6710 5.6584 19 5.7704 5.7632 5.7551 5.7457 5.7349 20 5.8508 5.8446 5.8375 5.8294 5.8200 21 5.9211 5.9158 5.9098 5.9028 5.8948 22 5.9814 5.9769 5.9716 5.9656 5.9586 23 6.0617 6.0576 6.0530 6.0477 6.0417 24 6.1219 6.1184 6.1145 6.1099 6.1047 25 6.1721 6.1691 6.1657 6.1618 6.1573 6TH 7TH 8TH 9TH 10TH 10 4.7832 4.7215 4.6506 4.5690 4.4753 11 4.9197 4.8682 4.8090 4.7410 4.6628 12 5.0487 5.0054 4.9556 4.8983 4.8325 13 5.1627 5.1260 5.0839 5.0355 4.9799 14 5.2626 5.2316 5.1959 5.1549 5.1077 15 5.3691 5.3427 5.3124 5.2775 5.2374 16 5.4628 5.4402 5.4143 5.3845 5.3502 17 5.5542 5.5348 5.5125 5.4869 5.4575 18 5.6439 5.6272 5.6081 5.5861 5.5607 19 5.7224 5.7082 5.6918 5.6729 5.6512 20 5.8093 5.7969 5.7827 5.7664 5.7476 21 5.8855 5.8749 5.8628 5.8488 5.8327 22 5.9507 5.9415 5.9310 5.9189 5.9050 23 6.0347 6.0266 6.0174 6.0068 5.9945 24 6.0986 6.0917 6.0838 6.0746 6.0641 25 6.1521 6.1461 6.1392 6.1314 6.1223 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 96 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 6.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.5730 12 4.7569 4.6699 13 4.9160 4.8425 4.7580 14 5.0536 4.9913 4.9197 4.8375 15 5.1913 5.1383 5.0774 5.0075 4.9270 16 5.3108 5.2655 5.2134 5.1536 5.0849 17 5.4237 5.3848 5.3401 5.2888 5.2298 18 5.5317 5.4982 5.4598 5.4156 5.3649 19 5.6263 5.5977 5.5648 5.5270 5.4836 20 5.7261 5.7013 5.6728 5.6401 5.6025 21 5.8142 5.7929 5.7685 5.7404 5.7082 22 5.8890 5.8706 5.8495 5.8252 5.7974 23 5.9805 5.9644 5.9459 5.9245 5.9001 24 6.0520 6.0381 6.0222 6.0038 5.9828 25 6.1119 6.0999 6.0862 6.0704 6.0522 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 5.0059 17 5.1619 5.0839 18 5.3066 5.2395 5.1625 19 5.4336 5.3762 5.3102 5.2344 20 5.5592 5.5095 5.4524 5.3868 5.3113 21 5.6711 5.6284 5.5795 5.5231 5.4584 22 5.7653 5.7285 5.6861 5.6374 5.5815 23 5.8719 5.8396 5.8024 5.7597 5.7106 24 5.9585 5.9307 5.8987 5.8619 5.8196 25 6.0314 6.0074 5.9798 5.9481 5.9117 21ST 22ND 23RD 24TH 25TH 21 5.3840 22 5.5172 5.4433 23 5.6541 5.5893 5.5147 24 5.7710 5.7152 5.6510 5.5772 25 5.8698 5.8217 5.7664 5.7028 5.6298 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 96 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.6104 4.5797 4.5443 4.5037 4.4569 11 4.7026 4.6769 4.6474 4.6135 4.5745 12 4.7943 4.7727 4.7478 4.7193 4.6865 13 4.8857 4.8674 4.8464 4.8223 4.7946 14 4.9668 4.9514 4.9336 4.9131 4.8896 15 5.0478 5.0346 5.0195 5.0021 4.9821 16 5.1186 5.1074 5.0944 5.0795 5.0625 17 5.1993 5.1896 5.1785 5.1657 5.1511 18 5.2799 5.2715 5.2620 5.2510 5.2384 19 5.3404 5.3332 5.3251 5.3157 5.3049 20 5.4108 5.4046 5.3975 5.3894 5.3800 21 5.4711 5.4658 5.4598 5.4528 5.4448 22 5.5314 5.5269 5.5216 5.5156 5.5086 23 5.6017 5.5976 5.5930 5.5877 5.5817 24 5.6519 5.6484 5.6445 5.6399 5.6347 25 5.7121 5.7091 5.7057 5.7018 5.6973 6TH 7TH 8TH 9TH 10TH 10 4.4032 4.3415 4.2706 4.1890 4.0953 11 4.5297 4.4782 4.4190 4.3510 4.2728 12 4.6487 4.6054 4.5556 4.4983 4.4325 13 4.7627 4.7260 4.6839 4.6355 4.5799 14 4.8626 4.8316 4.7959 4.7549 4.7077 15 4.9591 4.9327 4.9024 4.8675 4.8274 16 5.0428 5.0202 4.9943 4.9645 4.9302 17 5.1342 5.1148 5.0925 5.0669 5.0375 18 5.2239 5.2072 5.1881 5.1661 5.1407 19 5.2924 5.2782 5.2618 5.2429 5.2212 20 5.3693 5.3569 5.3427 5.3264 5.3076 21 5.4355 5.4249 5.4128 5.3988 5.3827 22 5.5007 5.4915 5.4810 5.4689 5.4550 23 5.5747 5.5666 5.5574 5.5468 5.5345 24 5.6286 5.6217 5.6138 5.6046 5.5941 25 5.6921 5.6861 5.6792 5.6714 5.6623 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 97 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 6.75% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 4.1830 12 4.3569 4.2699 13 4.5160 4.4425 4.3580 14 4.6536 4.5913 4.5197 4.4375 15 4.7813 4.7283 4.6674 4.5975 4.5170 16 4.8908 4.8455 4.7934 4.7336 4.6649 17 5.0037 4.9648 4.9201 4.8688 4.8098 18 5.1117 5.0782 5.0398 4.9956 4.9449 19 5.1963 5.1677 5.1348 5.0970 5.0536 20 5.2861 5.2613 5.2328 5.2001 5.1625 21 5.3642 5.3429 5.3185 5.2904 5.2582 22 5.4390 5.4206 5.3995 5.3752 5.3474 23 5.5205 5.5044 5.4859 5.4645 5.4401 24 5.5820 5.5681 5.5522 5.5338 5.5128 25 5.6519 5.6399 5.6262 5.6104 5.5922 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.5859 17 4.7419 4.6639 18 4.8866 4.8195 4.7425 19 5.0036 4.9462 4.8802 4.8044 20 5.1192 5.0695 5.0124 4.9468 4.8713 21 5.2211 5.1784 5.1295 5.0731 5.0084 22 5.3153 5.2785 5.2361 5.1874 5.1315 23 5.4119 5.3796 5.3424 5.2997 5.2506 24 5.4665 5.4607 5.4287 5.3919 5.3496 25 5.5714 5.5474 5.5198 5.4881 5.4517 21ST 22ND 23RD 24TH 25TH 21 4.9340 22 5.0672 4.9933 23 5.1941 5.1293 5.0547 24 5.3010 5.2452 5.1810 5.1072 25 5.4098 5.3617 5.3064 5.2428 5.1698 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 97 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 4.3504 4.3197 4.2843 4.2437 4.1969 11 4.4426 4.4169 4.3874 4.3535 4.3145 12 4.5343 4.5127 4.4878 4.4593 4.4265 13 4.6157 4.5974 4.5764 4.5523 4.5246 14 4.6868 4.6714 4.6536 4.6331 4.6096 15 4.7678 4.7546 4.7395 4.7221 4.7021 16 4.8386 4.8274 4.8144 4.7995 4.7825 17 4.9093 4.8996 4.8885 4.8757 4.8611 18 4.9799 4.9715 4.9620 4.9510 4.9384 19 5.0404 5.0332 5.0251 5.0157 5.0049 20 5.1108 5.1046 5.0975 5.0894 5.0800 21 5.1711 5.1658 5.1598 5.1528 5.1448 22 5.2314 5.2269 5.2216 5.2156 5.2086 23 5.2917 5.2876 5.2830 5.2777 5.2717 24 5.3419 5.3384 5.3345 5.3299 5.3247 25 5.3921 5.3891 5.3857 5.3818 5.3773 6TH 7TH 8TH 9TH 10TH 10 4.1432 4.0815 4.0106 3.9290 3.8353 11 4.2697 4.2182 4.1590 4.0910 4.0128 12 4.3887 4.3454 4.2956 4.2383 4.1725 13 4.4927 4.4560 4.4139 4.3655 4.3099 14 4.5826 4.5516 4.5159 4.4749 4.4277 15 4.6791 4.6527 4.6224 4.5875 4.5474 16 4.7628 4.7402 4.7143 4.6845 4.6502 17 4.8442 4.8248 4.8025 4.7769 4.7475 18 4.9239 4.9072 4.8881 4.8661 4.8407 19 4.9924 4.9782 4.9618 4.9429 4.9212 20 5.0693 5.0569 5.0427 5.0264 5.0076 21 5.1355 5.1249 5.1128 5.0988 5.0827 22 5.2007 5.1915 5.1810 5.1689 5.1550 23 5.2647 5.2566 5.2474 5.2368 5.2245 24 5.3186 5.3117 5.3038 5.2946 5.2841 25 5.3721 5.3661 5.3592 5.3514 5.3423 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 98 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 7.25% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.9230 12 4.0969 4.0099 13 4.2460 4.1725 4.0880 14 4.3736 4.3113 4.2397 4.1575 15 4.5013 4.4483 4.3874 4.3175 4.2370 16 4.6108 4.5655 4.5134 4.4536 4.3849 17 4.7137 4.6748 4.6301 4.5788 4.5198 18 4.8117 4.7782 4.7398 4.6956 4.6449 19 4.8963 4.8677 4.8348 4.7970 4.7536 20 4.9861 4.9613 4.9328 4.9001 4.8625 21 5.0642 5.0429 5.0185 4.9904 4.9582 22 5.1390 5.1206 5.0995 5.0752 5.0474 23 5.2105 5.1944 5.1759 5.1545 5.1301 24 5.2720 5.2581 5.2422 5.2238 5.2028 25 5.3319 5.3199 5.3062 5.2904 5.2722 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 4.3059 17 4.4519 4.3739 18 4.5866 4.5195 4.4425 19 4.7036 4.6462 4.5802 4.5044 20 4.8192 4.7695 4.7124 4.6468 4.5713 21 4.9211 4.8784 4.8295 4.7731 4.7084 22 5.0153 4.9785 4.9361 4.8874 4.8315 23 5.1019 5.0696 5.0324 4.9897 4.9406 24 5.1785 5.1507 5.1187 5.0819 5.0396 25 5.2514 5.2274 5.1998 5.1681 5.1317 21ST 22ND 23RD 24TH 25TH 21 4.6340 22 4.7672 4.6933 23 4.8841 4.8193 4.7447 24 4.9910 4.9352 4.8710 4.7972 25 5.0898 5.0417 4.9864 4.9228 4.8498 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 98 (2 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 1ST 2ND 3RD 4TH 5TH 10 3.9604 3.9297 3.8943 3.8537 3.8069 11 4.0426 4.0169 3.9874 3.9535 3.9145 12 4.1243 4.1027 4.0778 4.0493 4.0165 13 4.1957 4.1774 4.1564 4.1323 4.1046 14 4.2668 4.2514 4.2336 4.2131 4.1896 15 4.3378 4.3246 4.3095 4.2921 4.2721 16 4.4086 4.3974 4.3844 4.3695 4.3525 17 4.4693 4.4596 4.4485 4.4357 4.4211 18 4.5399 4.5315 4.5220 4.5110 4.4984 19 4.5904 4.5832 4.5751 4.5657 4.5549 20 4.6508 4.6446 4.6375 4.6294 4.6200 21 4.7011 4.6958 4.6898 4.6828 4.6748 22 4.7514 4.7469 4.7416 4.7356 4.7286 23 4.8117 4.8076 4.8030 4.7977 4.7917 24 4.8519 4.8484 4.8445 4.8399 4.8347 25 4.9021 4.8991 4.8957 4.8918 4.8873 6TH 7TH 8TH 9TH 10TH 10 3.7532 3.6915 3.6206 3.5390 3.4453 11 3.8697 3.8182 3.7590 3.6910 3.6128 12 3.9787 3.9354 3.8856 3.8283 3.7625 13 4.0727 4.0360 3.9939 3.9455 3.8899 14 4.1626 4.1316 4.0959 4.0549 4.0077 15 4.2491 4.2227 4.1924 4.1575 4.1174 16 4.3328 4.3102 4.2843 4.2545 4.2202 17 4.4042 4.3848 4.3625 4.3369 4.3075 18 4.4839 4.4672 4.4481 4.4261 4.4007 19 4.5424 4.5282 4.5118 4.4929 4.4712 20 4.6093 4.5969 4.5827 4.5664 4.5476 21 4.6655 4.6549 4.6428 4.6288 4.6127 22 4.7207 4.7115 4.7010 4.6889 4.6750 23 4.7847 4.7766 4.7674 4.7568 4.7445 24 4.8286 4.8217 4.8138 4.8046 4.7941 25 4.8821 4.8761 4.8692 4.8614 4.8523 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 99 (1 of 2) _____________________________________________________________________ SECTION 235(R) FACTOR TABLES* CONTRACT RATE 14.00% SUBSIDY RATE 8.00% MORTGAGE AMORTIZATION YEAR - FORMULA TWO PREMIUM RATE .70% TERM (YEARS) 11TH 12TH 13TH 14TH 15TH 11 3.5230 12 3.6869 3.5999 13 3.8260 3.7525 3.6680 14 3.9536 3.8913 3.8197 3.7375 15 4.0713 4.0183 3.9574 3.8875 3.8070 16 4.1808 4.1355 4.0834 4.0236 3.9549 17 4.2737 4.2348 4.1901 4.1388 4.0798 18 4.3717 4.3382 4.2998 4.2556 4.2049 19 4.4463 4.4177 4.3848 4.3470 4.3036 20 4.5261 4.5013 4.4728 4.4401 4.4025 21 4.5942 4.5729 4.5485 4.5204 4.4882 22 4.6590 4.6406 4.6195 4.5952 4.5674 23 4.7305 4.7144 4.6959 4.6745 4.6501 24 4.7820 4.7681 4.7522 4.7338 4.7128 25 4.8419 4.8299 4.8162 4.8004 4.7822 16TH 17TH 18TH 19TH 20TH 11 12 13 14 15 16 3.8759 17 4.0119 3.9339 18 4.1466 4.0795 4.0025 19 4.2536 4.1962 4.1302 4.0544 20 4.3592 4.3095 4.2524 4.1868 4.1113 21 4.4511 4.4084 4.3595 4.3031 4.2384 22 4.5353 4.4985 4.4561 4.4074 4.3515 23 4.6219 4.5896 4.5524 4.5097 4.4606 24 4.6885 4.6607 4.6287 4.5919 4.5496 25 4.7614 4.7374 4.7098 4.6781 4.6417 21ST 22ND 23RD 24TH 25TH 21 4.1640 22 4.2872 4.2133 23 4.4041 4.3393 4.2647 24 4.5010 4.4452 4.3810 4.3072 25 4.5998 4.5517 4.4964 4.4328 4.3598 *NOTE:THE FACTORS IN THE FIRST COLUMN ON EACH PAGE OF THESE FACTOR TABLES ARE ORIGINATION FACTORS -- NOT AMORTIZATION FACTORS. FOR EXAMPLE: TO COMPUTE THE FORMULA TWO ASSISTANCE FOR THE 1ST ANNIVERSARY OF A MORTGAGE, SELECT THE CORRECT FACTOR FROM THE 2ND COLUMN OF FACTORS. PAGE 99 (2 of 2) _____________________________________________________________________ U.S. Department of Housing and Urban Development Third-Class Mail Washington, D.C. 20410-0000 Postage & Fees Paid HUD Official Business Permit No. G-51