{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Transaction","Seller Worksheet","NET TO SELLER","Buyer Worksheet","COST TO BUYER","See the Calculations"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":2,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Transaction","index":0,"n_rows":36,"n_cols":5,"rows_kept":36,"cut":false,"hidden":false,"merged":[[1,2,1,3]]}
[]
[null,null,"TRANSACTION INFORMATION"]
[]
[null,null,"Prepared By:"]
[]
[null,null,"Property Address:"]
[null,null,null,null,360]
[null,null,"Financial Calculator Days:",360,365]
[]
[null,null,"Closing Date:","1900-01-01"]
[]
[null,null,"Purchase Price:",0]
[]
[null,null,"Earnest Money Deposit:",0]
[]
[null,null,"Closing Cost Paid by Seller:",0]
[]
[null,null,"Compensation Due Seller's Broker:",0]
[null,null,"Compensation Due Buyer's Broker:",0]
[null,null,"Who is Paying Buyer's Broker?","Seller","Seller"]
[null,null,null,null,"Buyer"]
[null,null,"Annual Property Taxes Due:",0]
[null,null,"Property Taxes Already Paid by Seller:",0]
[null,null,"Property Taxes Annually On:","1900-01-01"]
[]
[null,null,"HOA Monthly Dues:",0]
[null,null,"HOA Initation & Transfer Fees:",0]
[]
[null,null,"Tenant Monthly Rent Amount:",0]
[null,null,"Tenant Last Paid Rent On:","1900-01-01"]
[null,null,"Tenant Security Deposit:",0]
[]
[]
[null,null,"This worksheet is believe accurate but is not warranted. "]
[null,null,"© 2011-2025, 3rd Rock Companies. No part of this worksheet may be copied, modified, or reproduced"]
[null,null,"without the expressed written permission of the author."]

{"sheet":"Seller Worksheet","index":1,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[[1,2,1,3]]}
[]
[null,null,"SELLER INFORMATION"]
[]
[]
[null,null,"Seller Name 1:"]
[null,null,"Seller Name 2:"]
[]
[null,null,"First Mortgage Balance:"]
[null,null,"First Mortgage Interest Rate:",0]
[]
[null,null,"Second Mortgage Balance:",0]
[null,null,"Second Mortgage Interest Rate:",0]
[]
[null,null,"Mortgage Payment Date:","1900-01-01"]
[]
[null,null,"Prepayment Penalty:",0]
[]
[null,null,"Property Taxes Escrowed with Lender?","Yes"]
[]
[null,null,"Hazzard Insurance Cost / Year:",0]
[null,null,"Hazzard Insurance Policy Start Date:","1900-01-01"]
[]
[null,null,"Hazzard Insurance Premium held in Escrow?","Yes"]
[]
[null,null,"HOA Transfer / Initiation Fees Disclosed?","Yes",null,"Yes"]
[null,null,"HOA Clearance Letter:",0,null,"No"]
[null,null,"HOA Special Assessments:",0]
[]
[null,null,"Estimated Repair Cost:",0]

{"sheet":"NET TO SELLER","index":2,"n_rows":80,"n_cols":11,"rows_kept":80,"cut":false,"hidden":false,"merged":[[77,3,77,4],[79,2,79,4],[13,3,13,4],[3,3,3,4],[1,2,1,5],[7,3,7,5],[9,3,9,5],[5,3,5,5],[75,3,75,4]]}
[]
[null,null,"ESTIMATED NET TO SELLER"]
[]
[null,null,"Date of Estimate:",{"$f":"+TODAY()","v":"2026-04-14"}]
[]
[null,null,"Property Address:",{"$f":"+Transaction!D6","v":0}]
[]
[null,null,"Sellers:",{"$f":"IF('Seller Worksheet'!D6=\"\",'Seller Worksheet'!D5,'Seller Worksheet'!D5&\" & \"&'Seller Worksheet'!D6)","v":0}]
[]
[null,null,"Prepared By:",{"$f":"+Transaction!D4","v":0}]
[]
[null,null,"Purchase Price:",{"$f":"+Transaction!D12","v":0}]
[]
[null,null,"Closing Date:",{"$f":"+Transaction!D10","v":"1900-01-01"}]
[]
[]
[null,null,"1st Loan Amount:",{"$f":"+'Seller Worksheet'!D8","v":0}]
[]
[null,null,"Interest Adjustment",{"$f":"+'See the Calculations'!B49","v":0}]
[]
[null,null,"2nd Loan Amount:",{"$f":"+'Seller Worksheet'!D11","v":0}]
[]
[null,null,"Interest Adjustment",{"$f":"+'See the Calculations'!B54","v":0}]
[]
[null,null,"Prepayment Penalty",{"$f":"+'Seller Worksheet'!D16","v":0}]
[]
[]
[null,null,"TOTAL LOAN PAYOFF EXPENSES",null,{"$f":"SUM(D17:D25)","v":0}]
[]
[]
[null,null,"Seller Closing Cost Contrib:",{"$f":"+Transaction!D16","v":0}]
[]
[null,null,"Unpaid Property Taxes:",{"$f":"+IF('See the Calculations'!D20<0,0,'See the Calculations'!D17)","v":0}]
[]
[null,null,"Repairs:",{"$f":"+'Seller Worksheet'!D29","v":0}]
[]
[null,null,"HOA Transfer / Initiation Fees:",{"$f":"+IF('Seller Worksheet'!D25=\"yes\",0,Transaction!D27)","v":0}]
[]
[null,null,"HOA Special Assessments:",{"$f":"+'Seller Worksheet'!D27","v":0},null,null,null,null,null,null,"4/16/20256"]
[]
[null,null,"HOA Clearance Letter",{"$f":"+'Seller Worksheet'!D26","v":0},null,null,null,null,null,null,20]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+K39+20","v":{"$error":"#VALUE!"}}]
[null,null,"Prorated Rent to Buyer:",{"$f":"+'See the Calculations'!E32","v":0}]
[]
[null,null,"Security Deposit Transfer:",{"$f":"+'See the Calculations'!E34","v":0}]
[]
[null,null,"Seller's Brokerage Fee:",{"$f":"+Transaction!D12*Transaction!D18","v":0}]
[]
[null,null,"Buyer's Brokerage Fee:",{"$f":"+IF(Transaction!D20=\"Seller\",Transaction!D12*Transaction!D19,0)","v":0}]
[]
[null,null,null,0]
[]
[null,null,null,0]
[]
[]
[null,null,"COST OF SALE",null,{"$f":"SUM(D31:D53)","v":0}]
[]
[]
[null,null,"Prepaid Property Taxes:",{"$f":"+IF('See the Calculations'!D20<0,'See the Calculations'!D21,0)","v":0}]
[]
[null,null,"HOA Fees:",{"$f":"+'See the Calculations'!E39","v":0}]
[]
[null,null,"Prepaid Hazzard Insurance",{"$f":"+'See the Calculations'!E73","v":0}]
[]
[null,null,null,0]
[]
[]
[]
[null,null,"CREDITS",null,{"$f":"SUM(D59:D65)","v":0}]
[]
[]
[null,null,"ESTIMATED NET TO SELLER:",null,{"$f":"+D12-E28-E56+E69","v":0}]
[]
[]
[]
[null,null,"Property Tax Escrow Refund:","Confirm refund amount with Lender"]
[]
[null,null,"Hazzard Ins. Escrow Refund:","Confirm refund amount with Lender"]
[]
[null,null,"All information is believed accurate but is not warranted. Seller should consult with lender and/or closing attorney to confirm amounts shown above."]

{"sheet":"Buyer Worksheet","index":3,"n_rows":37,"n_cols":8,"rows_kept":37,"cut":false,"hidden":false,"merged":[[1,2,1,4]]}
[]
[null,null,"BUYER INFORMATION"]
[]
[null,null,"Buyer Name 1:",null,null,null,{"$f":"+IF(E5=\"\",E4,E4&\" & \"&E5)","v":0}]
[null,null,"Buyer Name 2:"]
[]
[null,null,"Downpayment %:",null,0,null,{"$f":"+(E7-1)*-1","v":1}]
[]
[null,null,"First Mortgage Balance:",null,{"$f":"+Transaction!D12-(Transaction!D12*'Buyer Worksheet'!E7)","v":0}]
[null,null,"First Mortgage Interest Rate:",null,7.0000000000000007E-2]
[null,null,"Loan Term (Years):",null,30]
[]
[null,null,"Second Mortgage Balance:",null,0]
[null,null,"Second Mortgage Interest Rate:",null,7.0000000000000007E-2]
[null,null,"Loan Term (Years):",null,30]
[null,null,null,null,null,null,"Conventional"]
[null,null,"Loan Type:",null,"Conventional",null,"FHA"]
[null,null,{"$f":"+IF(E17=\"Conventional\",\"PMI Required?\",IF(E17=\"FHA\",\"MIP Required?\"))","v":"PMI Required?"},null,"No",null,"Yes"]
[null,null,{"$f":"+IF(E17=\"Conventional\",\"PMI Rate:\",IF(E17=\"FHA\",\"MIP Rate:\",\"\"))","v":"PMI Rate:"},null,0,null,"No"]
[null,null,"UFMIP Financed or Paid at Closing?",null,"Paid Up Front",null,"Financed"]
[null,null,null,null,null,null,"Paid Up Front"]
[null,null,"Loan Amount Assumed",null,0]
[]
[null,null,"Total Buyer Closing Cost",null,0]
[]
[null,null,"Discount Points Paid on First Mortgage",null,0,null,0.01,{"$f":"+E26*G26","v":0}]
[]
[null,null,"Hazzard Insurance Cost / Year",null,0]
[null,null,"Hazzard Insurance Policy Start Date:",null,"1900-01-01"]
[]
[null,null,"Will Lender Require Taxes & Insurance Escrow?",null,"Yes"]
[]
[null,null,"HOA Transfer / Initiation Fees Disclosed?",null,"Yes"]
[]
[null,null,"Other Monthly Fee:",null,0]
[]
[null,null,"Other Monthly Fee:",null,0]

{"sheet":"COST TO BUYER","index":4,"n_rows":76,"n_cols":16,"rows_kept":76,"cut":false,"hidden":false,"merged":[[75,2,75,9],[1,7,1,9],[1,2,1,5],[13,3,13,5],[22,8,22,9]]}
[]
[null,null,"ESTIMATED BUYER COST TO CLOSE",null,null,null,null,"ESTIMATED PAYMENT"]
[]
[null,null,"Date of Estimate:",{"$f":"+TODAY()","v":"2026-04-14"},null,null,null,"Principal and Interest:",null,{"$f":"+'See the Calculations'!B110","v":0}]
[]
[null,null,"Property Address:",{"$f":"+Transaction!D6","v":0},null,null,null,"Hazzard Insurance:",null,{"$f":"+'See the Calculations'!B70","v":0}]
[]
[null,null,"Buyers:",{"$f":"+'Buyer Worksheet'!G4","v":0},null,null,null,"Mortgage Insurance:",null,{"$f":"IF(AND('Buyer Worksheet'!E17=\"FHA\", 'Buyer Worksheet'!E20=\"Financed\"), 'See the Calculations'!E95, 'See the Calculations'!D95)","v":0}]
[]
[null,null,"Prepared By:",{"$f":"+Transaction!D4","v":"00:00:00"},null,null,null,"Property Taxes:",null,{"$f":"+'See the Calculations'!B23","v":0}]
[]
[null,null,"Purchase Price:",{"$f":"+Transaction!D12","v":0},null,null,null,"HOA Dues:",null,{"$f":"+'See the Calculations'!B41","v":0}]
[]
[null,null,"Closing Date:",{"$f":"+Transaction!D10","v":"1900-01-01"},null,null,null,"Other:",null,{"$f":"+'Buyer Worksheet'!E35","v":0}]
[]
[null,null,null,null,null,null,null,"Other:",null,{"$f":"+'Buyer Worksheet'!E37","v":0}]
[null,null,"1st Loan Amount:",{"$f":"+'Buyer Worksheet'!E9","v":0}]
[]
[null,null,"2nd Loan Amount:",{"$f":"+'Buyer Worksheet'!E13","v":0},null,null,null,"ESTIMATED MONTHLY PAYMENT:",null,{"$f":"SUM(J4:J16)","v":0}]
[]
[null,null,"Total Loan Amount:",{"$f":"+D17+D19","v":0}]
[]
[null,null,"Downpayment:",null,null,{"$f":"+Transaction!D12*'Buyer Worksheet'!E7","v":0},null,"First Payment Due Date:",{"$f":"+IF(O23=1,M25,M27)","v":"1900-02-01"},null,null,null,{"$f":"+Transaction!D10","v":"1900-01-01"},{"$f":"+MONTH(M23)","v":1},{"$f":"+DAY(M23)","v":1},{"$f":"+YEAR(M23)","v":1900}]
[]
[null,null,"Loan Discount Points:",null,null,{"$f":"+'Buyer Worksheet'!E9*'Buyer Worksheet'!H26","v":0},null,null,null,null,null,null,{"$f":"DATE(YEAR(M23),MONTH(M23)+1,1)","v":"1900-02-01"},null,null,{"$f":"+P23+1","v":1901}]
[]
[null,null,"Total Closing Costs:",null,null,{"$f":"+'Buyer Worksheet'!E24","v":0},null,null,null,null,null,null,{"$f":"DATE(YEAR(M23),MONTH(M23)+2,1)","v":"1900-03-01"}]
[]
[null,null,"Interest Adjustment:",null,null,{"$f":"+'See the Calculations'!D49+'See the Calculations'!D54","v":0}]
[]
[null,null,"Mortgage Insurance UFMIP:",null,null,{"$f":"+IF('Buyer Worksheet'!E20=\"Financed\",0,'See the Calculations'!B94)","v":0}]
[]
[]
[null,null,"TOTAL FINANCING COSTS:",null,null,{"$f":"SUM(F23:F31)","v":0}]
[]
[]
[null,null,"Property Taxes:",{"$f":"+'See the Calculations'!B67","v":0},null,null,null,null,null,null,null,null,"FHA",{"$f":"+'See the Calculations'!D95","v":0}]
[]
[null,null,"Hazzard Insurance:",{"$f":"+'See the Calculations'!B74","v":0},null,null,null,null,null,null,null,null,"FHA UF",{"$f":"+'See the Calculations'!E95","v":0}]
[]
[]
[null,null,"PREPAIDS & ESCROW ESTABLISHEMENT:",null,null,{"$f":"SUM(D37:D39)","v":0},null,null,null,null,null,null,null,{"$f":"+'Buyer Worksheet'!E20","v":"Paid Up Front"}]
[]
[]
[null,null,"Hazzard Insurance Premium:",{"$f":"+'Buyer Worksheet'!E28","v":0}]
[]
[null,null,"HOA Dues:",{"$f":"+'See the Calculations'!E39","v":0}]
[]
[null,null,"HOA Initiation Fee:",{"$f":"+IF('Buyer Worksheet'!E33=\"Yes\",Transaction!D27,0)","v":0}]
[]
[null,null,"Ga. Transfer Tax:",{"$f":"+'See the Calculations'!D81","v":0},null,null,null,null,null,null,null,null,"PMI",{"$f":"+IF('Buyer Worksheet'!E18=\"No\",0,'See the Calculations'!D97)","v":0}]
[]
[null,null,"Ga. Intangibles Tax:",{"$f":"+'See the Calculations'!D90","v":0}]
[]
[]
[null,null,"MISCELLANEOUS CHARGES:",null,null,{"$f":"SUM(D45:D53)","v":0}]
[]
[]
[null,null,"Earnest Money Deposit:",{"$f":"+Transaction!D14","v":0}]
[]
[null,null,"Seller Closing Cost Contrib:",{"$f":"+Transaction!D16","v":0}]
[]
[null,null,"Buyer's Brokerage Fee:",{"$f":"IF(Transaction!D20=\"Buyer\",+Transaction!D12*Transaction!D19,0)","v":0}]
[]
[null,null,"Tenant Rent from Seller:",{"$f":"+'See the Calculations'!E32","v":0}]
[]
[null,null,"Tenant Security Deposit:",{"$f":"+Transaction!D31","v":0}]
[]
[]
[null,null,"CREDITS:",null,null,{"$f":"SUM(D59:D65)","v":0}]
[]
[]
[null,null,"ESTIMATED COST TO CLOSE:",null,null,{"$f":"+F34+F42+F56-F70","v":0}]
[]
[]
[null,null,"All information is believed accurate but is not warranted. Buyer should consult with lender and/or closing attorney to confirm amount due at closing."]

{"sheet":"See the Calculations","index":5,"n_rows":130,"n_cols":54,"rows_kept":130,"cut":false,"hidden":false,"merged":[[16,7,16,8]]}
["Counting Days",null,null,null,null,null,"Month","Days"]
[null,null,"Month","Day","Year","January",1,31]
["Closing Date",{"$f":"+Transaction!D10","v":"1900-01-01"},{"$f":"+MONTH(B3)","v":1},{"$f":"+DAY(B3)","v":1},{"$f":"+YEAR(B3)","v":1900},"February",2,28]
["Days in Month",null,null,{"$f":"+LOOKUP(C3,G2:H13)","v":31},null,"March",3,31]
[null,null,null,null,null,"April",4,30]
[null,"For the Month","For the Year",null,null,"May",5,31]
["Seller Owns",{"$f":"+D3","v":1},{"$f":"365-C8","v":0},null,null,"June",6,30]
["Buyer Owns",{"$f":"+D4-B7","v":30},{"$f":"DATE(YEAR(B3),12,31)-B3","v":365},null,null,"July",7,31]
[null,null,null,null,null,"August",8,31]
[null,null,null,null,null,"September",9,30]
[null,null,null,null,null,"October",10,31]
[null,null,null,null,null,"November",11,30]
[null,null,null,null,null,"December",12,31]
[]
["Property Tax Proration"]
["Property Tax  / Day",{"$f":"+ROUND(B17/365,4)","v":0},null,"Seller Owes","Buyer Owes"]
["Taxes Due",{"$f":"+Transaction!D22","v":0},null,{"$f":"+ROUND(C7*B16,2)","v":0},{"$f":"+ROUND(B16*C8,2)","v":0},null,"Seller Balance",{"$f":"+D17-B18","v":0}]
["Seller Paid",{"$f":"+Transaction!D23","v":0},null,{"$f":"+B18","v":0},null,null,"Buyer Balance",null,{"$f":"+E17","v":0}]
[null,null,null,{"$f":"+D17-D18","v":0}]
[null,null,"Seller Property Taxes Balance Due  g",{"$f":"+D17-D18","v":0}]
[null,null,"Seller Credit for Property Taxes  g",{"$f":"+E21","v":0},{"$f":"+E17","v":0},"f  Buyer Debit for Property Taxes"]
[]
["Estimated Property Tax / Month",{"$f":"+B17/12","v":0}]
[]
["Rent Proration"]
["Monthly Rent Due",{"$f":"+Transaction!D29","v":0},"Month","Day","Year",null,"Rental Paid Through Date"]
["Rent Paid on",{"$f":"+Transaction!D30","v":"1900-01-01"},{"$f":"+MONTH(B27)","v":1},{"$f":"+DAY(B27)","v":1},{"$f":"+YEAR(B27)","v":1900},null,{"$f":"+B27+C28-1","v":"1900-01-31"}]
[null,null,{"$f":"+LOOKUP(C27,G2:H13)","v":31},"f Days in Month Rent Paid",null,null,{"$f":"+C28-G29","v":1},"f Days Rent Retained by Seller"]
[null,null,{"$f":"+ROUND(B26/C28,4)","v":0},"f Rent Due / Day",null,null,{"$f":"+G27-B3","v":30},"f Days Rent Due Buyer"]
[]
[null,null,null,"Seller Side","Buyer Gets"]
[null,null,"Does NOT appear on Seller Net Sheet  g",{"$f":"+C29*G28","v":0},{"$f":"+B26-D32","v":0},"f  Buyer Credit for Rent"]
[]
["Security Deposit Held by Seller",null,null,null,{"$f":"+Transaction!D31","v":0},"f  Buyer Credit for Security Deposit"]
[]
["HOA Proration"]
["Monthly HOA Due",{"$f":"+Transaction!D26","v":0}]
["Daily HOA",{"$f":"+B37/D4","v":0},null,"Seller Side","Buyer Owes"]
[null,null,"Does NOT appear on Seller Net Sheet  g",{"$f":"+B38*B7","v":0},{"$f":"+B37-D39","v":0},"f  Buyer Debit & Seller Credit for Pre-Paid HOA Bues"]
[]
["Estimated HOA / Month",{"$f":"+B37/12","v":0}]
[]
["Interest Adjustments"]
["Financial Calendar Used",{"$f":"+Transaction!D8","v":360}]
[null,"Seller Side",null,"Buyer Side",null,"Seller days adjustment if Mortgage not paid on the 1st of a Month"]
["First Mortgage",{"$f":"+'Seller Worksheet'!D8","v":0},null,{"$f":"+'Buyer Worksheet'!E9","v":0},null,{"$f":"+'Seller Worksheet'!D14","v":"1900-01-01"},{"$f":"+I47-J46+1","v":31},null,{"$f":"+MONTH(F46)","v":1},{"$f":"+DAY(F46)","v":1},null,{"$f":"+IF(J46=1,1,J46)","v":1}]
["First Mortgage Interest Rate",{"$f":"+'Seller Worksheet'!D9","v":0},"Days i",{"$f":"+'Buyer Worksheet'!E10","v":7.0000000000000007E-2},null,"through",null,null,{"$f":"+LOOKUP(I46,G2:H13)","v":31}]
["Interest Charge Per Day",{"$f":"+(B46*B47)/$B$44","v":0},{"$f":"+IF(L46=1,B7,G49)","v":1},{"$f":"+(D46*D47)/$B$44","v":0},null,{"$f":"+F46+I47-1","v":"1900-01-31"},{"$f":"+J52","v":1},null,{"$f":"+MONTH(F48)","v":1},{"$f":"+DAY(F48)","v":31}]
["Interest Adjustment",{"$f":"+B48*C48","v":0},null,{"$f":"+IF(D3=1,0,D48*(B8+1))","v":0},null,"Days",{"$f":"+G46+G48","v":32}]
[]
["Second Mortgage",{"$f":"+'Seller Worksheet'!D11","v":0},null,{"$f":"+'Buyer Worksheet'!E13","v":0},null,null,null,null,"Closing"]
["Second Mortgage Interest Rate",{"$f":"+'Seller Worksheet'!D12","v":0},null,{"$f":"+'Buyer Worksheet'!E14","v":7.0000000000000007E-2},null,{"$f":"+B3","v":"1900-01-01"},null,null,{"$f":"+MONTH(F52)","v":1},{"$f":"+DAY(F52)","v":1}]
["Interest Charge Per Day",{"$f":"+(B51*B52)/$B$44","v":0},null,{"$f":"+(D51*D52)/$B$44","v":0}]
["Interest Adjustment",{"$f":"+B53*B7","v":0},null,{"$f":"+IF(D3=1,0,D53*(B8+1))","v":0}]
[]
["Escrow Impounds"]
["BUYER","Month","Day"]
["Property Tax Due Date",{"$f":"+MONTH(Transaction!D24)","v":1}]
["Closing Date",{"$f":"+MONTH($B$3)","v":1},{"$f":"+DAY($B$3)","v":1}]
[null,null,null,null,null,null,"MONTHS",1,2,3,4,5,6,7,8,9,10,11,12]
["Months of Payments ",{"$f":"+INDEX(H61:S72,MATCH(B58,G61:G72,0),MATCH(B59,H60:S60))","v":11},null,null,null,null,1,11,0,1,2,3,4,5,6,7,8,9,10]
["Before Taxes Due",2,"f  Month's Pad Allowed",null,null,null,2,10,11,0,1,2,3,4,5,6,7,8,9]
[null,null,null,null,null,null,3,9,10,11,0,1,2,3,4,5,6,7,8]
["Total Escrow Months",{"$f":"+B61+B62","v":13},null,null,null,null,4,8,9,30,11,0,1,2,3,4,5,6,7]
["Property Tax / Month",{"$f":"+B17/12","v":0},null,null,null,null,5,7,8,9,10,11,0,1,2,3,4,5,6]
[null,null,null,null,null,null,6,6,7,8,9,10,11,0,1,2,3,4,5]
["Establish Tax Escrow",{"$f":"+B64*B65","v":0},null,null,null,null,7,5,6,7,8,9,10,11,0,1,2,3,4]
[null,null,null,"SELLER HAZZARD INS. PREPAID",null,null,8,4,5,6,7,8,9,10,11,0,1,2,3]
["Hazzard Insurance Premium",{"$f":"+'Buyer Worksheet'!E28","v":0},null,"Hazzard Insurance Premium",{"$f":"+'Seller Worksheet'!D20","v":0},null,9,3,4,5,6,7,8,9,10,11,0,1,2]
["Insurance / Month",{"$f":"+B69/12","v":0},null,"Insurance / Month",{"$f":"+'Seller Worksheet'!D21","v":"1900-01-01"},null,10,2,3,4,5,6,7,8,9,10,11,0,1]
[null,null,null,"Renewal Date",{"$f":"DATE(YEAR(TODAY()), MONTH(E70), DAY(E70))","v":"2026-01-01"},null,11,1,2,3,3,5,6,7,8,9,10,11,0]
["Months Pad Allowed",{"$f":"+IF(C59=1,2,3)","v":2},null,"Days Overpaid",{"$f":"+E71-Transaction!D10","v":46022},null,12,0,1,2,3,4,5,6,7,8,9,10,11]
[null,null,null,"Refund",{"$f":"+(E69/365)*E72","v":0}]
["Establish Insurance Escrow",{"$f":"+B70*B72","v":0}]
[]
["Closing Taxes"]
["Transfer Tax"]
["Sales Price",{"$f":"+Transaction!D12","v":0}]
["Loan Assumed",{"$f":"+'Buyer Worksheet'!E22","v":0}]
["Tax Value",{"$f":"+B78-B79","v":0},"÷ 100 =",{"$f":"+B80/100","v":0},{"$f":"+ROUNDUP(D80,0)","v":0},"f  Round Up to Whole Dollar"]
["Transfer Tax Amount",{"$f":"+E80","v":0},"x .10 =",{"$f":"+B81*0.1","v":0}]
[]
["Intangibles Tax"]
["First Loan Amount",{"$f":"+'Buyer Worksheet'!E9","v":0},"÷ 500 =",{"$f":"+B84/500","v":0},{"$f":"+ROUNDUP(D84,0)","v":0},"f  Round Up to Whole Dollar"]
["Tax Amount",{"$f":"+E84","v":0},"x 1.50 =",{"$f":"+B85*1.5","v":0}]
[]
["Second Loan Amount",{"$f":"+'Buyer Worksheet'!E13","v":0},"÷ 500 =",{"$f":"+B87/500","v":0},{"$f":"+ROUNDUP(D87,0)","v":0},"f  Round Up to Whole Dollar"]
["Tax Amount",{"$f":"+E87","v":0},"x 1.50 =",{"$f":"+B88*1.5","v":0}]
[]
["Intangibles Tax Amount",null,null,{"$f":"+D85+D88","v":0}]
[]
["Mortgage Insurance"]
[null,null,null,null,"UFMIP Financed In"]
["UFMIP",{"$f":"+'Buyer Worksheet'!E9*0.0175","v":0},null,null,{"$f":"+ROUNDDOWN(B94,0)","v":0},"f  Round Down to Whole Dollar and Add to Loan Amount if Financed"]
["MIP / Month",{"$f":"+'Buyer Worksheet'!E9*'Buyer Worksheet'!E19","v":0},"÷ 12 =",{"$f":"+B95/12","v":0},{"$f":"+(('Buyer Worksheet'!E9+'See the Calculations'!E94)*'Buyer Worksheet'!E19)/12","v":0}]
[]
["PMI / Month",{"$f":"+'Buyer Worksheet'!E9*'Buyer Worksheet'!E19","v":0},"÷ 12 =",{"$f":"+B97/12","v":0}]
[]
["Factor Table (P&I)",null,null,null,null,null,null,"INTEREST RATES  g"]
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["Factor",{"$f":"+INDEX(H101:BB130,MATCH(C102,G101:G130,0),MATCH(D102,H100:BB100,0))","v":6.66},{"$f":"+'Buyer Worksheet'!E11","v":30},{"$f":"+'Buyer Worksheet'!E10","v":7.0000000000000007E-2},null,null,2,42.22,42.33,42.44,42.55,42.66,42.769999999999996,42.879999999999995,42.989999999999995,43.1,43.21,43.32,43.43,43.54,43.65,43.76,43.879999999999995,43.989999999999995,44.1,44.21,44.33,44.44,44.55,44.66,44.78,44.89,45,45.12,45.23,45.35,45.46,45.58,45.69,45.8,45.919999999999995,46.03,46.15,46.269999999999996,46.379999999999995,46.5,46.61,46.73,46.85,46.96,47.08,47.199999999999996,47.309999999999995,47.43]
["Principal & Interest",{"$f":"+B101*B102","v":0},null,null,null,null,3,28.32,28.430000000000003,28.540000000000003,28.650000000000002,28.76,28.87,28.98,29.09,29.200000000000003,29.310000000000002,29.42,29.53,29.64,29.75,29.860000000000003,29.98,30.09,30.200000000000003,30.310000000000002,30.430000000000003,30.540000000000003,30.650000000000002,30.770000000000003,30.880000000000003,31,31.110000000000003,31.23,31.34,31.46,31.57,31.69,31.8,31.92,32.04,32.15,32.269999999999996,32.39,32.51,32.629999999999995,32.739999999999995,32.86,32.979999999999997,33.1,33.22,33.339999999999996,33.46,33.58]
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["Loan Amount - Second",{"$f":"+'Buyer Worksheet'!E13","v":0},null,null,null,null,5,17.21,17.310000000000002,17.420000000000002,17.53,17.64,17.75,17.860000000000003,17.970000000000002,18.09,18.200000000000003,18.310000000000002,18.420000000000002,18.53,18.650000000000002,18.760000000000002,18.880000000000003,18.990000000000002,19.110000000000003,19.220000000000002,19.34,19.450000000000003,19.57,19.690000000000001,19.810000000000002,19.920000000000002,20.040000000000003,20.16,20.28,20.400000000000002,20.520000000000003,20.64,20.76,20.880000000000003,21.01,21.130000000000003,21.25,21.380000000000003,21.5,21.62,21.75,21.87,22,22.12,22.25,22.380000000000003,22.5,22.630000000000003]
["÷ 1,000",{"$f":"+B105/1000","v":0},"Term","Rate",null,null,6,14.43,14.54,14.65,14.76,14.87,14.98,15.09,15.2,15.31,15.42,15.54,15.65,15.76,15.879999999999999,15.99,16.110000000000003,16.23,16.34,16.46,16.580000000000002,16.700000000000003,16.810000000000002,16.930000000000003,17.05,17.170000000000002,17.3,17.420000000000002,17.540000000000003,17.66,17.78,17.91,18.03,18.150000000000002,18.28,18.41,18.53,18.66,18.78,18.91,19.040000000000003,19.170000000000002,19.3,19.430000000000003,19.560000000000002,19.690000000000001,19.82,19.950000000000003]
["Factor",{"$f":"+INDEX(H101:BB130,MATCH(C107,G101:G130,0),MATCH(D107,H100:BB100,0))","v":6.66},{"$f":"+'Buyer Worksheet'!E15","v":30},{"$f":"+'Buyer Worksheet'!E14","v":7.0000000000000007E-2},null,null,7,12.44,12.549999999999999,12.66,12.77,12.879999999999999,12.99,13.11,13.22,13.33,13.44,13.56,13.67,13.79,13.91,14.02,14.14,14.26,14.379999999999999,14.49,14.61,14.73,14.85,14.98,15.1,15.22,15.34,15.47,15.59,15.72,15.84,15.97,16.09,16.220000000000002,16.350000000000001,16.48,16.610000000000003,16.740000000000002,16.87,17,17.130000000000003,17.260000000000002,17.39,17.520000000000003,17.66,17.790000000000003,17.930000000000003,18.060000000000002]
["Principal & Interest",{"$f":"_xlfn.IFNA(B106*B107,0)","v":0},null,null,null,null,8,10.959999999999999,11.07,11.18,11.29,11.4,11.51,11.62,11.73,11.85,11.959999999999999,12.08,12.19,12.31,12.43,12.549999999999999,12.66,12.78,12.9,13.03,13.15,13.27,13.39,13.51,13.64,13.76,13.89,14.01,14.14,14.27,14.4,14.53,14.66,14.79,14.92,15.049999999999999,15.18,15.31,15.45,15.58,15.709999999999999,15.85,15.98,16.12,16.260000000000002,16.400000000000002,16.53,16.670000000000002]
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