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{"sheet":"GRH Upfront Fee Calculator","index":0,"n_rows":37,"n_cols":8,"rows_kept":37,"cut":false,"hidden":false,"merged":[[19,7,19,8],[25,0,25,1],[1,0,1,1],[10,0,10,1],[14,0,14,1],[24,0,24,1]]}
["Guarantee Upfront and Annual Fee Calculator - Version PV1.8  09/2/2014"]
["Guarantee Fee Calculator                                       (For Financing Entire Upfront Guarantee Fee)",null,null,"Guarantee Fee","Fee Reciprocal","GRH Fee Reg Factor"]
[null,null,null,"Select","Select","Select"]
["Appraised Value of Property being Financed:  ",null,{"$f":"IF(B4>B5,1,IF(B4=0,-1,0))","v":-1},"SELECT"]
["Enter Base Loan Amount (Must be less than or equal to the Appraised Value):  ",null,null,5.0000000000000001E-3,{"$f":"SUM(1-D5)","v":0.995},5.5555999999999999E-3]
["Select Guarantee Fee Percentage Rate:  ","SELECT",{"$f":"VLOOKUP(B6,D4:E19,2)","v":0},0.01,{"$f":"SUM(1-D6)","v":0.99},1.11111E-2]
["Guarantee Fee:  ",{"$f":"IF(B6=\"Select\",\" \",IF(C4=1,B5*B6,IF(C4=0,B4*B6,\" \")))","v":" "},null,1.2500000000000001E-2,0.98750000000000004,1.3888899999999999E-2]
["GRH Loan Without Guarantee Fee Financed:  ",{"$f":"IF(B6=\"Select\",\" \",IF(C4=0,B4,IF(C4=1,B5,\" \")))","v":" "},null,1.4999999999999999E-2,0.98499999999999999,1.66666E-2]
["GRH Loan with Entire Guarantee Fee Financed in Loan:  ",{"$f":"IF(B6=\"Select\",\" \",IF(C4=0,B4/C6,IF(C4=1,B5/C6,\" \")))","v":" "},null,1.7500000000000002E-2,0.98250000000000004,1.9444507755618901E-2]
["Guarantee Fee with Entire Fee Financed In Loan:  ",{"$f":"IF(B6=\"Select\",\" \",IF(B5<=0,\" \",IF(B4<B5,B4/C6,B5/C6)-IF(B5<B4,B5,B4)))","v":" "},null,0.02,0.98,2.2222200000000001E-2]
["The guarantee fee is always based on the final, full loan amount, including any fee that may be financed in the loan.  ",null,null,2.2499999999999999E-2,0.97750000000000004,2.5000000000000001E-2]
[null,null,null,2.5000000000000001E-2,0.97499999999999998,2.7777799999999998E-2]
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["Guarantee Fee Calculator                                                                                     (For Financing a Portion of the Upfront Guarantee Fee)",null,null,3.2500000000000001E-2,0.96750000000000003]
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["Enter Base Loan Amount (Must be less than or equal to the Appraised Value):  ",null,null,0.04,0.96]
["Amount of Fee to Be Financed in Loan:  ",null,{"$f":"IF(B19>0,1,0)","v":0}]
["Total Proposed GRH Loan With or Without Guarantee Fee Included                              (This value is limited to the maximum Loan based on Appraised Value):  ",{"$f":"IF(B17=0,\" \",IF(B18=0,\" \",IF(B18+B19<=(B17/C20),B18+B19,B17/C20)))","v":" "},{"$f":"VLOOKUP(B21,D22:E37,2)","v":0},"Guarantee Fee","Fee Reciprocal","GRH Fee Reg Factor",null,{"$f":"IF(B20=\" \",\" \",IF(B18+B19<=B17/C20,\" \",\"Total Proposed Loan was Limited to Maximum Loan based on Appraised Value!\"))","v":" "}]
["Select Guarantee Fee Percentage Rate:  ","SELECT",null,"Select","Select","Select"]
["Guarantee Fee on Proposed Loan:  ",{"$f":"IF(B21=\"Select\",\" \",IF(C17<>-1,B20*B21,\" \"))","v":" "},null,"SELECT"]
["Maximum GRH Loan based on Appraised Value:  ",{"$f":"IF(B21=\"Select\",\" \",B17/C20)","v":" "}]
["Guarantee Fee on Maximum Loan:  ",{"$f":"IF(B21=\"Select\",\" \",B23*B21)","v":" "},null,5.0000000000000001E-3,{"$f":"SUM(1-D24)","v":0.995},5.5555999999999999E-3]
["The guarantee fee is always based on the final, full loan amount, including any fee that may be financed in the loan.  ",null,null,0.01,{"$f":"SUM(1-D25)","v":0.99},1.11111E-2]
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[null,null,null,2.75E-2,0.97250000000000003]
[null,null,null,0.03,0.97]
[null,null,null,3.2500000000000001E-2,0.96750000000000003]
[null,null,null,3.5000000000000003E-2,0.96499999999999997]
[null,null,null,3.7499999999999999E-2,0.96250000000000002]
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{"sheet":"Loan Amortization Schedule","index":1,"n_rows":501,"n_cols":28,"rows_kept":501,"cut":false,"hidden":false,"merged":[[1,0,1,13],[4,2,4,3],[6,1,6,3],[6,9,6,11],[4,10,4,11]]}
["Guarantee Upfront and Annual Fee Calculator - Version PV1.8  09/2/2014"]
["Rural Development SFH Guaranteed Mortgage Loan Amortization Schedule"]
[]
[]
[null,"Lender Name:",null,null,null,null,null,null,null,"Borrower Name:"]
[]
[null,"Enter values",null,null,null,null,null,null,null,"Loan summary"]
[null,null,"Loan amount:  ",null,null,"(Including upfront Guarantee fee if financed)",null,null,null,null,"Scheduled Monthly Payment:  ",{"$f":"IF(Values_Entered,-PMT(Interest_Rate/Num_Pmt_Per_Year,Loan_Years*Num_Pmt_Per_Year,Loan_Amount),\"\")","v":""}]
[null,null,"Annual interest rate:  ",null,null,null,null,null,null,null,"Scheduled Number of Payments:  ",{"$f":"IF(Values_Entered,Loan_Years*Num_Pmt_Per_Year,\"\")","v":""}]
[null,null,"Loan Period in Years:  ",30,null,null,null,null,null,null,"Actual Number of Payments:  ",{"$f":"IF(Values_Entered,Number_of_Payments,\"\")","v":""}]
[null,null,"Number of Payments Per Year:  ",12,null,"(Must be 12 for RD Loans)",null,null,null,null,"Upfront Guarantee Fee:  ",{"$f":"IF(Values_Entered,Loan_Amount*Upfront_Guarantee_Fee,\"\")","v":""}]
[null,null,"Loan Closing Date:  ",null,null,"(See comment for instructions on this field by mousing over the cell)",null,null,null,null,"Total Annual Fee:  ",{"$f":"IF(Values_Entered,Total_Annual_Fee,\"\")","v":""}]
[null,null,"Start Date of Loan:  ",null,null,"(See comment for instructions on this field by mousing over the cell)",null,null,null,null,"Total interest:  ",{"$f":"IF(Values_Entered,SUMIF(Beg_Bal,\">0\",Int),\"\")","v":""}]
[null,null,"Upfront Guarantee Fee:  ",2.75E-2,null,null,null,null,null,null,"1st Year Monthly Annual Fee:  ",{"$f":"IF(Values_Entered,M33,\"\")","v":""}]
[null,null,"Annual Fee Rate:  ",5.0000000000000001E-3,null,null,null,null,null,null,"First Year Monthly Payment w/ Fee:  ",{"$f":"IF(Values_Entered,N22,\"\")","v":""}]
[null,null,"Optional extra payments",0]
[]
[]
[]
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{"sheet":"Annual Fee Schedule","index":2,"n_rows":63,"n_cols":8,"rows_kept":63,"cut":false,"hidden":false,"merged":[[52,1,52,3],[6,0,6,6],[10,2,10,3],[10,10,10,11],[10,5,10,6],[8,2,8,3],[8,5,8,6],[8,10,8,11]]}
[]
[]
[]
[]
[]
["Guarantee Upfront and Annual Fee Calculator - Version PV1.8  09/2/2014"]
["SFH Guaranteed Annual Fee Schedule"]
[]
[null,"Lender Name:  ",{"$f":"IF('Loan Amortization Schedule'!C5=\"\",\"\",'Loan Amortization Schedule'!C5)","v":""}]
[]
[null,"Borrower Name:  ",{"$f":"IF('Loan Amortization Schedule'!K5=\"\",\"\",'Loan Amortization Schedule'!K5)","v":""}]
[]
[null,null,"Loan Amount:  ",{"$f":"SUM(Loan_Amount)","v":0}]
[null,null,"Interest Rate:  ",{"$f":"IF(Interest_Rate=\"\",\"\",Interest_Rate)","v":""}]
[null,null,"Loan Term (Years):  ",{"$f":"IF(Num_Pmt_Per_Year=\"\",\"\",Loan_Years)","v":30}]
[null,null,"Loan Term (Months):  ",{"$f":"IF(Loan_Years=\"\",\"\",Loan_Years*Num_Pmt_Per_Year)","v":360}]
[null,null,"Upfront Guarantee Fee:  ",{"$f":"SUM('Loan Amortization Schedule'!L11)","v":0}]
[null,null,"Total Annual Fee:  ",{"$f":"SUM(E22:E51)","v":{"$error":"#DIV/0!"}}]
[]
["Year of Loan","Borrower Monthly Pmt. No.","Annual Fee Payment Date","Average Annual UPB","Annual Fee (Based on Avg. Annual UPB)","Annual Fee Monthly Amount","Scheduled Payment w/ Annual Fee"]
[]
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[2,{"$f":"SUM('Loan Amortization Schedule'!A34+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B45)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K45)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L45)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M45)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N45)","v":{"$error":"#VALUE!"}},{"$f":"SUM(F23*12)","v":{"$error":"#DIV/0!"}}]
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[5,{"$f":"SUM('Loan Amortization Schedule'!A70+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B81)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K81)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L81)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M81)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N81)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[6,{"$f":"SUM('Loan Amortization Schedule'!A82+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B93)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K93)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L93)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M93)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N93)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[7,{"$f":"SUM('Loan Amortization Schedule'!A94+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B105)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K105)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L105)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M105)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N105)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[8,{"$f":"SUM('Loan Amortization Schedule'!A106+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B117)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K117)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L117)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M117)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N117)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[9,{"$f":"SUM('Loan Amortization Schedule'!A118+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B129)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K129)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L129)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M129)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N129)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[10,{"$f":"SUM('Loan Amortization Schedule'!A130+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B141)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K141)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L141)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M141)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N141)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
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[12,{"$f":"SUM('Loan Amortization Schedule'!A154+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B165)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K165)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L165)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M165)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N165)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
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[14,{"$f":"SUM('Loan Amortization Schedule'!A178+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B189)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K189)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L189)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M189)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N189)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[15,{"$f":"SUM('Loan Amortization Schedule'!A190+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B201)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K201)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L201)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M201)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N201)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[16,{"$f":"SUM('Loan Amortization Schedule'!A202+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B213)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K213)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L213)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M213)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N213)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[17,{"$f":"SUM('Loan Amortization Schedule'!A214+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B225)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K225)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L225)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M225)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N225)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[18,{"$f":"SUM('Loan Amortization Schedule'!A226+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B237)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K237)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L237)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M237)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N237)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[19,{"$f":"SUM('Loan Amortization Schedule'!A238+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B249)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K249)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L249)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M249)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N249)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[20,{"$f":"SUM('Loan Amortization Schedule'!A250+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B261)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K261)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L261)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M261)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N261)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[21,{"$f":"SUM('Loan Amortization Schedule'!A262+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B273)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K273)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L273)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M273)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N273)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[22,{"$f":"SUM('Loan Amortization Schedule'!A274+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B285)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K285)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L285)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M285)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N285)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[23,{"$f":"SUM('Loan Amortization Schedule'!A286+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B297)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K297)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L297)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M297)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N297)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[24,{"$f":"SUM('Loan Amortization Schedule'!A298+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B309)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K309)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L309)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M309)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N309)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[25,{"$f":"SUM('Loan Amortization Schedule'!A310+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B321)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K321)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L321)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M321)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N321)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[26,{"$f":"SUM('Loan Amortization Schedule'!A322+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B333)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K333)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L333)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M333)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N333)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[27,{"$f":"SUM('Loan Amortization Schedule'!A334+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B345)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K345)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L345)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M345)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N345)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[28,{"$f":"SUM('Loan Amortization Schedule'!A346+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B357)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K357)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L357)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M357)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N357)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[29,{"$f":"SUM('Loan Amortization Schedule'!A358+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B369)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K369)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L369)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M369)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N369)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[30,{"$f":"SUM('Loan Amortization Schedule'!A370+11)","v":{"$error":"#VALUE!"}},{"$f":"SUM('Loan Amortization Schedule'!B381)","v":"00:00:00"},{"$f":"SUM('Loan Amortization Schedule'!K381)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!L381)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!M381)","v":{"$error":"#DIV/0!"}},{"$f":"SUM('Loan Amortization Schedule'!N381)","v":{"$error":"#VALUE!"}},{"$error":"#DIV/0!"}]
[null,null,null,null,{"$f":"SUM(E22:E51)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"SUM(H22:H51)","v":{"$error":"#DIV/0!"}}]
[null,"Estimated APR Calculation"]
[null,null,"Loan Amount:  ",143000,"(Enter base loan amount, not including an guarantee fee financed)"]
[null,null,"Interest Rate:  ",{"$f":"IF(Values_Entered,Interest_Rate,\"\")","v":""},{"$f":"IF(Values_Entered,SUMIF(Beg_Bal,\">0\",Int),\"\")","v":""}]
[null,null,"Loan Term (Years):  ",{"$f":"IF(Num_Pmt_Per_Year=\"\",\"\",Num_Pmt_Per_Year)","v":12}]
[null,null,"Loan Term (Months):  ",{"$f":"IF(Loan_Years=\"\",\"\",Loan_Years*Num_Pmt_Per_Year)","v":360}]
[null,null,"Scheduled Monthly Payment:  ",{"$f":"IF(Values_Entered,-PMT(Interest_Rate/Num_Pmt_Per_Year,Loan_Years*Num_Pmt_Per_Year,Loan_Amount),\"\")","v":""}]
[null,null,"Upfront Guarantee Fee:  ",{"$f":"IF(Values_Entered,Loan_Amount*Upfront_Guarantee_Fee,\"\")","v":""}]
[null,null,"Cumulative Annual Fee:  ",{"$f":"IF(Values_Entered,Borrower_Ttl_Annual_Fee,\"\")","v":""},"(Based on amount actually charged borrower)"]
[null,null,"Points:  "]
[null,null,"Other APR Eligible Fees:  ",0,{"$f":"SUM(E55+D59+D60+D61+D62)","v":{"$error":"#VALUE!"}},{"$f":"IF(Values_Entered,-PMT(Interest_Rate/Num_Pmt_Per_Year,Loan_Years*Num_Pmt_Per_Year,Total_Loan_w_Fees),\"\")","v":""}]
[null,null,"Estimated APR:  ",{"$f":"IF(Values_Entered,RATE(D57,-Scheduled_Monthly_Payment,D54)*12,\"\")","v":""}]

{"sheet":"Fee Prorating Calculator","index":3,"n_rows":19,"n_cols":15,"rows_kept":19,"cut":false,"hidden":false,"merged":[[3,2,3,3],[5,2,5,3],[1,0,1,5],[16,0,16,5],[15,0,15,5]]}
["Guarantee Upfront and Annual Fee Calculator - Version PV1.8  09/2/2014"]
["Annual Fee Payoff Prorating Calculator"]
[]
[null,"Lender Name:  "]
[]
[null,"Borrower Name:  "]
[null,null,null,null,null,null,null,null,null,"Day","Month","Year"]
[null,null,"Date of Loan:  ",null,"(Format date as mm/dd/yyyy)",null,null,null,null,{"$f":"DAY($D$8)","v":0},{"$f":"MONTH($D$8)","v":1},{"$f":"YEAR($D$8)","v":1900},null,{"$f":"12-K8","v":11}]
[null,null,"Date of Loan Payoff:  ",null,"(Format date as mm/dd/yyyy)",null,null,null,null,{"$f":"DAY($D$9)","v":0},{"$f":"MONTH($D$9)","v":1},{"$f":"YEAR($D$9)","v":1900},null,{"$f":"N8+K9","v":12}]
[null,null,"Years Loan Outstanding:  ",{"$f":"IF(AND(Date_of_Loan>0,Date_of_Loan_Payoff>0),Years_Outstanding,\"\")","v":""},null,null,null,null,null,null,null,{"$f":"IF(K8<=K9,L9-L8,L9-L8-1)","v":0},"Years Outstanding",{"$f":"IF(N9>=12,N9-12,N9)","v":0},"Months Outstanding"]
[null,null,"Months Loan Outstanding:  ",{"$f":"IF(AND(Date_of_Loan>0,Date_of_Loan_Payoff>0),Months_Outstanding,\"\")","v":""}]
[null,null,null,"The prorated annual fee due is based on",{"$f":"Months_Loan_Outstanding","v":""},"months."]
[null,null,null,null,null,"This is the number of months of annual fee due Rural Development since the last bill."]
[null,null,"Monthly Amount of Annual Fee:  "]
[null,null,"Estimated Prorated Annual Fee Due:  ",{"$f":"IF(OR(Monthly_Amount_of_Annual_Fee=\"\",Months_Prorated_AF_Due=\"\"),\"\",Monthly_Amount_of_Annual_Fee*Months_Prorated_AF_Due)","v":""}]
["Prorated Annual Fee Due is only an estimate.  Contact Rural Development for an accurate prorated amount due or access the termination page on USDALINC.gov "]
["NOTE:  This calculator is for reference only.  Proration of the annual fee is based on the calendar month instead of date of loan (day) and payoff date (day).  However, you must enter the settlement date of the loan and the actual payoff date of the loan (MM/DD/YYYY)"]
[null,null,{"$f":"IF(AND(D8>0,D9>0),IF(N10=12,L10+1,IF(N10<>12,L10,\"\")))","v":false}]
[null,null,{"$f":"IF(AND(D8>0,D9>0),IF(N10=12,\"0\",IF(N10<>12,N10,\"\")))","v":false}]