Option Strict Off
Option Explicit On


Public Class frmMain
    'declaring the  module-level variables
    Private mdblDownPaymentTotal, mdblClosingCostTotal, mdblCashtoCloseTotal, mdblPrincipalInterestTotal, mdblPropertytaxesTotal, _
         mdblInsuranceTotal, mdblMonthlyPaymentTotal, mdblperiod As Double

    Private mdblPurchasePrice, mdblInterestRate As Double


    Private Sub btnCalculate_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnCalculate.Click

        'accept the purchase price input
        mdblPurchasePrice = System.Convert.ToDouble(txtPurchasePrice.Text)
        txtPurchasePrice.Text = mdblPurchasePrice.ToString("c")

        'accept the Interest rate input, send to mdblinterestrate as #.## while display full number
        mdblInterestRate = System.Convert.ToDouble(txtInterestRate.Text / 100)
        txtInterestRate.Text = mdblInterestRate * 100.ToString("##")

        'determines the downpayment
        mdblDownPaymentTotal = (mdblPurchasePrice * 0.2)
        lblDownPaymentTotal.Text = mdblDownPaymentTotal.ToString("c")

        ''determines the closing cost
        mdblClosingCostTotal = (mdblPurchasePrice * 0.025)
        lblClosingCostTotal.Text = mdblClosingCostTotal.ToString("c")

        ' determines cash to close
        mdblCashtoCloseTotal = (mdblClosingCostTotal + mdblDownPaymentTotal)
        lblCashtoCloseTotal.Text = mdblCashtoCloseTotal.ToString("c")

        'determine the  principal and interest

        mdblperiod = 360

        'mdblPrincipalInterestTotal = Financial.Pmt(0.07, 360, 1000, 0)
        mdblPrincipalInterestTotal = Financial.Pmt(mdblInterestRate, mdblperiod, mdblPurchasePrice, 0)
        mdblPrincipalInterestTotal = System.Math.Abs(mdblPrincipalInterestTotal)
        lblPrincipalInterestTotal.Text = mdblPrincipalInterestTotal.ToString("c")

        'determine property taxes
        mdblPropertytaxesTotal = ((mdblPurchasePrice * 0.025) / 12)
        lblPropertyTaxesTotal.Text = mdblPropertytaxesTotal.ToString("c")

        'determine insurance
        mdblInsuranceTotal = ((mdblPurchasePrice * 0.008) / 12)
        lblInsuranceTotal.Text = mdblInsuranceTotal.ToString("c")

        'determine monthly payment
        mdblMonthlyPaymentTotal = mdblPrincipalInterestTotal + mdblPropertytaxesTotal + mdblInsuranceTotal
        lblMonthlyPaymentTotal.Text = mdblMonthlyPaymentTotal.ToString("c")


    End Sub


    Private Sub btnExit_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnExit.Click
        'Close the Application

        Me.Close()


    End Sub

    Private Sub btnClear_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnClear.Click
        'Clears the labels and input boxes and puts focus back on purchase price box

        txtPurchasePrice.Focus()
        txtPurchasePrice.Text = ""
        txtInterestRate.Text = ""

        lblDownPaymentTotal.Text = ""
        lblClosingCostTotal.Text = ""
        lblCashtoCloseTotal.Text = ""
        lblPrincipalInterestTotal.Text = ""
        lblPropertyTaxesTotal.Text = ""
        lblInsuranceTotal.Text = ""
        lblMonthlyPaymentTotal.Text = ""

    End Sub
End Class

Public Class frmMain
    'declaring the  module-level variables
    Private msngDownPaymentTotal As Single
    Private msngClosingCostTotal As Single
    Private msngCashtoCloseTotal As Single
    Private msngPrincipalInterestTotal As Single
    Private msngPropertytaxesTotal As Single
    Private msngInsuranceTotal As Single
    Private msngMonthlyPaymentTotal As Single
    Private msngPurchasePrice As Single
    Private msnginterestrate As Single


    Private msngPrincipal As Single
    Private mshoNumberPeriod As Short

    Private Sub btnCalculate_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnCalculate.Click

        'Figures Interest Rate
        msnginterestrate = System.Convert.ToSingle(txtInterestRate.Text) / 12 / 100

        'receives input of purchase price
        msngPurchasePrice = System.Convert.ToSingle(txtPurchasePrice.Text)

        'sets the Period of loan
        mshoNumberPeriod = System.Convert.ToInt32(30 * 12)

        'figures out the Interest
        msngPrincipalInterestTotal = System.Convert.ToSingle(Pmt(msnginterestrate, mshoNumberPeriod, msngPurchasePrice))

        'Changes the final number to a positive
        msngPrincipalInterestTotal = System.Math.Abs(msngPrincipalInterestTotal)

        'Figures out the principal
        msngPrincipal = msngPurchasePrice / mshoNumberPeriod

        'display Principal and Interest
        lblPrincipalInterestTotal.Text = (msngPrincipalInterestTotal + msngPrincipal).ToString("c")



        'determines the downpayment
        msngDownPaymentTotal = (msngPurchasePrice * 0.2)
        lblDownPaymentTotal.Text = msngDownPaymentTotal.ToString("c")

        ''determines the closing cost
        msngClosingCostTotal = (msngPurchasePrice * 0.025)
        lblClosingCostTotal.Text = msngClosingCostTotal.ToString("c")

        ' determines cash to close
        msngCashtoCloseTotal = (msngClosingCostTotal + msngDownPaymentTotal)
        lblCashtoCloseTotal.Text = msngCashtoCloseTotal.ToString("c")



        'determine property taxes
        msngPropertytaxesTotal = ((msngPurchasePrice * 0.025) / 12)
        lblPropertyTaxesTotal.Text = msngPropertytaxesTotal.ToString("c")

        'determine insurance
        msngInsuranceTotal = ((msngPurchasePrice * 0.008) / 12)
        lblInsuranceTotal.Text = msngInsuranceTotal.ToString("c")

        'determine monthly payment
        'msngprincipalinterest = System.Convert.ToSingle(lblPrincipalInterestTotal.Text)
        lblMonthlyPaymentTotal.Text = (msngPrincipalInterestTotal + msngPrincipal + msngPropertytaxesTotal + msngInsuranceTotal + msnginterestrate).ToString("c")



    End Sub


    Private Sub btnExit_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnExit.Click
        'Close the Application

        Me.Close()


    End Sub

    Private Sub btnClear_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnClear.Click
        'Clears the labels and input boxes and puts focus back on purchase price box

        txtPurchasePrice.Focus()
        txtPurchasePrice.Text = ""
        txtInterestRate.Text = ""

        lblDownPaymentTotal.Text = ""
        lblClosingCostTotal.Text = ""
        lblCashtoCloseTotal.Text = ""
        lblPrincipalInterestTotal.Text = ""
        lblPropertyTaxesTotal.Text = ""
        lblInsuranceTotal.Text = ""
        lblMonthlyPaymentTotal.Text = ""

    End Sub
End Class

//  'declaring the  module-level variables
    Private msngDownPaymentTotal As Single
    Private msngClosingCostTotal As Single
    Private msngCashtoCloseTotal As Single
    Private msngPrincipalInterestTotal As Single
    Private msngPropertytaxesTotal As Single
    Private msngInsuranceTotal As Single
    Private msngMonthlyPaymentTotal As Single
    Private msngPurchasePrice As Single
    Private msnginterestrate As Single

    Private msngPrincipal As Single
    Private mshoNumberPeriod As Short

////////////////////////////////////////////
// The mortgage is calculated on the amount financed, not the purchase price
    Private amountFinanced As Single

    Private Sub btnCalculate_Click(ByVal sender As Object, ByVal e As System.EventArgs) Handles btnCalculate.Click

//     'Figures Interest Rate
        msnginterestrate = System.Convert.ToSingle(txtInterestRate.Text) / 12 / 100

//      'receives input of purchase price
        msngPurchasePrice = System.Convert.ToSingle(txtPurchasePrice.Text)

///////// moved downpayment here //////////////////////
//      'determines the downpayment
        msngDownPaymentTotal = (msngPurchasePrice * 0.2)
        lblDownPaymentTotal.Text = msngDownPaymentTotal.ToString("c")

//////////////////////////////////////////////////////
//      'adjust purchase price for downpayment
        amountFinanced = msngPurchasePrice - msngDownPaymentTotal

//      'sets the Period of loan
        mshoNumberPeriod = System.Convert.ToInt32(30 * 12)

/////////////////////////////////// uses amountFinanced
//      'figures out the Interest
        msngPrincipalInterestTotal = System.Convert.ToSingle(Pmt(msnginterestrate, mshoNumberPeriod, amountFinanced))

//      'Changes the final number to a positive
        msngPrincipalInterestTotal = System.Math.Abs(msngPrincipalInterestTotal)

/////////////////////// unused
//      'Figures out the principal
//      msngPrincipal = msngPurchasePrice / mshoNumberPeriod

//      'display Principal and Interest
//      'lblPrincipalInterestTotal.Text = (msngPrincipalInterestTotal + msngPrincipal).ToString("c")
        lblPrincipalInterestTotal.Text = msngPrincipalInterestTotal.ToString("c")

//      'determines the closing cost
        msngClosingCostTotal = (msngPurchasePrice * 0.025)
        lblClosingCostTotal.Text = msngClosingCostTotal.ToString("c")

//      ' determines cash to close
        msngCashtoCloseTotal = (msngClosingCostTotal + msngDownPaymentTotal)
        lblCashtoCloseTotal.Text = msngCashtoCloseTotal.ToString("c")

//      'determine property taxes
        msngPropertytaxesTotal = ((msngPurchasePrice * 0.025) / 12)
        lblPropertyTaxesTotal.Text = msngPropertytaxesTotal.ToString("c")

//      'determine insurance
        msngInsuranceTotal = ((msngPurchasePrice * 0.008) / 12)
        lblInsuranceTotal.Text = msngInsuranceTotal.ToString("c")

//      'determine monthly payment
//      'msngprincipalinterest = System.Convert.ToSingle(lblPrincipalInterestTotal.Text)

/////////////////// This next line is wrong - the interest rate is not part of the monthly payment
/////////////////// neither is the monthly principle
/////   lblMonthlyPaymentTotal.Text = (msngPrincipalInterestTotal + msngPrincipal + msngPropertytaxesTotal + msngInsuranceTotal + msnginterestrate).ToString("c")

     lblMonthlyPaymentTotal.Text = (msngPrincipalInterestTotal + msngPropertytaxesTotal + msngInsuranceTotal).ToString("c")

    End Sub
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