I'm not a bank finance guy, but I think I've come up with something that will
work:

A B
1 Present Value $105,000
2 Int Rate 7.25%
3 Mo. Pmt ($958.50)
4 Start Date 10/18/2005
5 No Months =nper(b2/12,b3,b1) which equals 180
months
6
7 Final Date =b4+(b6*30.4) which ends up at
10/11/2020

There may be another date/month function you can use where it adds 180 full
months (regardless of length) but I don't know about that one.

hth

"lee3152" wrote:

i am trying to use vlookup to create a formula that will tell us the exact
date a home loan will be paid on. please i am struggling big time.