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realestate-mortgage

Compute mortgage payments and affordability limits from loan scenario parameters.

138|59|Updated Apr 29, 2026
Search Tags:#mortgage calculation#affordability analysis#DTI 28/36#PMI estimation#rent vs buy#refinance break-even
One-click install
npx skills add https://github.com/zubair-trabzada/ai-realestate-claude --skill realestate-mortgage
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: realestate-mortgage
Source: https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage
Command: npx skills add https://github.com/zubair-trabzada/ai-realestate-claude --skill realestate-mortgage

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

It helps users quickly estimate mortgage payments, total monthly housing cost (PITI with PMI/HOA when applicable), and what they can realistically afford based on income using standardized rules.

Core Features & Use Cases

  • Mortgage payment calculation with full cost breakdown: Computes monthly Principal & Interest plus property tax, home insurance, PMI (when down payment is under 20%), HOA, and optional flood insurance.
  • Loan scenario comparison: Side-by-side comparison across 30-year fixed, 15-year fixed, ARM, FHA, VA, and investor-style options including total interest/cost and cash-to-close.
  • Affordability and rent vs buy analysis: Applies the 28/36 DTI framework to determine affordability limits and compares ongoing rental costs versus buying costs including break-even logic.
  • Refinance break-even: When refinance inputs are provided, estimates savings versus closing costs and outputs a rate-drop decision matrix.

Quick Start

Run the realestate-mortgage skill with a command like "realestate mortgage 450000 Austin TX income 120000 down 20% credit 740".

Frequently Asked Questions about realestate-mortgage

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I calculate my mortgage payment with PMI and property taxes?▼

Mortgage payment calculation requires amortization math to compute Principal & Interest, then adds property tax, home insurance, PMI for down payments under 20%, and HOA for total monthly housing cost (PITI).

How much house can I afford based on my income and credit score?▼

Affordability analysis applies the 28/36 DTI framework to your income and credit profile, calculating realistic purchase limits by screening your debt-to-income ratio against standardized lending rules.

How do I compare 30-year fixed, FHA, and VA loan scenarios side by side?▼

Loan scenario comparison evaluates 30-year fixed, 15-year fixed, ARM, FHA, and VA options side by side, outputting total interest, cash-to-close, and monthly payment differences for purchase or refinance workflows.

When does it make sense to refinance my mortgage?▼

Refinance break-even analysis estimates your monthly savings versus closing costs and outputs a rate-drop decision matrix, showing exactly when cumulative savings offset the refinance expense.

How do I run a rent vs buy comparison with location-specific costs?▼

Rent vs buy comparison calculates ongoing rental costs against buying costs using location-specific taxes and insurance, applying break-even logic to determine the financial crossover point.

What inputs do I need to estimate a mortgage payment?▼

Mortgage estimation requires up-to-date web-sourced interest rates and user-supplied property price, location, income, down payment percentage, and credit score to produce transparent, reproducible payment tables.

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