realestate-mortgage
CommunityCalculate mortgage payments and affordability
Finance & Accounting#mortgage calculation#affordability analysis#DTI 28/36#PMI estimation#rent vs buy#refinance break-even
Authorzubair-trabzada
Version1.0.0
Installs0
System Documentation
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".
Dependency Matrix
Required Modules
None requiredComponents
Standard package💻 Claude Code Installation
Recommended: Let Claude install automatically. Simply copy and paste the text below to Claude Code.
Please help me install this Skill: Name: realestate-mortgage Download link: https://github.com/zubair-trabzada/ai-realestate-claude/archive/main.zip#realestate-mortgage Please download this .zip file, extract it, and install it in the .claude/skills/ directory.
Agent Skills Search Helper
Install a tiny helper to your Agent, search and equip skill from 471,000+ vetted skills library on demand.