Change in Ongoing Monthly Housing Expenses: $${Math.abs(calcs.comparison.monthlyExpenseChange || 0).toFixed(2)} / month ${calcs.comparison.monthlyExpenseChange >= 0 ? 'Savings' : 'Increase'}

`; if(isFinite(calcs.comparison.breakEvenMonths) && calcs.comparison.breakEvenMonths >= 0 && calcs.comparison.monthlyExpenseChange > 0){ if (calcs.comparison.netCashChange < 0) { // If there was an upfront cost summaryHTML += `

Months to Recoup Net Upfront Costs (via monthly savings): ${calcs.comparison.breakEvenMonths} months

`; } else { // No upfront cost, savings start immediately summaryHTML += `

Monthly savings begin immediately as this move also freed up cash upfront.

`; } } container.innerHTML = summaryHTML; document.getElementById('downloadHousingChangePdfButton').disabled = false; } // --- PDF Generation --- function downloadHCAPdf() { if (!hcaReportData.calcs.comparison.hasOwnProperty('netCashChange')) { alert("Please complete the analysis first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const jsPDFConstructor = window.jspdf.jsPDF; const doc = new jsPDFConstructor(); if (typeof doc.autoTable !== 'function') { alert('jsPDF AutoTable plugin not loaded.'); return; } const { inputs, calcs, budgetImpact, amortization } = hcaReportData; const primaryColor = '#007bff', textColor = '#212529', tableHeaderColor = '#e9ecef'; let yPos = 22; const pageHeight = doc.internal.pageSize.height; const margin = 20; function checkYPdf(increment = 10) { if (yPos + increment > pageHeight - margin) { doc.addPage(); yPos = margin; } } doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Downsizing/Upsizing Housing Expense Analysis", 14, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Date: ${new Date().toLocaleDateString()}`, 14, yPos); yPos += 10; // Current Home checkYPdf(30); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Current Housing Summary", 14, yPos); yPos += 6; let currentBody = [ ['Est. Market Value:', `$${(inputs.current.homeValue || 0).toFixed(2)}`], ['Remaining Mortgage:', `$${(inputs.current.mortgageBalance || 0).toFixed(2)}`], ['Monthly P&I:', `$${(inputs.current.pi || 0).toFixed(2)}`], ['Monthly Taxes:', `$${(inputs.current.tax || 0).toFixed(2)}`], ['Monthly Insurance:', `$${(inputs.current.insurance || 0).toFixed(2)}`], ['Monthly HOA:', `$${(inputs.current.hoa || 0).toFixed(2)}`], ['Monthly Utilities:', `$${(inputs.current.utilities || 0).toFixed(2)}`], ['Monthly Maintenance:', `$${(inputs.current.maintenance || 0).toFixed(2)}`], [{content: 'Total Monthly Expenses:', styles:{fontStyle:'bold'}}, `$${(calcs.current.totalMonthlyExpenses || 0).toFixed(2)}`], ['--- Selling Costs ---',''], ['Realtor Commission:', `$${(inputs.current.homeValue * (inputs.sellingCosts.realtorCommissionPercent/100) || 0).toFixed(2)} (${inputs.sellingCosts.realtorCommissionPercent}%)`], ['Other Seller Costs:', `$${(inputs.sellingCosts.otherSellerCosts || 0).toFixed(2)}`], ['Pre-Sale Repairs/Staging:', `$${(inputs.sellingCosts.presaleRepairs || 0).toFixed(2)}`], [{content: 'Total Selling Costs:', styles:{fontStyle:'bold'}}, `$${(calcs.current.totalSellingCosts || 0).toFixed(2)}`], [{content: 'Net Cash From Sale (Est.):', styles:{fontStyle:'bold'}}, `$${(calcs.current.netCashFromSale || 0).toFixed(2)}`] ]; doc.autoTable({startY: yPos, body: currentBody, theme:'plain', styles:{fontSize:9, cellPadding:1.2}, columnStyles:{0:{fontStyle:'bold'}}}); yPos = doc.lastAutoTable.finalY + 7; // New Home checkYPdf(40); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("New Housing Summary", 14, yPos); yPos += 6; let newBody = [ ['Move Type:', getHCAStr('moveTypeHCA')], ['Purchase Price:', `$${(inputs.new.price || 0).toFixed(2)}`], ['Down Payment:', `$${(inputs.new.downPayment || 0).toFixed(2)}`], ['New Loan Amount:', `$${(calcs.new.loanAmount || 0).toFixed(2)}`], ['New Interest Rate:', `${(inputs.new.rate || 0).toFixed(3)}%`], ['New Loan Term:', `${inputs.new.term || 0} years`], ['New Monthly P&I:', `$${(calcs.new.monthlyPI || 0).toFixed(2)}`], ['Est. Monthly Taxes:', `$${(inputs.new.tax || 0).toFixed(2)}`], ['Est. Monthly Insurance:', `$${(inputs.new.insurance || 0).toFixed(2)}`], ['Est. Monthly HOA:', `$${(inputs.new.hoa || 0).toFixed(2)}`], ['Est. Monthly Utilities:', `$${(inputs.new.utilities || 0).toFixed(2)}`], ['Est. Monthly Maintenance:', `$${(inputs.new.maintenance || 0).toFixed(2)}`], [{content: 'Total Est. New Monthly Expenses:', styles:{fontStyle:'bold'}}, `$${(calcs.new.totalMonthlyExpenses || 0).toFixed(2)}`], ['--- Buying & Moving Costs ---',''], ['Buyer Closing Costs:', `$${(inputs.buyingMovingCosts.buyerClosingCosts || 0).toFixed(2)}`], ['Moving Expenses:', `$${(inputs.buyingMovingCosts.movingExpenses || 0).toFixed(2)}`], ['Immediate Furnishing/Repairs:', `$${(inputs.buyingMovingCosts.newHomeImmediateCosts || 0).toFixed(2)}`] ]; doc.autoTable({startY: yPos, body: newBody, theme:'plain', styles:{fontSize:9, cellPadding:1.2}, columnStyles:{0:{fontStyle:'bold'}}}); yPos = doc.lastAutoTable.finalY + 10; // Financial Impact Summary checkYPdf(30); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Financial Impact Summary", 14, yPos); yPos += 6; const comparisonPdfBody = [ ['Total One-Time Costs (Selling + Buying/Moving):', `$${(calcs.comparison.totalOneTimeOverall || 0).toFixed(2)}`], ['Net Immediate Cash Change:', `$${Math.abs(calcs.comparison.netCashChange || 0).toFixed(2)} ${calcs.comparison.netCashChange >= 0 ? 'Freed Up' : 'Required'}`], ['Change in Monthly Housing Expenses:', `$${Math.abs(calcs.comparison.monthlyExpenseChange || 0).toFixed(2)} / month ${calcs.comparison.monthlyExpenseChange >= 0 ? 'Savings' : 'Increase'}`], ]; if (isFinite(calcs.comparison.breakEvenMonths) && calcs.comparison.breakEvenMonths >= 0 && calcs.comparison.monthlyExpenseChange > 0) { if (calcs.comparison.netCashChange < 0) { comparisonPdfBody.push(['Break-Even for Net Upfront Costs:', `${calcs.comparison.breakEvenMonths} months`]); } else { comparisonPdfBody.push(['Break-Even for Net Upfront Costs:', `Immediate (Cash freed up)`]); } } doc.autoTable({startY: yPos, body: comparisonPdfBody, theme:'plain', styles:{fontSize:9, cellPadding:1.2}, columnStyles:{0:{fontStyle:'bold'}}}); yPos = doc.lastAutoTable.finalY + 7; // Budget Impact if(budgetImpact && budgetImpact.gmi > 0){ checkYPdf(30); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Budget Impact Analysis (DTI)", 14, yPos); yPos +=6; const budgetPdfBody = [ ['Gross Monthly Income:', `$${budgetImpact.gmi.toFixed(2)}`], ['Other Monthly Debts:', `$${budgetImpact.otherDebts.toFixed(2)}`], ['Current Front-End DTI:', `${budgetImpact.currentFrontDTI.toFixed(1)}%`], ['New Front-End DTI:', `${budgetImpact.newFrontDTI.toFixed(1)}%`], ['Current Back-End DTI:', `${budgetImpact.currentBackDTI.toFixed(1)}%`], ['New Back-End DTI:', `${budgetImpact.newBackDTI.toFixed(1)}%`] ]; doc.autoTable({startY: yPos, body: budgetPdfBody, theme:'plain', styles:{fontSize:9, cellPadding:1.2}, columnStyles:{0:{fontStyle:'bold'}}}); yPos = doc.lastAutoTable.finalY + 10; } // Important Considerations checkYPdf(50); doc.setFontSize(11); doc.setTextColor(primaryColor); doc.text("Important Considerations", 14, yPos); yPos += 6; doc.setFontSize(8.5); doc.setTextColor(textColor); const considerationsText = [ "This analysis is based on your estimates. Actual market values, interest rates, transaction costs, and ongoing expenses can vary significantly.", "Moving involves substantial non-financial factors such as lifestyle changes, neighborhood amenities, school districts, commute times, suitability of space, and emotional impact. These should be carefully weighed alongside this financial analysis.", "Future changes in property taxes, insurance rates, utility costs, and unexpected maintenance needs are not projected here and can affect long-term housing costs.", "It is highly recommended to consult with qualified professionals: a real estate agent for market insights, a mortgage advisor for loan options, and a financial planner for comprehensive financial strategy before making any significant housing decisions.", "This tool is for informational and planning purposes only and does not constitute financial or real estate advice." ]; considerationsText.forEach(line => { const splitLine = doc.splitTextToSize(line, 180); // Max width for text splitLine.forEach(l => { checkYPdf(4); doc.text(l, 14, yPos); yPos += 4; }); yPos += 1; // Small gap between bullet points }); doc.save("Housing_Change_Analysis.pdf"); } // Initial calls updateHCANavButtons();