`;
// --- LONG-TERM COST DISPLAY ---
longTermDiv.innerHTML = `
Total Cost of HOA Fees Over Time
$${(results.hoaFee * 12 * 5).toLocaleString()}
In 5 Years
$${(results.hoaFee * 12 * 10).toLocaleString()}
In 10 Years
$${(results.hoaFee * 12 * 30).toLocaleString()}
In 30 Years
`;
renderChart(results);
resultsArea.style.display = 'block';
}
function calculateImpact() {
const getValue = id => parseFloat(document.getElementById(id)?.value) || 0;
const price = getValue('propertyPrice');
const downPaymentPercent = getValue('downPayment') / 100;
const interestRate = getValue('interestRate') / 100;
const termYears = getValue('loanTerm');
const annualTax = getValue('propertyTax');
const annualInsurance = getValue('homeInsurance');
const hoaFee = getValue('hoaFee');
if (price <= 0 || interestRate <= 0 || termYears <= 0) {
alert("Please enter valid property price, interest rate, and loan term.");
return null;
}
const downPayment = price * downPaymentPercent;
const loanAmount = price - downPayment;
const monthlyRate = interestRate / 12;
const numPayments = termYears * 12;
const monthlyPI = loanAmount > 0 ? loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) - 1) : 0;
const monthlyTax = annualTax / 12;
const monthlyInsurance = annualInsurance / 12;
const monthlyPaymentWithoutHOA = monthlyPI + monthlyTax + monthlyInsurance;
const monthlyPaymentWithHOA = monthlyPaymentWithoutHOA + hoaFee;
// Calculate purchasing power loss
// How much loan can the HOA fee support?
const supportedLoan = hoaFee * ((Math.pow(1 + monthlyRate, numPayments) - 1) / (monthlyRate * Math.pow(1 + monthlyRate, numPayments)));
return {
monthlyPI,
monthlyTax,
monthlyInsurance,
hoaFee,
monthlyPaymentWithoutHOA,
monthlyPaymentWithHOA,
purchasingPowerLoss: supportedLoan
};
}
function renderChart(results) {
const ctx = document.getElementById('impactChart');
if (!ctx) return;
if (impactChartInstance) {
impactChartInstance.destroy();
}
impactChartInstance = new Chart(ctx, {
type: 'bar',
data: {
labels: ['Payment w/o HOA', 'Payment w/ HOA'],
datasets: [
{
label: 'Principal & Interest',
data: [results.monthlyPI, results.monthlyPI],
backgroundColor: 'rgba(59, 130, 246, 0.7)',
},
{
label: 'Taxes & Insurance',
data: [results.monthlyTax + results.monthlyInsurance, results.monthlyTax + results.monthlyInsurance],
backgroundColor: 'rgba(239, 68, 68, 0.7)',
},
{
label: 'HOA Fee',
data: [0, results.hoaFee],
backgroundColor: 'rgba(22, 163, 74, 0.7)',
}
]
},
options: {
responsive: true,
plugins: {
title: {
display: true,
text: 'Breakdown of Monthly Housing Costs'
},
},
scales: {
x: {
stacked: true,
},
y: {
stacked: true,
beginAtZero: true,
title: {
display: true,
text: 'Monthly Cost ($)'
}
}
}
}
});
}
function downloadPDF() {
const { jsPDF } = window.jspdf;
const pdfContent = document.getElementById('pdf-output');
const pdfTitle = document.getElementById('pdf-title');
if (!pdfContent || !pdfTitle) return;
pdfTitle.style.display = 'block';
html2canvas(pdfContent, { scale: 2 }).then(canvas => {
pdfTitle.style.display = 'none';
const imgData = canvas.toDataURL('image/png');
const pdf = new jsPDF({
orientation: 'p',
unit: 'mm',
format: 'a4'
});
const pdfWidth = pdf.internal.pageSize.getWidth();
const imgProps = pdf.getImageProperties(imgData);
const imgWidth = pdfWidth - 20;
const imgHeight = (imgProps.height * imgWidth) / imgProps.width;
pdf.addImage(imgData, 'PNG', 10, 10, imgWidth, imgHeight);
pdf.save('HOA-Fee-Impact-Analysis.pdf');
});
}
});
