Please correct errors in Financial Profile.

'; this.navigateToTab('MaFinancialProfileTab', 'maFinancialProfileTabButton'); return; } const grossMonthlyIncome = parseFloat(this.elements.grossMonthlyIncome.value); const downPayment = parseFloat(this.elements.downPaymentAmount.value); const car = parseFloat(this.elements.monthlyCarPayment.value) || 0; const student = parseFloat(this.elements.monthlyStudentLoanPayment.value) || 0; const cc = parseFloat(this.elements.monthlyCreditCardPayment.value) || 0; const otherDebt = parseFloat(this.elements.otherMonthlyDebtPayments.value) || 0; const totalExistingMonthlyDebts = car + student + cc + otherDebt; const annualInterestRate = parseFloat(this.elements.mortgageInterestRate.value); const loanTermYears = parseInt(this.elements.mortgageTermYears.value); const loanTermMonths = loanTermYears * 12; const monthlyInterestRate = annualInterestRate / 12 / 100; const annualPropTaxRate = parseFloat(this.elements.annualPropertyTaxRate.value) / 100; const annualHomeInsRate = parseFloat(this.elements.annualHomeInsuranceRate.value) / 100; const monthlyHOA = parseFloat(this.elements.monthlyHOAFees.value) || 0; const maxFrontDTI = parseFloat(this.elements.maxFrontEndDTIPercent.value) / 100; const maxBackDTI = parseFloat(this.elements.maxBackEndDTIPercent.value) / 100; // Calculate Max Affordable PITI + HOA const maxHousingPaymentByFrontDTI = grossMonthlyIncome * maxFrontDTI; const maxHousingPaymentByBackDTI = (grossMonthlyIncome * maxBackDTI) - totalExistingMonthlyDebts; let affordableHomePrice = 0; let affordableLoanAmount = 0; let finalMonthlyPI = 0; let finalMonthlyTaxes = 0; let finalMonthlyInsurance = 0; let totalMonthlyPayment = 0; let limitingFactor = ""; if (maxHousingPaymentByBackDTI <= 0) { // Existing debts too high for any new housing debt this.elements.analysisOutput.innerHTML = `

Your existing debts are too high relative to your income to afford additional housing costs based on the DTI limits provided.

`; this.elements.pdfDownloadContainer.style.display = 'none'; this.elements.analysisTabButton.disabled = false; // Allow re-calc this.navigateToTab('MaAnalysisTab', 'maAnalysisTabButton'); this.calculatedData = { error: "Debts too high" }; // Store error state for PDF if needed return; } const maxAffordablePITI_HOA = Math.min(maxHousingPaymentByFrontDTI, maxHousingPaymentByBackDTI); limitingFactor = maxHousingPaymentByFrontDTI < maxHousingPaymentByBackDTI ? "Front-End DTI" : "Back-End DTI"; const M = maxAffordablePITI_HOA - monthlyHOA; // Max affordable PITI if (M <= 0) { // HOA alone (or with existing debts for BE DTI) makes it unaffordable this.elements.analysisOutput.innerHTML = `

The maximum affordable housing payment ($${maxAffordablePITI_HOA.toFixed(2)}) is less than or equal to the HOA fees ($${monthlyHOA.toFixed(2)}). This means no budget remains for principal, interest, taxes, and insurance based on your DTI limits.

`; this.elements.pdfDownloadContainer.style.display = 'none'; this.elements.analysisTabButton.disabled = false; this.navigateToTab('MaAnalysisTab', 'maAnalysisTabButton'); this.calculatedData = { error: "PITI budget too low" }; return; } const K_emi_factor = (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, loanTermMonths)) / (Math.pow(1 + monthlyInterestRate, loanTermMonths) - 1); const K_ti_factor = (annualPropTaxRate / 12) + (annualHomeInsRate / 12); if (isNaN(K_emi_factor) || K_emi_factor <=0) { // Should not happen with valid rate/term this.elements.analysisOutput.innerHTML = `

Could not calculate loan factor due to invalid rate/term. Please check inputs.

`; this.elements.pdfDownloadContainer.style.display = 'none'; this.navigateToTab('MaAnalysisTab', 'maAnalysisTabButton'); this.calculatedData = { error: "Invalid K_emi_factor" }; return; } // HomePrice = (M + DownPayment * K_emi_factor) / (K_emi_factor + K_ti_factor) affordableHomePrice = (M + downPayment * K_emi_factor) / (K_emi_factor + K_ti_factor); if (affordableHomePrice <= 0 || isNaN(affordableHomePrice)) { affordableHomePrice = 0; affordableLoanAmount = 0; finalMonthlyPI = 0; } else { affordableLoanAmount = affordableHomePrice - downPayment; if (affordableLoanAmount <= 0) { affordableLoanAmount = 0; // Can afford with down payment alone or less than DP finalMonthlyPI = 0; } else { finalMonthlyPI = affordableLoanAmount * K_emi_factor; } } finalMonthlyTaxes = (affordableHomePrice * annualPropTaxRate) / 12; finalMonthlyInsurance = (affordableHomePrice * annualHomeInsRate) / 12; totalMonthlyPayment = finalMonthlyPI + finalMonthlyTaxes + finalMonthlyInsurance + monthlyHOA; // Recalculate DTIs for verification const actualFrontDTI = (totalMonthlyPayment / grossMonthlyIncome) * 100; const actualBackDTI = ((totalExistingMonthlyDebts + totalMonthlyPayment) / grossMonthlyIncome) * 100; this.calculatedData = { grossMonthlyIncome, downPayment, totalExistingMonthlyDebts, annualInterestRate, loanTermYears, annualPropTaxRate, annualHomeInsRate, monthlyHOA, maxFrontDTI_input: maxFrontDTI * 100, maxBackDTI_input: maxBackDTI * 100, limitingFactor, maxAffordablePITI_HOA, affordableHomePrice, affordableLoanAmount, finalMonthlyPI, finalMonthlyTaxes, finalMonthlyInsurance, totalMonthlyPayment, actualFrontDTI, actualBackDTI, // For PDF breakdown: inputs: { grossMonthlyIncome, downPayment, monthlyCarPayment: car, monthlyStudentLoanPayment: student, monthlyCreditCardPayment: cc, otherMonthlyDebtPayments: otherDebt, mortgageInterestRate: annualInterestRate, mortgageTermYears: loanTermYears, annualPropertyTaxRate: annualPropTaxRate*100, annualHomeInsuranceRate: annualHomeInsRate*100, monthlyHOAFees: monthlyHOA, maxFrontEndDTIPercent: maxFrontDTI*100, maxBackEndDTIPercent: maxBackDTI*100 } }; const fNum = (num, dec = 2) => (typeof num !== 'number' || isNaN(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); let outputHTML = ``; if (affordableHomePrice <=0 || affordableLoanAmount < 0 && affordableHomePrice <= downPayment) { // Corrected condition for loan amount outputHTML = `

Based on your inputs, either no mortgage is needed (your down payment covers affordable home prices) or a mortgage may not be affordable under the specified DTI limits. Consider adjusting DTI limits, down payment, or reducing debts.

`; if (affordableHomePrice > 0 && affordableHomePrice <= downPayment) { outputHTML += `

You might be able to afford a home up to $${fNum(affordableHomePrice)} primarily with your down payment of $${fNum(downPayment)}.

`; } } else { outputHTML = `

Affordability Summary

Affordability primarily limited by: ${limitingFactor} (Max PITI+HOA: $${fNum(maxAffordablePITI_HOA)})

Estimated Affordable Home Price: $${fNum(affordableHomePrice)}

Estimated Affordable Mortgage Amount: $${fNum(affordableLoanAmount)}

Estimated Monthly Mortgage Payment Breakdown

Principal & Interest (P&I): $${fNum(finalMonthlyPI)}

Estimated Property Tax: $${fNum(finalMonthlyTaxes)}

Estimated Homeowner's Insurance: $${fNum(finalMonthlyInsurance)}

${monthlyHOA > 0 ? `

Monthly HOA Fees: $${fNum(monthlyHOA)}

` : ''}

Total Estimated Monthly Payment: $${fNum(totalMonthlyPayment)}

Resulting Debt-to-Income Ratios

Front-End DTI (Housing Costs / Income): ${fNum(actualFrontDTI,1)}% (Your limit: ${fNum(maxFrontDTI*100,1)}%)

Back-End DTI (Total Debts / Income): ${fNum(actualBackDTI,1)}% (Your limit: ${fNum(maxBackDTI*100,1)}%)

This is an estimate based on the information and assumptions provided. Actual affordability may vary based on lender requirements, credit score, and market conditions. Property taxes and insurance are estimates and can change.

`; } this.elements.analysisOutput.innerHTML = outputHTML; this.elements.pdfDownloadContainer.style.display = 'block'; this.elements.analysisTabButton.disabled = false; this.navigateToTab('MaAnalysisTab', 'maAnalysisTabButton'); }, downloadPdf: function() { try { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF core) is not loaded.'); console.error('window.jspdf or window.jspdf.jsPDF is not defined.'); return; } const { jsPDF: JSPDF_CONSTRUCTOR } = window.jspdf; const doc = new JSPDF_CONSTRUCTOR(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-Autotable) is not loaded.'); console.error('doc.autoTable is not a function.'); return; } if (!this.calculatedData || Object.keys(this.calculatedData).length === 0) { alert('Error: Calculation data missing.'); console.error('PDF error: this.calculatedData empty.'); return; } const data = this.calculatedData; if (data.error) { // Handle cases where affordability couldn't be calculated alert(`Cannot generate PDF: ${data.error}. Please adjust inputs and recalculate.`); return; } if (typeof data.inputs === 'undefined' || typeof data.affordableHomePrice === 'undefined') { alert('Error: Essential calculation data missing for PDF.'); console.error('PDF Error: Critical data missing.', data); return; } const primaryColor = '#2c5282'; const accentColor = '#4299e1'; const textColor = '#2d3748'; const tableHeaderColor = accentColor; const lightBgColor = '#e6fffa'; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Mortgage Affordability Analysis", 14, 22); doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Generated: ${new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' })}`, 14, 30); let currentY = 40; const fNum = (num, dec = 2) => (typeof num !== 'number' || isNaN(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); const addSectionTable = (title, sectionData) => { doc.setFontSize(13); doc.setTextColor(primaryColor); doc.setFont(undefined, 'bold'); doc.text(title, 14, currentY); currentY += 7; doc.autoTable({ body: sectionData, startY: currentY, theme: 'grid', styles: {fontSize: 9, cellPadding: 2.5, textColor: textColor, font: 'helvetica'}, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 85, fillColor: lightBgColor }, 1: { halign: 'right', cellWidth: 'auto'} } }); currentY = doc.lastAutoTable.finalY + 8; }; const inputs = data.inputs; addSectionTable("Summary of Your Inputs", [ ["Gross Monthly Income:", `$${fNum(inputs.grossMonthlyIncome)}`], ["Down Payment Amount:", `$${fNum(inputs.downPaymentAmount)}`], ["Total Existing Monthly Debts:", `$${fNum(data.totalExistingMonthlyDebts)}`], ["Expected Mortgage Rate:", `${fNum(inputs.mortgageInterestRate,2)}%`], ["Mortgage Term:", `${inputs.mortgageTermYears} Years`], ["Est. Annual Property Tax Rate:", `${fNum(inputs.annualPropertyTaxRate,2)}%`], ["Est. Annual Home Insurance Rate:", `${fNum(inputs.annualHomeInsuranceRate,2)}%`], ["Monthly HOA Fees:", `$${fNum(inputs.monthlyHOAFees)}`], ["Max Front-End DTI Target:", `${fNum(inputs.maxFrontEndDTIPercent,1)}%`], ["Max Back-End DTI Target:", `${fNum(inputs.maxBackEndDTIPercent,1)}%`] ]); if (data.affordableHomePrice <= 0 || data.affordableLoanAmount < 0 && data.affordableHomePrice <= data.downPayment) { doc.setFontSize(12); doc.setTextColor(textColor); doc.text("Based on inputs, a mortgage may not be affordable or needed.", 14, currentY); currentY +=7; if (data.affordableHomePrice > 0 && data.affordableHomePrice <= data.downPayment) { doc.text(`You might afford a home up to $${fNum(data.affordableHomePrice)} with your down payment.`, 14, currentY); } } else { addSectionTable("Affordability Estimate", [ ["Affordability Limited By:", data.limitingFactor], ["Max Affordable PITI + HOA:", `$${fNum(data.maxAffordablePITI_HOA)}`], ["Estimated Affordable Home Price:", `$${fNum(data.affordableHomePrice)}`], ["Estimated Affordable Mortgage Amount:", `$${fNum(data.affordableLoanAmount)}`] ]); addSectionTable("Estimated Monthly Payment Breakdown", [ ["Principal & Interest (P&I):", `$${fNum(data.finalMonthlyPI)}`], ["Estimated Property Tax:", `$${fNum(data.finalMonthlyTaxes)}`], ["Estimated Homeowner's Insurance:", `$${fNum(data.finalMonthlyInsurance)}`], ...(inputs.monthlyHOAFees > 0 ? [["Monthly HOA Fees:", `$${fNum(inputs.monthlyHOAFees)}`]] : []), ["Total Estimated Monthly Payment:", `$${fNum(data.totalMonthlyPayment)}`] ]); addSectionTable("Resulting Debt-to-Income Ratios", [ ["Calculated Front-End DTI:", `${fNum(data.actualFrontDTI,1)}% (Limit: ${fNum(inputs.maxFrontEndDTIPercent,1)}%)`], ["Calculated Back-End DTI:", `${fNum(data.actualBackDTI,1)}% (Limit: ${fNum(inputs.maxBackEndDTIPercent,1)}%)`] ]); } doc.setFontSize(9); doc.setTextColor('#4a5568'); // Medium gray for final note const finalNote = "This is an estimate based on the information and assumptions provided. Actual affordability may vary based on lender requirements, credit score, market conditions, and other factors. Property taxes and insurance are estimates and can change. This tool does not constitute financial advice."; const splitFinalNote = doc.splitTextToSize(finalNote, 180); let finalNoteY = currentY; if (finalNoteY > doc.internal.pageSize.height - 30) { finalNoteY = doc.internal.pageSize.height - 25; if (doc.lastAutoTable.finalY > finalNoteY - (splitFinalNote.length * (doc.getLineHeight() / doc.internal.scaleFactor) * 1.15) ) { // More accurate height check doc.addPage(); finalNoteY = 20; } } doc.text(splitFinalNote, 14, finalNoteY); doc.save("Mortgage_Affordability_Analysis.pdf"); } catch (error) { console.error("PDF Generation Error:", error); alert("An error occurred while generating the PDF: " + error.message + "\nPlease check the console for more details (F12)."); } } }; document.addEventListener('DOMContentLoaded', function() { maApp.init(); });