Loan-to-Value (LTV) Ratio: ${ltv.toFixed(1)}%

---

No mortgage loan needed, so no PMI is applicable.

`; this.calculatedData = { homePrice, downPaymentAmount, loanAmount, ltv, pmiRequired: false }; this.elements.pdfDownloadContainer.style.display = 'block'; this.navigateToNextTab(); return; } monthlyPIPayment = this._calculateEMI(loanAmount, mortgageAnnualRate, loanTermMonths); if (pmiRequired) { let currentBalance = loanAmount; const targetLTV80Balance = homePrice * 0.80; const targetLTV78Balance = homePrice * 0.78; for (let m = 1; m <= loanTermMonths; m++) { const interestForMonth = currentBalance * (mortgageAnnualRate / 12 / 100); const principalPaidForMonth = monthlyPIPayment - interestForMonth; currentBalance -= principalPaidForMonth; if (monthsTo80LTV === 0 && currentBalance <= targetLTV80Balance) { monthsTo80LTV = m; } if (currentBalance <= targetLTV78Balance) { monthsTo78LTV = m; totalPMIPaidAt78 = monthlyPMIPayment * m; break; // Stop simulation once 78% LTV is reached } // Safety break if something goes wrong, or loan ends before 78% LTV (e.g. large extra payments - not modeled here) if (m === loanTermMonths && monthsTo78LTV === 0) { monthsTo78LTV = m; // PMI paid for full term if 78% not reached totalPMIPaidAt78 = monthlyPMIPayment * m; } } } this.calculatedData = { homePrice, downPaymentAmount, downPaymentPercent, loanAmount, ltv, pmiRequired, mortgageAnnualRate, loanTermYears, annualPMIRatePercent, monthlyPIPayment, monthlyPMIPayment, annualPMICost, monthsTo80LTV, monthsTo78LTV, totalPMIPaidAt78 }; const fNum = (num, dec = 2) => (typeof num !== 'number' || isNaN(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); const fTerm = (mths) => (typeof mths !== 'number' || isNaN(mths) || mths <= 0) ? 'N/A' : `${Math.floor(mths/12)} years, ${mths % 12} months (${mths} months total)`; let outputHTML = `

Loan & LTV Summary

Home Purchase Price: $${fNum(homePrice)}

Down Payment: $${fNum(downPaymentAmount)} (${fNum(downPaymentPercent,1)}%)

Loan Amount: $${fNum(loanAmount)}

Loan-to-Value (LTV) Ratio: ${fNum(ltv,1)}%

PMI Likely Required: ${pmiRequired ? 'Yes' : 'No (LTV is 80% or less)'}

`; if (pmiRequired) { outputHTML += `

PMI Cost Estimation

Estimated Monthly PMI Payment: $${fNum(monthlyPMIPayment)}

Estimated Annual PMI Cost: $${fNum(annualPMICost)}

Your Estimated Monthly P&I Payment (Loan): $${fNum(monthlyPIPayment)}

Total Estimated Monthly Payment (P&I + PMI): $${fNum(monthlyPIPayment + monthlyPMIPayment)}

Estimated PMI Removal

Est. time to reach 80% LTV (request cancellation): ${fTerm(monthsTo80LTV)}

Est. time to reach 78% LTV (automatic termination): ${fTerm(monthsTo78LTV)}

Estimated Total PMI Paid until 78% LTV: $${fNum(totalPMIPaidAt78)}

PMI removal estimates are based on making regular payments on the original loan amortization schedule. Actual removal depends on lender policies, payment history, and maintaining property value. Early removal requests may require an appraisal.

`; } else if (loanAmount > 0) { // Loan exists, but no PMI outputHTML += `

PMI Cost Estimation

Your LTV is ${fNum(ltv,1)}%, which is typically low enough to avoid PMI on a conventional loan.

Your Estimated Monthly P&I Payment (Loan): $${fNum(monthlyPIPayment)}

`; } this.elements.analysisOutput.innerHTML = outputHTML; this.elements.pdfDownloadContainer.style.display = 'block'; this.elements.analysisTabButton.disabled = false; this.navigateToNextTab(); }, 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; // No specific 'error' field for this one yet, but check for essential data. if (typeof data.homePrice === 'undefined' || typeof data.ltv === 'undefined') { alert('Error: Essential calculation data missing for PDF.'); console.error('PDF Error: Critical data missing for PMI calc.', data); return; } const primaryColor = '#0056b3'; const accentColor = '#007bff'; const textColor = '#343a40'; const tableHeaderColor = accentColor; const lightBgColor = '#e6f7ff'; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Mortgage Insurance (PMI) Analysis", 14, 22); doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Generated: ${new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' })}`, 14, 30); let currentY = 40; const fNum = (num, dec = 2) => (typeof num !== 'number' || isNaN(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); const fTerm = (mths) => (typeof mths !== 'number' || isNaN(mths) || mths <= 0) ? 'N/A' : `${Math.floor(mths/12)} years, ${mths % 12} months (${mths} months total)`; const addSectionTable = (title, sectionData, addExtraSpaceAfter = false) => { 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 + (addExtraSpaceAfter ? 12 : 8); }; addSectionTable("Loan & LTV Summary", [ ["Home Purchase Price:", `$${fNum(data.homePrice)}`], ["Down Payment:", `$${fNum(data.downPaymentAmount)} (${fNum(data.downPaymentPercent,1)}%)`], ["Loan Amount:", `$${fNum(data.loanAmount)}`], ["Loan-to-Value (LTV) Ratio:", `${fNum(data.ltv,1)}%`], ["PMI Likely Required:", data.pmiRequired ? 'Yes' : 'No'] ]); if (data.loanAmount <= 0) { doc.setFontSize(10); doc.setTextColor(textColor); doc.text("No mortgage loan needed, so no PMI is applicable.", 14, currentY); currentY += 10; } else if (data.pmiRequired) { addSectionTable("PMI Cost Estimation", [ [`Estimated Annual PMI Rate:`, `${fNum(data.annualPMIRatePercent,2)}%`], ["Estimated Monthly PMI Payment:", `$${fNum(data.monthlyPMIPayment)}`], ["Estimated Annual PMI Cost:", `$${fNum(data.annualPMICost)}`], ["Estimated Monthly P&I (Loan):", `$${fNum(data.monthlyPIPayment)}`], ["Total Est. Monthly (P&I + PMI):", `$${fNum(data.monthlyPIPayment + data.monthlyPMIPayment)}`] ]); addSectionTable("Estimated PMI Removal Timeline", [ ["Est. Time to 80% LTV (Request Cancel):", fTerm(data.monthsTo80LTV)], ["Est. Time to 78% LTV (Auto Terminate):", fTerm(data.monthsTo78LTV)], ["Est. Total PMI Paid until 78% LTV:", `$${fNum(data.totalPMIPaidAt78)}`] ]); } else { doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`LTV is ${fNum(data.ltv,1)}%. PMI is typically not required.`, 14, currentY); currentY += 7; doc.text(`Your Estimated Monthly P&I Payment (Loan): $${fNum(data.monthlyPIPayment)}`, 14, currentY); currentY += 10; } doc.setFontSize(9); doc.setTextColor('#6c757d'); // Medium gray for final note const finalNote = "Estimates are based on inputs and standard amortization. Actual PMI rates, costs, and removal timelines can vary based on lender, credit score, and market conditions. 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) ) { doc.addPage(); finalNoteY = 20; } } doc.text(splitFinalNote, 14, finalNoteY); doc.save("Mortgage_Insurance_PMI_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() { pmiApp.init(); });