Reverse Mortgage vs. HELOC Comparison Tool

Reverse Mortgage vs. HELOC Comparison Tool

Loan & Property Details

Financial Comparison

Customize Financial Assumptions

AssumptionValue (%)

Monthly Payment: $${heloc.monthlyPayment.toFixed(2)}

Total Cost (10 yrs): $${heloc.totalCost.toLocaleString('en-US', {maximumFractionDigits: 0})}

Remaining Equity (10 yrs): $${heloc.remainingEquity.toLocaleString('en-US', {maximumFractionDigits: 0})}

`; } function updateChart(hecm, heloc) { const ctx = document.getElementById('comparisonChart').getContext('2d'); if (comparisonChart) { comparisonChart.destroy(); } comparisonChart = new Chart(ctx, { type: 'bar', data: { labels: ['Total Cost (10 Yrs)', 'Remaining Equity (10 Yrs)'], datasets: [ { label: 'Reverse Mortgage', data: [hecm.totalCost, hecm.remainingEquity], backgroundColor: 'rgba(103, 58, 183, 0.7)', }, { label: 'HELOC', data: [heloc.totalCost, heloc.remainingEquity], backgroundColor: 'rgba(0, 150, 136, 0.7)', } ] }, options: { scales: { y: { beginAtZero: true } }, plugins: { legend: { position: 'top' } } } }); } function renderConfig() { configTbody.innerHTML = ` Reverse Mortgage Interest Rate HELOC Interest Rate Annual Home Appreciation Rate Upfront Costs / Closing Costs `; } window.updateConfig = function(element) { const { prop } = element.dataset; const value = parseFloat(element.value); if (isNaN(value)) return; configData[prop] = value; compare(); } // --- TAB & NAVIGATION --- window.openTab = function(evt, tabName) { const tabContents = document.getElementsByClassName("tab-content"); Array.from(tabContents).forEach(tab => tab.style.display = "none"); const tabButtons = document.getElementsByClassName("tab-btn"); Array.from(tabButtons).forEach(btn => btn.classList.remove("active")); document.getElementById(tabName).style.display = "block"; if (evt) { evt.currentTarget.classList.add("active"); } else { const btnToActivate = Array.from(tabButtons).find(btn => btn.getAttribute('onclick').includes(`'${tabName}'`)); if (btnToActivate) btnToActivate.classList.add("active"); } updateNavButtons(); } window.navigateTabs = function(direction) { const tabs = Array.from(document.querySelectorAll('.tab-btn')); const activeTabIndex = tabs.findIndex(tab => tab.classList.contains('active')); let newIndex = (direction === 'next') ? (activeTabIndex + 1) % tabs.length : (activeTabIndex - 1 + tabs.length) % tabs.length; tabs[newIndex].click(); } function updateNavButtons() { const tabs = Array.from(document.querySelectorAll('.tab-btn')); const activeTabIndex = tabs.findIndex(tab => tab.classList.contains('active')); document.getElementById('prev-btn').style.visibility = activeTabIndex === 0 ? 'hidden' : 'visible'; document.getElementById('next-btn').style.visibility = activeTabIndex === tabs.length - 1 ? 'hidden' : 'visible'; } // --- PDF DOWNLOAD --- if(downloadPdfBtn) { downloadPdfBtn.addEventListener('click', function() { const { jsPDF } = window.jspdf; const contentToDownload = document.getElementById('results-to-download'); if (!contentToDownload || resultsContent.children.length === 0) { console.warn("Please generate a comparison before downloading."); return; } const originalButtonText = downloadPdfBtn.innerHTML; downloadPdfBtn.innerHTML = 'Generating...'; downloadPdfBtn.disabled = true; html2canvas(contentToDownload, { scale: 2, useCORS: true }).then(canvas => { 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 imgHeight = (imgProps.height * pdfWidth) / imgProps.width; pdf.addImage(imgData, 'PNG', 10, 10, pdfWidth - 20, imgHeight > 0 ? imgHeight - 20 : 0); pdf.save('Loan-Comparison.pdf'); }).catch(err => { console.error("Error generating PDF:", err); }).finally(() => { downloadPdfBtn.innerHTML = originalButtonText; downloadPdfBtn.disabled = false; }); }); } // --- INITIALIZATION --- function initializeTool() { compare(); renderConfig(); updateNavButtons(); } initializeTool(); });
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