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Negative proceeds indicate a cash shortfall.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"homeValue":{"type":"number","minimum":0,"maximum":1000000000,"description":"Home value assumption","default":600000},"currentBalance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Existing debt to repay","default":300000},"targetLtv":{"type":"number","minimum":1,"maximum":100,"description":"Target combined loan-to-value %","default":75},"closingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Closing costs paid from proceeds","default":8000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30}},"required":["homeValue","currentBalance","targetLtv","closingCosts","rate","years"],"additionalProperties":false}},{"id":"recast","title":"Mortgage recast scenario","category":"Home equity","description":"Compare payment reduction when a lump sum is followed by re-amortization at the same rate.","fields":[{"key":"balance","label":"Current balance","type":"number","default":360000,"minimum":0,"maximum":1000000000,"description":""},{"key":"rate","label":"Annual interest rate","type":"number","default":6.5,"minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote."},{"key":"remainingMonths","label":"Remaining months","type":"integer","default":300,"minimum":1,"maximum":600,"description":""},{"key":"lumpSum","label":"Principal lump sum","type":"number","default":50000,"minimum":0,"maximum":1000000000,"description":""},{"key":"fee","label":"Recast fee","type":"number","default":300,"minimum":0,"maximum":1000000000,"description":""}],"display":[["newPayment","Modeled post-recast P&I","money"],["monthlyReduction","Monthly P&I reduction","money"],["newBalance","New principal balance","money"],["cashRequired","Lump sum plus fee","money"]],"method":"Re-amortize the reduced balance at the same rate over the remaining term.","limitations":"Recasting is subject to lender/product rules; making an extra payment alone does not establish a recast or lower the required payment.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"balance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Current balance","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"remainingMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Remaining months","default":300},"lumpSum":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal lump sum","default":50000},"fee":{"type":"number","minimum":0,"maximum":1000000000,"description":"Recast fee","default":300}},"required":["balance","rate","remainingMonths","lumpSum","fee"],"additionalProperties":false}},{"id":"buydown","title":"Temporary buydown funding","category":"Home purchase","description":"Separate temporary borrower payment relief from the full note payment.","fields":[{"key":"principal","label":"Mortgage principal","type":"number","default":360000,"minimum":0,"maximum":1000000000,"description":""},{"key":"noteRate","label":"Full note rate","type":"number","default":6.5,"minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote."},{"key":"years","label":"Amortization years","type":"integer","default":30,"minimum":1,"maximum":50,"description":""},{"key":"firstYearReduction","label":"First-year rate reduction / points","type":"number","default":2,"minimum":0,"maximum":10,"description":""},{"key":"secondYearReduction","label":"Second-year rate reduction / points","type":"number","default":1,"minimum":0,"maximum":10,"description":""}],"display":[["year1BorrowerPayment","Year1 borrower P&I portion","money"],["year2BorrowerPayment","Year2 borrower P&I portion","money"],["notePayment","Full note payment","money"],["totalSubsidyFund","Two-year modeled subsidy fund","money"]],"method":"Underlying note payment remains fixed. 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No taxes/insurance, early-exit refunds or fee treatment.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Mortgage principal","default":360000},"noteRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"firstYearReduction":{"type":"number","minimum":0,"maximum":10,"description":"First-year rate reduction / points","default":2},"secondYearReduction":{"type":"number","minimum":0,"maximum":10,"description":"Second-year rate reduction / points","default":1}},"required":["principal","noteRate","years","firstYearReduction","secondYearReduction"],"additionalProperties":false}},{"id":"loan-to-value","title":"Loan-to-value & equity","category":"Home equity","description":"Keep primary and subordinate balances visible in the same equity calculation.","fields":[{"key":"homeValue","label":"Home value","type":"number","default":600000,"minimum":0.01,"maximum":1000000000,"description":""},{"key":"firstLoan","label":"First loan balance","type":"number","default":360000,"minimum":0,"maximum":1000000000,"description":""},{"key":"otherLoans","label":"Other property-secured balances","type":"number","default":50000,"minimum":0,"maximum":1000000000,"description":""}],"display":[["ltv","First-loan LTV","percent"],["combinedLtv","Combined LTV","percent"],["grossEquity","Gross equity before selling costs","money"]],"method":"Divide secured balances by entered home value.","limitations":"No appraisal or lender-approved value. This is gross equity before sale, payoff and discharge charges.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"homeValue":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Home value","default":600000},"firstLoan":{"type":"number","minimum":0,"maximum":1000000000,"description":"First loan balance","default":360000},"otherLoans":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other property-secured balances","default":50000}},"required":["homeValue","firstLoan","otherLoans"],"additionalProperties":false}},{"id":"debt-to-income","title":"Debt-to-income budget","category":"Home purchase","description":"See housing and total scheduled debt as shares of gross monthly income.","fields":[{"key":"annualIncome","label":"Annual gross income","type":"number","default":120000,"minimum":0.01,"maximum":1000000000,"description":""},{"key":"monthlyHousing","label":"Monthly housing obligation","type":"number","default":3000,"minimum":0,"maximum":1000000000,"description":""},{"key":"monthlyOtherDebt","label":"Other monthly debt","type":"number","default":500,"minimum":0,"maximum":1000000000,"description":""}],"display":[["housingRatio","Housing / gross income","percent"],["totalRatio","Total debt / gross income","percent"],["grossAfterDebt","Gross monthly income after entered debt","money"]],"method":"Monthly housing and total debt divided by gross monthly income.","limitations":"Not take-home disposable income or a qualification decision. Living expenses, taxes and lender-specific income/debt treatment differ.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"annualIncome":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Annual gross income","default":120000},"monthlyHousing":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly housing obligation","default":3000},"monthlyOtherDebt":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other monthly debt","default":500}},"required":["annualIncome","monthlyHousing","monthlyOtherDebt"],"additionalProperties":false}},{"id":"down-payment-savings","title":"Down-payment savings path","category":"Planning","description":"Model contributions and an explicit growth assumption against a cash target.","fields":[{"key":"target","label":"Savings target","type":"number","default":90000,"minimum":0,"maximum":1000000000,"description":""},{"key":"startingBalance","label":"Starting savings","type":"number","default":20000,"minimum":0,"maximum":1000000000,"description":""},{"key":"monthlyContribution","label":"Contribution at each month end","type":"number","default":1000,"minimum":0,"maximum":1000000000,"description":""},{"key":"annualReturn","label":"Annual effective return assumption %","type":"number","default":3,"minimum":-50,"maximum":30,"description":""},{"key":"months","label":"Savings horizon / months","type":"integer","default":60,"minimum":1,"maximum":600,"description":""}],"display":[["endingBalance","Modeled ending savings","money"],["requiredMonthlyContribution","Monthly contribution to reach target","money"],["targetShortfall","Target shortfall","money"],["growth","Modeled investment growth","money"]],"method":"Compound at the monthly equivalent of the entered effective annual return and add each contribution at month end.","limitations":"Return is an assumption, not a promised bank yield. No taxes, changing contributions, market volatility or inflation in the target.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"target":{"type":"number","minimum":0,"maximum":1000000000,"description":"Savings target","default":90000},"startingBalance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting savings","default":20000},"monthlyContribution":{"type":"number","minimum":0,"maximum":1000000000,"description":"Contribution at each month end","default":1000},"annualReturn":{"type":"number","minimum":-50,"maximum":30,"description":"Annual effective return assumption %","default":3},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Savings horizon / months","default":60}},"required":["target","startingBalance","monthlyContribution","annualReturn","months"],"additionalProperties":false}},{"id":"debt-payoff","title":"Debt-payoff timeline","category":"Planning","description":"Calculate the payoff path for a fixed balance, rate and monthly payment.","fields":[{"key":"balance","label":"Debt balance","type":"number","default":25000,"minimum":0,"maximum":1000000000,"description":""},{"key":"rate","label":"Annual interest rate","type":"number","default":12,"minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote."},{"key":"monthlyPayment","label":"Monthly payment","type":"number","default":700,"minimum":0,"maximum":1000000000,"description":""}],"display":[["months","Modeled months / up to600","number"],["totalInterest","Interest during modeled period","money"],["remainingBalance","Balance after modeled period","money"]],"method":"Charge interest monthly, then repay principal with the remaining payment; cap the final principal payment.","limitations":"Payment must exceed initial interest. 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assumed.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"termMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Loan maturity / months","default":60}},"required":["principal","rate","months","termMonths"],"additionalProperties":false}},{"id":"equipment-loan","title":"Equipment finance & residual","category":"Business & other","description":"Show level payments and a separately disclosed residual balance.","fields":[{"key":"principal","label":"Financed equipment 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not APR or a lender quote."},{"key":"months","label":"Monthly payments","type":"integer","default":60,"minimum":1,"maximum":600,"description":""}],"display":[["scheduledPayment","Scheduled principal & interest","money"],["totalInterest","Modeled interest","money"],["monthsPaid","Payments made","number"],["remainingBalance","Remaining / balloon balance","money"],["salesTax","Entered sales tax","money"],["tradeEquity","Trade equity / negative equity","money"]],"method":"Price plus tax on the independently entered taxable amount and fees, less cash/trade value, plus trade payoff.","limitations":"State trade-in tax treatment is not inferred; enter the correct taxable amount. No loan fees embedded in APR, insurance or depreciation.","sources":["https://www.consumerfinance.gov/owning-a-home/loan-estimate/"],"inputSchema":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Vehicle price","default":35000},"taxableAmount":{"type":"number","minimum":0,"maximum":1000000000,"description":"Amount subject to sales tax","default":35000},"salesTaxPercent":{"type":"number","minimum":0,"maximum":20,"description":"Applicable sales tax %","default":0},"fees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Financed fees/add-ons","default":500},"cashDown":{"type":"number","minimum":0,"maximum":1000000000,"description":"Cash down payment","default":5000},"tradeValue":{"type":"number","minimum":0,"maximum":1000000000,"description":"Trade-in value","default":0},"tradePayoff":{"type":"number","minimum":0,"maximum":1000000000,"description":"Trade loan payoff","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Monthly payments","default":60}},"required":["price","taxableAmount","salesTaxPercent","fees","cashDown","tradeValue","tradePayoff","rate","months"],"additionalProperties":false}},{"id":"personal-loan","title":"Personal-loan repayment","category":"Business & other","description":"A transparent fixed-rate amortizing repayment schedule.","fields":[{"key":"principal","label":"Loan principal","type":"number","default":360000,"minimum":0,"maximum":1000000000,"description":""},{"key":"rate","label":"Annual interest rate","type":"number","default":6.5,"minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote."},{"key":"months","label":"Payments / months","type":"integer","default":360,"minimum":1,"maximum":600,"description":""}],"display":[["scheduledPayment","Scheduled principal & interest","money"],["totalInterest","Modeled interest","money"],["monthsPaid","Payments made","number"],["remainingBalance","Remaining / balloon balance","money"]],"method":"Monthly fixed-rate amortization with the final balance capped at zero.","limitations":"No new advances, origination fees, insurance or lender approval. 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