diff --git a/components/new/details.vue b/components/new/details.vue
index 760da35..019d257 100644
--- a/components/new/details.vue
+++ b/components/new/details.vue
@@ -48,7 +48,7 @@
<section class="form inputs">
<h3>Property Details</h3>
<label>Price ($)</label>
-<input :value="estimate.price" @input="(e) => $emit('update:price', strip(e))">
+<input :value="estimate.price/100" @input="(e) => $emit('update:price', strip(e))">
<label>Type</label>
<select id="" name=""
:value="estimate.property"
@@ -113,7 +113,7 @@
<label>Total DTI (%) - Optional</label>
<input :value="loan.dti" @input="(e) => $emit('update:dti', e)">
<label>Home Owner's Association ($/month)</label>
-<input :value="loan.hoa"
+<input :value="loan.hoa / 100"
@input="(e) => { $emit('update:hoa', strip(e)) }">
<label>Interest Rate (%)</label>
@@ -127,14 +127,14 @@
<input :value="loan.hazardEscrow"
@input="(e) => { $emit('update:hazardEscrow', stripInt(e)) }">
<label>Hazard Insurance ($/month)</label>
-<input :value="loan.hazard"
+<input :value="loan.hazard / 100"
@input="(e) => $emit('update:hazard', strip(e))">
<label>Real Estate Tax Escrow (months)</label>
<input :value="loan.taxEscrow"
@input="e => $emit('update:taxEscrow', stripInt(e))">
<label>Real Estate Tax ($/month)</label>
-<input :value="loan.tax"
+<input :value="loan.tax/100"
@input="(e) => $emit('update:tax', strip(e))">
</section>
@@ -144,7 +144,8 @@
:key="fee.name + indx" class="fee"
>
<label>
- ${{fee.amount}}{{ fee.perc ? ` ${fee.perc}%` : ''}} - {{fee.name}}<br>
+ ${{(fee.amount / 100).toFixed(2)}}
+ {{ fee.perc ? ` ${fee.perc}%` : ''}} - {{fee.name}}<br>
{{fee.type}}
</label>
<img width="21" height="21" src="/assets/image/icon/x-red.svg"
diff --git a/components/new/new.vue b/components/new/new.vue
index c79ef08..2024a90 100644
--- a/components/new/new.vue
+++ b/components/new/new.vue
@@ -37,26 +37,26 @@ class="bi bi-plus" viewBox="0 0 16 16"> <path d="M8 4a.5.5 0 0 1 .5.5v3h3a.5.5 0
@update:property="(p) => estimate.property = p"
@update:loanType="(lt) => loan.type.id = lt"
- @update:term="(lt) => loans[sel].term = lt"
+ @update:term="(lt) => loan.term = lt"
@update:program="(p) => loans[sel].program = p"
@update:ltv="setLtv"
@update:amount="setAmount"
@update:housingDti="setHousingDti"
@update:dti="setDti"
- @update:hoa="(hoa) => loans[sel].hoa = hoa"
- @update:interest="(i) => loans[sel].interest = i"
+ @update:hoa="(hoa) => loan.hoa = hoa*100"
+ @update:interest="(i) => loan.interest = i"
@update:interestDays="(d) => loans[sel].interestDays = d"
@update:hazardEscrow="(h) => loans[sel].hazardEscrow = h"
- @update:hazard="(h) => loans[sel].hazard = h"
+ @update:hazard="(h) => loan.hazard = h * 100"
@update:taxEscrow="(t) => loans[sel].taxEscrow = t"
- @update:tax="(t) => loans[sel].tax = t"
- @update:manualMI="perc => loans[sel].mi.rate = perc"
+ @update:tax="(t) => loan.tax = t*100"
+ @update:manualMI="perc => loan.mi.rate = perc"
@toggle:manualMIMonthly=
"() => loans[sel].mi.monthly = !loans[sel].mi.monthly"
@continue="generate"
/>
<loan-summary v-if="hash == '#new/summary'"
- :loan="loan" :downpayment="estimate.price - loan.amount" :token="token" :estimate="estimate"/>
+ :loan="loan" :downpayment="estimate.price - loan.amount" :token="token" :estimate="estimate"/>
</div>
</template>
@@ -81,7 +81,7 @@ const example = {
hazardEscrow: 0, // Hazard insurance escrow in months (0 is none)
tax: 0, // Real Estate taxes monthly payment
taxEscrow: 0, // Months to escrow (0 is none)
- hoa: 100, // Home owner's association monthly fee
+ hoa: 10000, // Home owner's association monthly fee
program: "",
pud: true, // Property under development
zip: '',
@@ -133,7 +133,7 @@ function del() {
// Updates the property price for all loans and their fee amounts.
function setPrice(value) {
- this.estimate.price = value
+ this.estimate.price = Math.round(value*100)
this.estimate.loans[this.sel].fees.forEach(fee => {
if (fee.perc) fee.amount = (fee.perc / 100 * value).toFixed(2)
})
@@ -151,21 +151,21 @@ function setLtv(e) {
this.loan.ltv = ltv
let num = ltv / 100 * this.estimate.price
- this.loan.amount = Math.round(num*100)
+ this.loan.amount = Math.round(num)
}
// Changes loan.amount\'s <input> and data() values, then syncs with data.ltv
// Loan amount is in cents but LTV is in decimals so some rounding needs to be done.
function setAmount(e) {
- let amount = strip(e)
+ let amount = strip(e) * 100
if (!this.estimate.price) return
- if (amount > this.loan.price) amount = this.loan.price
+ if (amount > this.estimate.price) amount = this.estimate.price
if (amount < 0) amount = 0
- this.loan.amount = Math.round(amount * 100)
- let num = amount / this.estimate.price * 100
- this.loan.ltv = Math.round(num*100) / 100
+ this.loan.amount = Math.round(amount)
+ let num = amount / this.estimate.price
+ this.loan.ltv = Math.round(num*100)
}
function setDti(e) {
diff --git a/components/new/summary.vue b/components/new/summary.vue
index 83e3db7..594bb99 100644
--- a/components/new/summary.vue
+++ b/components/new/summary.vue
@@ -1,22 +1,23 @@
<template>
-<div v-if="downpayment && totalMonthly > 0">
+<div v-if="valid">
<section class="form inputs">
-<h3>Monthly Payment - ${{totalMonthly}}</h3>
-<label>Loan payment: ${{loanPayment.toFixed(2)}}</label>
+<h3>Monthly Payment - ${{format(totalMonthly)}}</h3>
+<label>Loan payment: ${{format(loanPayment)}}</label>
<label v-if="loan.mi.monthly">
- Mortgage insurance: ${{(loan.amount*loan.mi.rate/100/12).toFixed(2)}}
+ Mortgage insurance: ${{format(loan.amount*loan.mi.rate/100/12)}}
</label>
-<label>Property taxes: ${{loan.tax}}</label>
+<label>Property taxes: ${{format(loan.tax)}}</label>
+<label>Homeowner's Insurance: ${{format(loan.hoa)}}</label>
</section>
<section class="form inputs">
-<h3>Cash to Close - ${{totalMonthly}}</h3>
-<label>Closing costs: ${{fees}}</label>
+<h3>Cash to Close - ${{format(cashToClose)}}</h3>
+<label>Closing costs: ${{format(fees)}}</label>
<label v-if="credits">Credits: ${{credits}}</label>
-<label>Down payment: ${{downpayment.toFixed(2)}}</label>
+<label>Down payment: ${{format(downpayment)}}</label>
<label v-if="!loan.mi.monthly">
- Mortgage insurance: ${{(loanPayment*loan.mi.rate/100).toFixed(2)}}
+ Mortgage insurance: ${{format(loan.amount*loan.mi.rate/100)}}
</label>
</section>
@@ -30,7 +31,8 @@
<script setup>
import { ref, computed, onMounted } from 'vue'
-const props = defineProps(['downpayment', 'loan', 'valid', 'token', 'estimate'])
+let valid = ref(false)
+const props = defineProps(['downpayment', 'loan', 'token', 'estimate'])
function amortize(principle, rate, periods) {
return principle * rate*(1+rate)**periods / ((1+rate)**periods - 1)
@@ -38,43 +40,46 @@ function amortize(principle, rate, periods) {
const loanPayment = computed(() => {
let amount = props.loan.amount
- if (!props.loan.mi.monthly) amount =
- amount + props.loan.mi.rate/100*(amount+props.downpayment)
+
return amortize(props.loan.amount,
props.loan.interest / 100 / 12,
props.loan.term*12)
})
-const totalMonthly = computed (
- () => (loanPayment.value +
+const totalMonthly = computed (() => {
+ let total = loanPayment.value +
props.loan.tax +
props.loan.hoa +
- props.loan.hazard).toFixed(2)
- )
-
-const totalCash = computed (
- () => (fees.value +
- credits.value +
- props.downpayment).toFixed(2)
- )
+ props.loan.hazard
+
+ if (props.loan.mi.monthly) {
+ total = total + props.loan.mi.rate/100*(props.loan.amount)
+ }
+ return total
+})
// Closing costs
const fees = computed(() => {
return props.loan.fees.reduce((total, x) => {
return x.amount > 0 ? total + x.amount : 0
}, 0
- ).toFixed(2)
+ )
})
const credits = computed(() => {
return props.loan.fees.reduce((total, x) => {
return x.amount < 0 ? total + x.amount : 0
}, 0
- ).toFixed(2)
+ )
})
const cashToClose = computed(() => {
- return fees + credits + downpayment
+ let total = fees.value + credits.value + props.downpayment
+ if (!props.loan.mi.monthly) {
+ total = total + props.loan.mi.rate/100*(props.loan.amount)
+ }
+
+ return total
})
function validate() {
@@ -87,15 +92,21 @@ function validate() {
},
}).then(resp => {
if (resp.ok && resp.status == 200) {
+ valid.value = true
return
} else {
// resp.text().then(t => this.errors = [t])
- window.location.hash = 'new'
+ // window.location.hash = 'new'
}
})
}
+// Print number of cents as a nice string of dollars
+function format(num) {
+ return (num/100).toFixed(2)
+}
+
onMounted(() => {validate()})
</script>
diff --git a/skouter.go b/skouter.go
index a2f76c0..2f18d98 100644
--- a/skouter.go
+++ b/skouter.go
@@ -94,7 +94,7 @@ type Loan struct {
Ltv float32 `json:"ltv"`
Dti float32 `json:"dti"`
Hoi int `json:"hoi"`
- Interest int `json:"interest"`
+ Interest float32 `json:"interest"`
Mi MI `json:"mi"`
Fees []Fee `json:"fees"`
Name string `json:"name"`