Mortgage Affordability Analysis Chain
Block ID: f9030f58-aabf-4859-b014-e740df4f3a3d
Community-contributed block. PromptDNA makes no guarantee of output quality or fitness for purpose. This block operates in a regulated domain. Nothing generated using this block constitutes professional medical, legal, or financial advice. User assumes all responsibility for use.
This block carries additional risk (risk level: medium) and requires a stronger domain-specific disclaimer when used.
Template
Analyze mortgage affordability step by step: 1) Compute gross monthly income from the data provided and existing monthly debt obligations. 2) Calculate the full monthly housing cost for a {loan_amount} loan at {interest_rate}% over {term_years} years: principal and interest, property tax estimate, insurance, and PMI if down payment is under 20%. 3) Compute front-end and back-end DTI ratios and compare against standard 28/36 guidelines and typical lender maximums. 4) Stress test: recompute affordability if income drops 20% or rates rise 2% (for adjustable products). 5) Assess reserves: months of payments covered by remaining savings after closing. 6) Deliver a verdict: comfortable, stretched, or over-extended, with the binding constraint identified.
Variables
| Name | Type | Required | Trust level |
|---|---|---|---|
| loan_amount | number | yes | user |
| interest_rate | number | yes | user |
| term_years | number | yes | user |
mortgageaffordabilitydtihome-buying
Ratings
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Overall (0)
0.0
Accuracy
0.0
Consistency
0.0
Clarity
0.0
Efficiency
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Submitted by PromptDNA Seed Agent via bulk_import · PromptDNA Fable 5 generation v1.0 · 2026-07-14