Based on 28% front-end DTI, your current down payment, and loan terms. This is a simplified estimate.

`; // Stress Meter stressLevelText.textContent = r.stressLevel; stressLevelText.className = r.stressClass; // Apply class for color const meterBar = document.createElement('div'); meterBar.className = 'hamsi_stress_meter_bar'; // Score 0 (Comfortable) -> up to 25% width // Score 1 (Manageable) -> up to 50% width // Score 2 (Stressed) -> up to 75% width // Score 3 (Severe) -> up to 100% width const meterWidths = [25, 50, 75, 100]; // Cumulative % widths for each level const meterLevels = ['low', 'manageable', 'stressed', 'severe']; const meterLabels = ['Comfortable', 'Manageable', 'Stressed', 'Severe']; let currentMeterFilled = 0; if(r.stressScore !== undefined) { // Check if stressScore is defined const targetFill = meterWidths[r.stressScore]; const segment = document.createElement('div'); segment.className = `hamsi_stress_meter_segment ${meterLevels[r.stressScore]}`; segment.style.width = `${targetFill}%`; // segment.textContent = meterLabels[r.stressScore]; // Optional text on bar meterBar.appendChild(segment); currentMeterFilled = targetFill; } // Fill remaining transparently or with a base color if(currentMeterFilled < 100){ const remainingSegment = document.createElement('div'); remainingSegment.style.width = `${100-currentMeterFilled}%`; // No background for remaining, or a very light grey meterBar.appendChild(remainingSegment); } stressMeterContainer.innerHTML = ''; // Clear previous stressMeterContainer.appendChild(meterBar); // Labels for meter (optional, can be complex to align perfectly with dynamic bar) // const meterLabelsDiv = document.createElement('div'); // meterLabelsDiv.className = 'hamsi_stress_meter_labels'; // meterLabelsDiv.innerHTML = `LowModHighSevere`; // stressMeterContainer.appendChild(meterLabelsDiv); const pdfBtn = document.getElementById('hamsi_downloadPdfButton'); if(pdfBtn) pdfBtn.style.display = 'block'; } // --- PDF Generation --- function hamsi_downloadPDF() { if (!hamsi_results) { alert("Please calculate results first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('Core PDF library (jsPDF) is not loaded.'); console.error('jsPDF library not found.'); return; } const { jsPDF: JSPDF } = window.jspdf; const doc = new JSPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF Table plugin (jsPDF-AutoTable) is not loaded correctly. Tables in PDF may be missing.'); console.error('doc.autoTable is not a function. jsPDF-AutoTable plugin error.'); } let y = 15; const m = 15; const cw = doc.internal.pageSize.getWidth() - (2 * m); const i = hamsi_results.inputs; const r = hamsi_results.calculations; function addLine(text, size, style = 'normal', indent = 0, spacing = 2.5) { if (y > 275) { doc.addPage(); y = m; } doc.setFontSize(size); doc.setFont(undefined, style); const lines = doc.splitTextToSize(text, cw - indent); doc.text(lines, m + indent, y); y += (lines.length * (size * 0.35)) + spacing; } addLine(`Housing Affordability & Mortgage Stress Report`, 16, 'bold', 0, 5); addLine(`Assessment Date: ${new Date().toLocaleDateString()}`, 9, 'italic', 0, 5); addLine("Input Summary:", 12, 'bold', 0, 3); let inputData = [ ["Gross Annual Income:", hamsi_formatCurrency(i.grossAnnualIncome)], ["Total Monthly Debts (Non-Housing):", hamsi_formatCurrency(i.monthlyDebts)], ["Target Property Price:", hamsi_formatCurrency(i.propertyPrice)], ["Down Payment Amount:", `${hamsi_formatCurrency(i.downPaymentAmount)} (${hamsi_formatPercent((i.downPaymentAmount/i.propertyPrice)*100 || 0)})`], ["Loan Interest Rate:", hamsi_formatPercent(i.loanInterestRate)], ["Loan Term:", `${i.loanTerm} years`], ["Annual Property Taxes:", hamsi_formatCurrency(i.annualPropertyTaxes)], ["Annual Home Insurance:", hamsi_formatCurrency(i.annualHomeInsurance)], ["Monthly HOA Fees:", hamsi_formatCurrency(i.monthlyHOA)], ["Monthly PMI:", hamsi_formatCurrency(i.monthlyPMI)], ]; if (typeof doc.autoTable === 'function') { doc.autoTable({ startY: y, body: inputData, theme: 'plain', styles: {fontSize: 9, cellPadding: 1.2}, columnStyles: {0:{fontStyle:'bold'}}}); y = doc.lastAutoTable.finalY + 6; } else { inputData.forEach(row => addLine(`${row[0]} ${row[1]}`, 9)); y += 5; } addLine("Affordability Analysis:", 12, 'bold', 0, 3); let analysisData = [ ["Gross Monthly Income:", hamsi_formatCurrency(r.grossMonthlyIncome)], ["Est. Monthly Mortgage (P&I):", hamsi_formatCurrency(r.monthlyPI)], ["Est. Monthly Taxes & Insurance (T&I):", hamsi_formatCurrency(r.monthlyTaxes + r.monthlyInsurance)], ["Est. Total Monthly Housing (PITI + HOA + PMI):", hamsi_formatCurrency(r.totalPITI_HOA_PMI)], ["Front-End DTI (Housing/Income):", hamsi_formatPercent(r.frontEndDTI)], ["Back-End DTI (Total Debts/Income):", hamsi_formatPercent(r.backEndDTI)], ["Conceptual Max Affordable House Price (28% DTI):", hamsi_formatCurrency(r.maxAffordableHousePrice_28_conceptual)], ]; if (typeof doc.autoTable === 'function') { doc.autoTable({ startY: y, body: analysisData, theme: 'plain', styles: {fontSize: 9, cellPadding: 1.2}, columnStyles: {0:{fontStyle:'bold'}}}); y = doc.lastAutoTable.finalY + 6; } else { analysisData.forEach(row => addLine(`${row[0]} ${row[1]}`, 9)); y += 5; } addLine(`Mortgage Stress Index: ${r.stressLevel}`, 14, 'bold', 0, 5); let stressDesc = ""; if(r.stressScore === 0) stressDesc = "Housing costs appear comfortable relative to income."; else if(r.stressScore === 1) stressDesc = "Housing costs are manageable, but monitor budget closely."; else if(r.stressScore === 2) stressDesc = "Housing costs indicate potential financial stress. Careful budgeting is essential."; else stressDesc = "Housing costs are at a severely stressed level, indicating high financial risk."; addLine(stressDesc, 10); y += 7; addLine("Disclaimer: This is a conceptual calculator for informational purposes only and not financial advice. DTI benchmarks can vary. Consult with a financial advisor.", 7, 'italic'); doc.save(`Housing_Affordability_Stress_Report.pdf`); }