@huddle-marketplace/skills 0.2.0

package/dist/jurisdictions/lifecycle/homeownership-readiness.js

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+/**
+ * Homeownership Readiness Skill
+ *
+ * The core differentiator: assesses a renter's readiness to become a homeowner.
+ * Not jurisdiction-specific — applies universally with jurisdiction-aware program matching.
+ *
+ * Capabilities:
+ * - Down payment progress tracking with timeline projection
+ * - Mortgage readiness assessment (DTI, credit, employment)
+ * - First-time buyer program matching (FHA, VA, USDA, state programs)
+ * - Closing cost estimation
+ * - Actionable roadmap to homeownership
+ */
+import { BaseSkill } from "../../base.js";
+export class HomeownershipReadinessSkill extends BaseSkill {
+    id = "huddle-homeownership-readiness";
+    name = "Homeownership Readiness Assessment";
+    jurisdiction = "US-CFTC"; // Universal, uses federal as base
+    version = "1.0.0";
+    capabilities = [
+        "homeownership-readiness",
+        "buyer-program-matching",
+        "closing-cost-estimation",
+    ];
+    async validate(input) {
+        if (input.type !== "homeownership-readiness") {
+            return this.buildResult([{
+                    name: "input-type",
+                    passed: false,
+                    confidence: 1.0,
+                    note: `Homeownership readiness skill requires type: "homeownership-readiness", received: ${input.type}`,
+                }], input);
+        }
+        const readiness = input;
+        const checks = [
+            this.checkDTIRatio(readiness),
+            this.checkCreditScore(readiness),
+            this.checkDownPaymentProgress(readiness),
+            this.checkEmploymentStability(readiness),
+            this.checkProgramEligibility(readiness),
+        ];
+        return this.buildResult(checks, input);
+    }
+    /**
+     * Debt-to-Income Ratio Assessment
+     * Front-end DTI (housing only): ideally < 28%
+     * Back-end DTI (all debt): ideally < 36%, max 43% for most loans, 50% for FHA
+     */
+    checkDTIRatio(input) {
+        const monthlyIncome = input.annualIncomeCents / 12;
+        const monthlyDebt = input.monthlyDebtCents;
+        const dtiPercent = monthlyIncome > 0 ? (monthlyDebt / monthlyIncome) * 100 : 100;
+        let passed;
+        let note;
+        let confidence;
+        if (dtiPercent <= 36) {
+            passed = true;
+            confidence = 1.0;
+            note = `DTI ratio ${dtiPercent.toFixed(1)}% is excellent (≤36%). Qualifies for most conventional loans.`;
+        }
+        else if (dtiPercent <= 43) {
+            passed = true;
+            confidence = 0.8;
+            note = `DTI ratio ${dtiPercent.toFixed(1)}% is acceptable (≤43%). Qualifies for most loans but may limit options.`;
+        }
+        else if (dtiPercent <= 50) {
+            passed = false;
+            confidence = 0.6;
+            note = `DTI ratio ${dtiPercent.toFixed(1)}% is high. Only FHA loans (up to 50% with compensating factors) may qualify.`;
+        }
+        else {
+            passed = false;
+            confidence = 1.0;
+            note = `DTI ratio ${dtiPercent.toFixed(1)}% exceeds all program limits. Debt reduction needed before mortgage application.`;
+        }
+        return {
+            name: "dti-ratio",
+            passed,
+            confidence,
+            note,
+            citation: {
+                statute: "Qualified Mortgage Rule (Dodd-Frank)",
+                section: "12 CFR § 1026.43(e)",
+                summary: "Qualified mortgages generally require DTI ≤ 43%. FHA allows up to 50% with compensating factors. Conventional ideal: ≤ 36%.",
+            },
+            details: {
+                dtiPercent,
+                monthlyIncomeCents: Math.round(monthlyIncome),
+                monthlyDebtCents: monthlyDebt,
+                thresholds: { excellent: 36, acceptable: 43, fhaMax: 50 },
+            },
+        };
+    }
+    /**
+     * Credit Score Assessment
+     * 740+: Excellent (best rates)
+     * 700-739: Good
+     * 660-699: Fair (conventional possible)
+     * 620-659: FHA eligible
+     * 580-619: FHA with 3.5% down
+     * 500-579: FHA with 10% down
+     * <500: Not mortgage-eligible
+     */
+    checkCreditScore(input) {
+        const score = input.creditScore;
+        if (score === undefined) {
+            return {
+                name: "credit-score",
+                passed: false,
+                confidence: 0.0,
+                note: "Credit score not provided. This is a critical factor in mortgage eligibility and interest rates.",
+            };
+        }
+        let passed;
+        let note;
+        let confidence;
+        if (score >= 740) {
+            passed = true;
+            confidence = 1.0;
+            note = `Credit score ${score} is excellent. Qualifies for best mortgage rates across all programs.`;
+        }
+        else if (score >= 700) {
+            passed = true;
+            confidence = 0.9;
+            note = `Credit score ${score} is good. Qualifies for most programs with competitive rates.`;
+        }
+        else if (score >= 660) {
+            passed = true;
+            confidence = 0.8;
+            note = `Credit score ${score} is fair. Conventional loans available but rates may be higher.`;
+        }
+        else if (score >= 620) {
+            passed = true;
+            confidence = 0.7;
+            note = `Credit score ${score} meets FHA minimum (620 for most lenders). Limited conventional options.`;
+        }
+        else if (score >= 580) {
+            passed = true;
+            confidence = 0.6;
+            note = `Credit score ${score} qualifies for FHA with 3.5% down payment. No conventional loans available.`;
+        }
+        else if (score >= 500) {
+            passed = false;
+            confidence = 0.5;
+            note = `Credit score ${score} requires 10% down for FHA. Very limited options. Focus on credit improvement.`;
+        }
+        else {
+            passed = false;
+            confidence = 1.0;
+            note = `Credit score ${score} is below all mortgage program thresholds. Credit repair needed.`;
+        }
+        return {
+            name: "credit-score",
+            passed,
+            confidence,
+            note,
+            citation: {
+                statute: "FHA Handbook 4000.1",
+                section: "II.A.5.b",
+                summary: "FHA minimum: 580 for 3.5% down, 500 for 10% down. Conventional typically requires 620+. Best rates at 740+.",
+                url: "https://www.hud.gov/program_offices/housing/sfh/handbook_4000-1",
+            },
+            details: {
+                creditScore: score,
+                tier: score >= 740 ? "excellent" : score >= 700 ? "good" : score >= 660 ? "fair" : score >= 620 ? "fha-standard" : score >= 580 ? "fha-low" : score >= 500 ? "fha-minimum" : "ineligible",
+            },
+        };
+    }
+    /**
+     * Down Payment Progress
+     * Tracks savings vs target and projects completion date
+     */
+    checkDownPaymentProgress(input) {
+        const current = input.currentSavingsCents;
+        const target = input.targetDownPaymentCents;
+        const progressPercent = target > 0 ? (current / target) * 100 : 0;
+        const remaining = Math.max(0, target - current);
+        let projectedMonths = null;
+        let projectedDate = null;
+        if (input.targetPurchaseDate) {
+            const targetDate = new Date(input.targetPurchaseDate);
+            const now = new Date();
+            const monthsRemaining = Math.max(1, (targetDate.getFullYear() - now.getFullYear()) * 12 +
+                (targetDate.getMonth() - now.getMonth()));
+            const monthlySavingsNeeded = remaining / monthsRemaining;
+            projectedMonths = monthsRemaining;
+            return {
+                name: "down-payment-progress",
+                passed: progressPercent >= 100,
+                confidence: 0.9,
+                note: progressPercent >= 100
+                    ? `Down payment target reached! $${(current / 100).toFixed(2)} saved of $${(target / 100).toFixed(2)} goal.`
+                    : `${progressPercent.toFixed(1)}% saved ($${(current / 100).toFixed(2)} of $${(target / 100).toFixed(2)}). Need $${(monthlySavingsNeeded / 100).toFixed(2)}/month for ${monthsRemaining} months to reach goal by ${input.targetPurchaseDate}.`,
+                details: {
+                    currentSavingsCents: current,
+                    targetCents: target,
+                    progressPercent,
+                    remainingCents: remaining,
+                    projectedMonths: monthsRemaining,
+                    monthlySavingsNeededCents: Math.round(monthlySavingsNeeded),
+                },
+            };
+        }
+        return {
+            name: "down-payment-progress",
+            passed: progressPercent >= 100,
+            confidence: 0.9,
+            note: progressPercent >= 100
+                ? `Down payment target reached! $${(current / 100).toFixed(2)} saved.`
+                : `${progressPercent.toFixed(1)}% saved ($${(current / 100).toFixed(2)} of $${(target / 100).toFixed(2)}). $${(remaining / 100).toFixed(2)} remaining.`,
+            details: {
+                currentSavingsCents: current,
+                targetCents: target,
+                progressPercent,
+                remainingCents: remaining,
+            },
+        };
+    }
+    /**
+     * Employment Stability
+     * Most lenders require 2 years of stable employment
+     */
+    checkEmploymentStability(input) {
+        const months = input.employmentMonths;
+        if (months === undefined) {
+            return {
+                name: "employment-stability",
+                passed: false,
+                confidence: 0.0,
+                note: "Employment history not provided. Most lenders require 2 years of stable employment.",
+            };
+        }
+        const passed = months >= 24;
+        return {
+            name: "employment-stability",
+            passed,
+            confidence: passed ? 1.0 : 0.7,
+            note: passed
+                ? `${(months / 12).toFixed(1)} years of employment meets 2-year lender requirement.`
+                : `${(months / 12).toFixed(1)} years of employment is below the typical 2-year requirement. Some programs accept shorter history with compensating factors.`,
+            citation: {
+                statute: "Fannie Mae Selling Guide",
+                section: "B3-3.1-01",
+                summary: "Standard requirement: 2 years of stable employment history. Self-employed borrowers may need additional documentation.",
+                url: "https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/",
+            },
+            details: { employmentMonths: months, requiredMonths: 24 },
+        };
+    }
+    /**
+     * First-Time Buyer Program Matching
+     * Evaluates eligibility for FHA, VA, USDA, and conventional programs
+     */
+    checkProgramEligibility(input) {
+        const programs = this.matchPrograms(input);
+        const eligiblePrograms = programs.filter((p) => p.eligible);
+        const passed = eligiblePrograms.length > 0;
+        const programSummary = programs.map((p) => `${p.eligible ? "✓" : "✗"} ${p.name}: ${p.reason} (min ${p.minDownPaymentPercent}% down, ${p.minCreditScore}+ credit)`).join("\n  ");
+        return {
+            name: "program-eligibility",
+            passed,
+            confidence: 0.8,
+            note: passed
+                ? `Eligible for ${eligiblePrograms.length} program(s):\n  ${programSummary}`
+                : `Not currently eligible for any programs:\n  ${programSummary}`,
+            details: {
+                programs,
+                eligibleCount: eligiblePrograms.length,
+            },
+        };
+    }
+    matchPrograms(input) {
+        const score = input.creditScore ?? 0;
+        const dti = input.annualIncomeCents > 0
+            ? (input.monthlyDebtCents / (input.annualIncomeCents / 12)) * 100
+            : 100;
+        const programs = [];
+        // FHA
+        const fhaEligible = score >= 580 && dti <= 50;
+        programs.push({
+            name: "FHA Loan",
+            eligible: fhaEligible,
+            reason: fhaEligible
+                ? "Credit and DTI meet FHA requirements"
+                : score < 580
+                    ? `Credit score ${score} below FHA minimum (580)`
+                    : `DTI ${dti.toFixed(1)}% exceeds FHA max (50%)`,
+            minDownPaymentPercent: score >= 580 ? 3.5 : 10,
+            maxDTI: 50,
+            minCreditScore: 580,
+            url: "https://www.hud.gov/buying/loans",
+        });
+        // VA (if veteran)
+        if (input.veteranStatus) {
+            const vaEligible = score >= 620 && dti <= 41;
+            programs.push({
+                name: "VA Loan",
+                eligible: vaEligible,
+                reason: vaEligible
+                    ? "Veteran status confirmed, credit and DTI qualify"
+                    : `${score < 620 ? "Credit below 620" : "DTI above 41%"}`,
+                minDownPaymentPercent: 0,
+                maxDTI: 41,
+                minCreditScore: 620,
+                url: "https://www.va.gov/housing-assistance/home-loans/",
+            });
+        }
+        // USDA (if rural)
+        if (input.ruralArea) {
+            const usdaEligible = score >= 640 && dti <= 41;
+            programs.push({
+                name: "USDA Loan",
+                eligible: usdaEligible,
+                reason: usdaEligible
+                    ? "Rural area confirmed, credit and DTI qualify"
+                    : `${score < 640 ? "Credit below 640" : "DTI above 41%"}`,
+                minDownPaymentPercent: 0,
+                maxDTI: 41,
+                minCreditScore: 640,
+                url: "https://www.rd.usda.gov/programs-services/single-family-housing-programs",
+            });
+        }
+        // Conventional (Fannie Mae HomeReady / Freddie Mac Home Possible)
+        if (input.firstTimeBuyer) {
+            const conventionalEligible = score >= 620 && dti <= 45;
+            programs.push({
+                name: "Conventional (HomeReady/Home Possible)",
+                eligible: conventionalEligible,
+                reason: conventionalEligible
+                    ? "First-time buyer, credit and DTI qualify for 3% down programs"
+                    : `${score < 620 ? "Credit below 620" : "DTI above 45%"}`,
+                minDownPaymentPercent: 3,
+                maxDTI: 45,
+                minCreditScore: 620,
+            });
+        }
+        // Standard Conventional
+        const stdConventional = score >= 660 && dti <= 43;
+        programs.push({
+            name: "Conventional Loan",
+            eligible: stdConventional,
+            reason: stdConventional
+                ? "Credit and DTI meet conventional requirements"
+                : `${score < 660 ? "Credit below 660 (conventional minimum varies)" : "DTI above 43%"}`,
+            minDownPaymentPercent: score >= 740 ? 5 : 10,
+            maxDTI: 43,
+            minCreditScore: 660,
+        });
+        return programs;
+    }
+    checkToRemediation(check) {
+        switch (check.name) {
+            case "dti-ratio":
+                return {
+                    action: "reduce_debt",
+                    description: "Pay down existing debts to reduce DTI ratio below 43%. Target: monthly debt payments < 36% of gross monthly income.",
+                    urgency: "recommended",
+                    automatable: false,
+                };
+            case "credit-score":
+                return {
+                    action: "improve_credit",
+                    description: "Focus on credit improvement: pay bills on time, reduce credit utilization below 30%, dispute errors on credit report.",
+                    urgency: "recommended",
+                    automatable: false,
+                };
+            case "down-payment-progress":
+                return {
+                    action: "increase_savings",
+                    description: "Increase monthly savings contribution. Consider Huddle's mission contribution feature to accelerate progress.",
+                    urgency: "recommended",
+                    automatable: true,
+                };
+            case "employment-stability":
+                return {
+                    action: "maintain_employment",
+                    description: "Maintain current employment for at least 2 years total. Avoid job changes during mortgage application process.",
+                    urgency: "recommended",
+                    automatable: false,
+                };
+            case "program-eligibility":
+                return {
+                    action: "improve_qualification",
+                    description: "Address the weakest qualification factor (credit, DTI, or down payment) to unlock at least one mortgage program.",
+                    urgency: "required",
+                    automatable: false,
+                };
+            default:
+                return super.checkToRemediation(check);
+        }
+    }
+    getMetadata() {
+        return {
+            ...super.getMetadata(),
+            description: "Comprehensive homeownership readiness assessment: DTI ratio, credit score, down payment progress, employment stability, and mortgage program matching (FHA, VA, USDA, conventional).",
+            tags: ["homeownership", "mortgage", "readiness", "fha", "va", "usda", "down-payment"],
+        };
+    }
+}
+export const homeownershipReadinessSkill = new HomeownershipReadinessSkill();
+//# sourceMappingURL=homeownership-readiness.js.map

package/dist/jurisdictions/lifecycle/homeownership-readiness.js.map

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package/dist/jurisdictions/us-ca/index.d.ts

@@ -0,0 +1,65 @@
+/**
+ * US-CA — California Civil Code § 1950.5 & AB-1482 (Tenant Protection Act)
+ *
+ * California has some of the strongest tenant protections in the US:
+ * - Security deposit limited to 2 months' rent (unfurnished) or 3 months (furnished)
+ *   → As of July 2024 (AB 12): limited to 1 month for ALL units
+ * - 21-day return deadline after move-out
+ * - Itemized statement of deductions required
+ * - Rent increases capped at 5% + CPI or 10% (whichever is lower) under AB-1482
+ * - Just cause eviction protections after 12 months
+ * - Landlord must pay interest on deposit in some cities (SF, LA, Berkeley, etc.)
+ */
+import { BaseSkill } from "../../base.js";
+import type { SkillInput, SkillResult, SkillCheck, SkillCapability, RemediationStep, SkillMetadata } from "../../types/index.js";
+export declare class USCASkill extends BaseSkill {
+    readonly id = "huddle-compliance-us-ca";
+    readonly name = "California Civil Code \u00A7 1950.5 & AB-1482";
+    readonly jurisdiction: "US-CA";
+    readonly version = "1.0.0";
+    readonly capabilities: SkillCapability[];
+    validate(input: SkillInput): Promise<SkillResult>;
+    private validateDeposit;
+    /**
+     * Civil Code § 1950.5(c): Deposit Limit
+     * AB 12 (effective July 1, 2024): Maximum 1 month's rent for ALL units
+     * Previously: 2 months (unfurnished) / 3 months (furnished)
+     */
+    private checkDepositLimit;
+    /**
+     * Civil Code § 1950.5(g): 21-Day Return
+     * Landlord must return deposit within 21 calendar days of move-out
+     */
+    private checkReturnTimeline;
+    /**
+     * Civil Code § 1950.5(g)(2): Itemized Deductions
+     * Must provide itemized statement with receipts for any deduction over $125
+     */
+    private checkItemizedDeductions;
+    /**
+     * Civil Code § 1950.5(m): Non-Refundable Fee Prohibition
+     * No portion of a security deposit may be designated as non-refundable
+     */
+    private checkNonRefundableFeeProhibition;
+    /**
+     * Civil Code § 1950.5(f): Receipt Requirement
+     * Landlord must provide receipt for deposit and inspection rights
+     */
+    private checkReceiptRequirement;
+    private validateRentIncrease;
+    /**
+     * AB-1482 (Tenant Protection Act of 2019): Rent Increase Cap
+     * Maximum increase: 5% + local CPI or 10%, whichever is LOWER
+     * Applies to most residential units (exemptions for new construction <15 years, single-family homes)
+     */
+    private checkRentCapAB1482;
+    /**
+     * Civil Code § 827: Notice Requirement for Rent Increases
+     * 30-day notice for increases ≤ 10%; 90-day notice for increases > 10%
+     */
+    private checkNoticeRequirement;
+    protected checkToRemediation(check: SkillCheck): RemediationStep;
+    getMetadata(): SkillMetadata;
+}
+export declare const usCaSkill: USCASkill;
+//# sourceMappingURL=index.d.ts.map

package/dist/jurisdictions/us-ca/index.d.ts.map

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