mortgage-utils 1.0.0__tar.gz

mortgage_utils-1.0.0/PKG-INFO

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+Metadata-Version: 2.4
+Name: mortgage-utils
+Version: 1.0.0
+Summary: Lightweight Python utility library for mortgage calculations — DTI, amortization, affordability, LTV.
+Author-email: Sanjeev Kumar <contact@ournethelps.com>
+License: MIT
+Project-URL: Homepage, https://ournethelps.com
+Project-URL: Repository, https://github.com/sanjeevkumardev/mortgage-utils-py
+Project-URL: Bug Tracker, https://github.com/sanjeevkumardev/mortgage-utils-py/issues
+Keywords: mortgage,calculator,dti,debt-to-income,amortization,affordability,ltv,fintech,real-estate,home-loan,mortgage-broker
+Classifier: Development Status :: 5 - Production/Stable
+Classifier: Intended Audience :: Developers
+Classifier: License :: OSI Approved :: MIT License
+Classifier: Programming Language :: Python :: 3
+Classifier: Programming Language :: Python :: 3.8
+Classifier: Programming Language :: Python :: 3.9
+Classifier: Programming Language :: Python :: 3.10
+Classifier: Programming Language :: Python :: 3.11
+Classifier: Programming Language :: Python :: 3.12
+Classifier: Topic :: Office/Business :: Financial
+Classifier: Topic :: Software Development :: Libraries :: Python Modules
+Requires-Python: >=3.8
+Description-Content-Type: text/markdown
+
+# mortgage-utils
+
+> Lightweight Python utility library for mortgage calculations - DTI, amortization, affordability, and LTV.
+
+Built by **[OurNetHelps](https://ournethelps.com)** - mortgage tools for US mortgage brokers.
+
+---
+
+## Installation
+
+```bash
+pip install mortgage-utils
+```
+
+---
+
+## Features
+
+- DTI Calculator - front-end and back-end debt-to-income ratio
+- Amortization - monthly payment and full amortization schedule
+- Affordability - maximum loan amount based on income and debts
+- LTV - loan-to-value ratio with PMI threshold detection
+- Zero dependencies
+- Python 3.8 and above
+
+---
+
+## Usage
+
+### DTI (Debt-to-Income)
+
+```python
+from mortgage_utils import front_end_dti, back_end_dti, dti_report
+
+# Front-End DTI
+front = front_end_dti(monthly_housing_cost=1800, gross_monthly_income=7000)
+print(front)
+# {'ratio': 0.2571, 'percentage': 25.71, 'status': 'good', ...}
+
+# Back-End DTI
+back = back_end_dti(
+    monthly_housing_cost=1800,
+    monthly_debts=500,
+    gross_monthly_income=7000
+)
+print(back)
+# {'ratio': 0.3286, 'percentage': 32.86, 'status': 'good', ...}
+
+# Full DTI Report
+report = dti_report(
+    monthly_housing_cost=1800,
+    monthly_debts=500,
+    gross_monthly_income=7000
+)
+print(report['qualified'])  # True
+print(report['summary'])    # "Front-End: 25.71% | Back-End: 32.86%"
+```
+
+### Amortization
+
+```python
+from mortgage_utils import monthly_payment, amortization_schedule
+
+# Monthly Payment
+result = monthly_payment(
+    loan_amount=300000,
+    annual_interest_rate=6.5,
+    loan_term_years=30
+)
+print(result['monthly_payment'])  # 1896.20
+print(result['total_interest'])   # 382632.0
+
+# Full Amortization Schedule
+schedule = amortization_schedule(300000, 6.5, 30)
+print(schedule[0])
+# {'month': 1, 'payment': 1896.20, 'principal': 271.2, 'interest': 1625.0, 'balance': 299728.8}
+```
+
+### Affordability
+
+```python
+from mortgage_utils import max_affordable_loan, loan_to_value
+
+# Max Affordable Loan
+result = max_affordable_loan(
+    gross_monthly_income=8000,
+    monthly_debts=500,
+    annual_interest_rate=6.5,
+    loan_term_years=30
+)
+print(result['estimated_loan_amount'])  # max loan amount
+print(result['max_monthly_payment'])    # max monthly payment
+
+# LTV Ratio
+ltv = loan_to_value(loan_amount=320000, property_value=400000)
+print(ltv['percentage'])   # 80.0
+print(ltv['requires_pmi']) # False
+```
+
+---
+
+## API Reference
+
+### `front_end_dti(monthly_housing_cost, gross_monthly_income)`
+Returns front-end DTI with status (good / caution / high).
+
+### `back_end_dti(monthly_housing_cost, monthly_debts, gross_monthly_income)`
+Returns back-end DTI including all monthly debts.
+
+### `dti_report(monthly_housing_cost, monthly_debts, gross_monthly_income)`
+Returns full DTI report with qualified boolean and summary.
+
+### `monthly_payment(loan_amount, annual_interest_rate, loan_term_years)`
+Returns monthly P&I payment, total payment, and total interest.
+
+### `amortization_schedule(loan_amount, annual_interest_rate, loan_term_years)`
+Returns list of monthly payment breakdowns.
+
+### `max_affordable_loan(gross_monthly_income, monthly_debts, annual_interest_rate, loan_term_years, max_dti=43.0)`
+Returns max affordable loan amount based on income and DTI threshold.
+
+### `loan_to_value(loan_amount, property_value)`
+Returns LTV ratio, percentage, down payment, and PMI requirement flag.
+
+---
+
+## DTI Status Thresholds
+
+| Status | Front-End DTI | Back-End DTI |
+|--------|--------------|--------------|
+| good | 28% or less | 36% or less |
+| caution | 29% to 36% | 37% to 43% |
+| high | Above 36% | Above 43% |
+
+---
+
+## Related
+
+- [OurNetHelps](https://ournethelps.com) - mortgage tools for US mortgage brokers
+- [mortgage-utils on NPM](https://www.npmjs.com/package/mortgage-utils) - JavaScript version
+- [Live Mortgage Calculator](https://huggingface.co/spaces/sanjeevkumardev/mortgage-suite)
+
+---
+
+## License
+
+MIT © [Sanjeev Kumar](https://ournethelps.com)

mortgage_utils-1.0.0/README.md

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+# mortgage-utils
+
+> Lightweight Python utility library for mortgage calculations - DTI, amortization, affordability, and LTV.
+
+Built by **[OurNetHelps](https://ournethelps.com)** - mortgage tools for US mortgage brokers.
+
+---
+
+## Installation
+
+```bash
+pip install mortgage-utils
+```
+
+---
+
+## Features
+
+- DTI Calculator - front-end and back-end debt-to-income ratio
+- Amortization - monthly payment and full amortization schedule
+- Affordability - maximum loan amount based on income and debts
+- LTV - loan-to-value ratio with PMI threshold detection
+- Zero dependencies
+- Python 3.8 and above
+
+---
+
+## Usage
+
+### DTI (Debt-to-Income)
+
+```python
+from mortgage_utils import front_end_dti, back_end_dti, dti_report
+
+# Front-End DTI
+front = front_end_dti(monthly_housing_cost=1800, gross_monthly_income=7000)
+print(front)
+# {'ratio': 0.2571, 'percentage': 25.71, 'status': 'good', ...}
+
+# Back-End DTI
+back = back_end_dti(
+    monthly_housing_cost=1800,
+    monthly_debts=500,
+    gross_monthly_income=7000
+)
+print(back)
+# {'ratio': 0.3286, 'percentage': 32.86, 'status': 'good', ...}
+
+# Full DTI Report
+report = dti_report(
+    monthly_housing_cost=1800,
+    monthly_debts=500,
+    gross_monthly_income=7000
+)
+print(report['qualified'])  # True
+print(report['summary'])    # "Front-End: 25.71% | Back-End: 32.86%"
+```
+
+### Amortization
+
+```python
+from mortgage_utils import monthly_payment, amortization_schedule
+
+# Monthly Payment
+result = monthly_payment(
+    loan_amount=300000,
+    annual_interest_rate=6.5,
+    loan_term_years=30
+)
+print(result['monthly_payment'])  # 1896.20
+print(result['total_interest'])   # 382632.0
+
+# Full Amortization Schedule
+schedule = amortization_schedule(300000, 6.5, 30)
+print(schedule[0])
+# {'month': 1, 'payment': 1896.20, 'principal': 271.2, 'interest': 1625.0, 'balance': 299728.8}
+```
+
+### Affordability
+
+```python
+from mortgage_utils import max_affordable_loan, loan_to_value
+
+# Max Affordable Loan
+result = max_affordable_loan(
+    gross_monthly_income=8000,
+    monthly_debts=500,
+    annual_interest_rate=6.5,
+    loan_term_years=30
+)
+print(result['estimated_loan_amount'])  # max loan amount
+print(result['max_monthly_payment'])    # max monthly payment
+
+# LTV Ratio
+ltv = loan_to_value(loan_amount=320000, property_value=400000)
+print(ltv['percentage'])   # 80.0
+print(ltv['requires_pmi']) # False
+```
+
+---
+
+## API Reference
+
+### `front_end_dti(monthly_housing_cost, gross_monthly_income)`
+Returns front-end DTI with status (good / caution / high).
+
+### `back_end_dti(monthly_housing_cost, monthly_debts, gross_monthly_income)`
+Returns back-end DTI including all monthly debts.
+
+### `dti_report(monthly_housing_cost, monthly_debts, gross_monthly_income)`
+Returns full DTI report with qualified boolean and summary.
+
+### `monthly_payment(loan_amount, annual_interest_rate, loan_term_years)`
+Returns monthly P&I payment, total payment, and total interest.
+
+### `amortization_schedule(loan_amount, annual_interest_rate, loan_term_years)`
+Returns list of monthly payment breakdowns.
+
+### `max_affordable_loan(gross_monthly_income, monthly_debts, annual_interest_rate, loan_term_years, max_dti=43.0)`
+Returns max affordable loan amount based on income and DTI threshold.
+
+### `loan_to_value(loan_amount, property_value)`
+Returns LTV ratio, percentage, down payment, and PMI requirement flag.
+
+---
+
+## DTI Status Thresholds
+
+| Status | Front-End DTI | Back-End DTI |
+|--------|--------------|--------------|
+| good | 28% or less | 36% or less |
+| caution | 29% to 36% | 37% to 43% |
+| high | Above 36% | Above 43% |
+
+---
+
+## Related
+
+- [OurNetHelps](https://ournethelps.com) - mortgage tools for US mortgage brokers
+- [mortgage-utils on NPM](https://www.npmjs.com/package/mortgage-utils) - JavaScript version
+- [Live Mortgage Calculator](https://huggingface.co/spaces/sanjeevkumardev/mortgage-suite)
+
+---
+
+## License
+
+MIT © [Sanjeev Kumar](https://ournethelps.com)

mortgage_utils-1.0.0/mortgage_utils/__init__.py

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+"""
+mortgage-utils
+--------------
+Lightweight Python utility library for mortgage calculations.
+Built by OurNetHelps: https://ournethelps.com
+
+Modules:
+    dti: front_end_dti, back_end_dti, dti_report
+    amortization: monthly_payment, amortization_schedule
+    affordability: max_affordable_loan, loan_to_value
+"""
+
+from .dti import front_end_dti, back_end_dti, dti_report
+from .amortization import monthly_payment, amortization_schedule
+from .affordability import max_affordable_loan, loan_to_value
+
+__version__ = "1.0.0"
+__author__ = "Sanjeev Kumar"
+__email__ = "contact@ournethelps.com"
+__url__ = "https://ournethelps.com"
+
+__all__ = [
+    "front_end_dti",
+    "back_end_dti",
+    "dti_report",
+    "monthly_payment",
+    "amortization_schedule",
+    "max_affordable_loan",
+    "loan_to_value",
+]

mortgage_utils-1.0.0/mortgage_utils/affordability.py

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+"""
+Affordability and LTV Calculations
+------------------------------------
+Built by OurNetHelps: https://ournethelps.com
+"""
+
+
+def max_affordable_loan(
+    gross_monthly_income: float,
+    monthly_debts: float,
+    annual_interest_rate: float,
+    loan_term_years: int,
+    max_dti: float = 43.0,
+) -> dict:
+    """
+    Calculate maximum affordable loan based on income and debts.
+
+    Args:
+        gross_monthly_income: Borrower's gross monthly income
+        monthly_debts: Existing monthly debt obligations
+        annual_interest_rate: Annual interest rate (e.g. 6.5 for 6.5%)
+        loan_term_years: Loan term in years
+        max_dti: Maximum back-end DTI allowed (default 43%)
+
+    Returns:
+        dict with max_monthly_payment, estimated_loan_amount, max_dti_used
+
+    Raises:
+        ValueError: If gross_monthly_income is zero or negative
+    """
+    if gross_monthly_income <= 0:
+        raise ValueError("Gross monthly income must be greater than zero.")
+
+    max_monthly_debt = (gross_monthly_income * max_dti) / 100
+    max_monthly_payment = round(max_monthly_debt - monthly_debts, 2)
+
+    if max_monthly_payment <= 0:
+        return {
+            "max_monthly_payment": 0,
+            "estimated_loan_amount": 0,
+            "max_dti_used": max_dti,
+            "message": "Existing debts exceed the maximum DTI threshold.",
+        }
+
+    monthly_rate = annual_interest_rate / 100 / 12
+    n = loan_term_years * 12
+
+    if monthly_rate == 0:
+        estimated_loan = max_monthly_payment * n
+    else:
+        estimated_loan = (
+            max_monthly_payment
+            * ((1 + monthly_rate) ** n - 1)
+            / (monthly_rate * (1 + monthly_rate) ** n)
+        )
+
+    return {
+        "max_monthly_payment": max_monthly_payment,
+        "estimated_loan_amount": round(estimated_loan, 2),
+        "max_dti_used": max_dti,
+        "gross_monthly_income": gross_monthly_income,
+        "monthly_debts": monthly_debts,
+    }
+
+
+def loan_to_value(loan_amount: float, property_value: float) -> dict:
+    """
+    Calculate LTV (Loan-to-Value Ratio).
+
+    Args:
+        loan_amount: Total loan amount in dollars
+        property_value: Appraised property value in dollars
+
+    Returns:
+        dict with ltv, percentage, requires_pmi, down_payment, status, guideline
+
+    Raises:
+        ValueError: If property_value is zero or negative
+    """
+    if property_value <= 0:
+        raise ValueError("Property value must be greater than zero.")
+
+    ltv = loan_amount / property_value
+    percentage = round(ltv * 100, 2)
+
+    if percentage <= 80:
+        status = "good"
+    elif percentage <= 95:
+        status = "caution"
+    else:
+        status = "high"
+
+    return {
+        "ltv": round(ltv, 4),
+        "percentage": percentage,
+        "requires_pmi": percentage > 80,
+        "down_payment": round(property_value - loan_amount, 2),
+        "status": status,
+        "guideline": "LTV 80% or less avoids PMI requirement",
+    }

mortgage_utils-1.0.0/mortgage_utils/amortization.py

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+"""
+Amortization Calculations
+--------------------------
+Monthly payment and full amortization schedule.
+
+Built by OurNetHelps: https://ournethelps.com
+"""
+
+
+def monthly_payment(
+    loan_amount: float,
+    annual_interest_rate: float,
+    loan_term_years: int,
+) -> dict:
+    """
+    Calculate monthly mortgage payment (Principal + Interest only).
+
+    Args:
+        loan_amount: Total loan amount in dollars
+        annual_interest_rate: Annual interest rate (e.g. 6.5 for 6.5%)
+        loan_term_years: Loan term in years (e.g. 30)
+
+    Returns:
+        dict with monthly_payment, total_payment, total_interest,
+        loan_amount, annual_interest_rate, loan_term_years
+
+    Raises:
+        ValueError: If loan_amount or loan_term_years is invalid
+    """
+    if loan_amount <= 0:
+        raise ValueError("Loan amount must be greater than zero.")
+    if annual_interest_rate < 0:
+        raise ValueError("Interest rate cannot be negative.")
+    if loan_term_years <= 0:
+        raise ValueError("Loan term must be greater than zero.")
+
+    monthly_rate = annual_interest_rate / 100 / 12
+    n = loan_term_years * 12
+
+    if monthly_rate == 0:
+        payment = loan_amount / n
+    else:
+        payment = (
+            loan_amount
+            * (monthly_rate * (1 + monthly_rate) ** n)
+            / ((1 + monthly_rate) ** n - 1)
+        )
+
+    total_payment = payment * n
+    total_interest = total_payment - loan_amount
+
+    return {
+        "monthly_payment": round(payment, 2),
+        "total_payment": round(total_payment, 2),
+        "total_interest": round(total_interest, 2),
+        "loan_amount": loan_amount,
+        "annual_interest_rate": annual_interest_rate,
+        "loan_term_years": loan_term_years,
+    }
+
+
+def amortization_schedule(
+    loan_amount: float,
+    annual_interest_rate: float,
+    loan_term_years: int,
+) -> list:
+    """
+    Generate full amortization schedule.
+
+    Args:
+        loan_amount: Total loan amount in dollars
+        annual_interest_rate: Annual interest rate (e.g. 6.5 for 6.5%)
+        loan_term_years: Loan term in years
+
+    Returns:
+        List of dicts with month, payment, principal, interest, balance
+    """
+    result = monthly_payment(loan_amount, annual_interest_rate, loan_term_years)
+    payment = result["monthly_payment"]
+    monthly_rate = annual_interest_rate / 100 / 12
+    n = loan_term_years * 12
+
+    balance = loan_amount
+    schedule = []
+
+    for month in range(1, n + 1):
+        interest_payment = round(balance * monthly_rate, 2)
+        principal_payment = round(payment - interest_payment, 2)
+        balance = max(0, round(balance - principal_payment, 2))
+
+        schedule.append({
+            "month": month,
+            "payment": round(payment, 2),
+            "principal": principal_payment,
+            "interest": interest_payment,
+            "balance": balance,
+        })
+
+    return schedule

mortgage_utils-1.0.0/mortgage_utils/dti.py

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+"""
+DTI (Debt-to-Income) Calculations
+----------------------------------
+Used by mortgage brokers to assess borrower qualification.
+Standard guidelines: Front-end DTI <= 28%, Back-end DTI <= 43%
+
+Built by OurNetHelps: https://ournethelps.com
+"""
+
+
+def _get_front_status(pct: float) -> str:
+    if pct <= 28:
+        return "good"
+    elif pct <= 36:
+        return "caution"
+    return "high"
+
+
+def _get_back_status(pct: float) -> str:
+    if pct <= 36:
+        return "good"
+    elif pct <= 43:
+        return "caution"
+    return "high"
+
+
+def front_end_dti(monthly_housing_cost: float, gross_monthly_income: float) -> dict:
+    """
+    Calculate Front-End DTI (Housing Ratio).
+    Only includes housing-related costs vs gross income.
+
+    Args:
+        monthly_housing_cost: PITI (Principal + Interest + Tax + Insurance)
+        gross_monthly_income: Borrower's gross monthly income
+
+    Returns:
+        dict with ratio, percentage, status, label, guideline
+
+    Raises:
+        ValueError: If gross_monthly_income is zero or negative
+    """
+    if gross_monthly_income <= 0:
+        raise ValueError("Gross monthly income must be greater than zero.")
+
+    ratio = monthly_housing_cost / gross_monthly_income
+    percentage = round(ratio * 100, 2)
+
+    return {
+        "ratio": round(ratio, 4),
+        "percentage": percentage,
+        "status": _get_front_status(percentage),
+        "label": "Front-End DTI",
+        "guideline": "Recommended: 28% or less",
+    }
+
+
+def back_end_dti(
+    monthly_housing_cost: float,
+    monthly_debts: float,
+    gross_monthly_income: float,
+) -> dict:
+    """
+    Calculate Back-End DTI (Total Debt Ratio).
+    Includes all monthly debt obligations vs gross income.
+
+    Args:
+        monthly_housing_cost: PITI (Principal + Interest + Tax + Insurance)
+        monthly_debts: All other monthly debts (car, student loans, credit cards)
+        gross_monthly_income: Borrower's gross monthly income
+
+    Returns:
+        dict with ratio, percentage, total_monthly_debt, status, label, guideline
+
+    Raises:
+        ValueError: If gross_monthly_income is zero or negative
+    """
+    if gross_monthly_income <= 0:
+        raise ValueError("Gross monthly income must be greater than zero.")
+
+    total_debt = monthly_housing_cost + monthly_debts
+    ratio = total_debt / gross_monthly_income
+    percentage = round(ratio * 100, 2)
+
+    return {
+        "ratio": round(ratio, 4),
+        "percentage": percentage,
+        "total_monthly_debt": round(total_debt, 2),
+        "status": _get_back_status(percentage),
+        "label": "Back-End DTI",
+        "guideline": "Recommended: 43% or less (FHA allows up to 50%)",
+    }
+
+
+def dti_report(
+    monthly_housing_cost: float,
+    monthly_debts: float,
+    gross_monthly_income: float,
+) -> dict:
+    """
+    Full DTI Report - returns both front-end and back-end DTI.
+
+    Args:
+        monthly_housing_cost: PITI monthly housing cost
+        monthly_debts: All other monthly debt obligations
+        gross_monthly_income: Borrower's gross monthly income
+
+    Returns:
+        dict with front_end, back_end, qualified, summary
+    """
+    front = front_end_dti(monthly_housing_cost, gross_monthly_income)
+    back = back_end_dti(monthly_housing_cost, monthly_debts, gross_monthly_income)
+    qualified = front["status"] != "high" and back["status"] != "high"
+
+    return {
+        "front_end": front,
+        "back_end": back,
+        "qualified": qualified,
+        "summary": f"Front-End: {front['percentage']}% | Back-End: {back['percentage']}%",
+    }

mortgage_utils-1.0.0/mortgage_utils.egg-info/PKG-INFO

@@ -0,0 +1,171 @@
+Metadata-Version: 2.4
+Name: mortgage-utils
+Version: 1.0.0
+Summary: Lightweight Python utility library for mortgage calculations — DTI, amortization, affordability, LTV.
+Author-email: Sanjeev Kumar <contact@ournethelps.com>
+License: MIT
+Project-URL: Homepage, https://ournethelps.com
+Project-URL: Repository, https://github.com/sanjeevkumardev/mortgage-utils-py
+Project-URL: Bug Tracker, https://github.com/sanjeevkumardev/mortgage-utils-py/issues
+Keywords: mortgage,calculator,dti,debt-to-income,amortization,affordability,ltv,fintech,real-estate,home-loan,mortgage-broker
+Classifier: Development Status :: 5 - Production/Stable
+Classifier: Intended Audience :: Developers
+Classifier: License :: OSI Approved :: MIT License
+Classifier: Programming Language :: Python :: 3
+Classifier: Programming Language :: Python :: 3.8
+Classifier: Programming Language :: Python :: 3.9
+Classifier: Programming Language :: Python :: 3.10
+Classifier: Programming Language :: Python :: 3.11
+Classifier: Programming Language :: Python :: 3.12
+Classifier: Topic :: Office/Business :: Financial
+Classifier: Topic :: Software Development :: Libraries :: Python Modules
+Requires-Python: >=3.8
+Description-Content-Type: text/markdown
+
+# mortgage-utils
+
+> Lightweight Python utility library for mortgage calculations - DTI, amortization, affordability, and LTV.
+
+Built by **[OurNetHelps](https://ournethelps.com)** - mortgage tools for US mortgage brokers.
+
+---
+
+## Installation
+
+```bash
+pip install mortgage-utils
+```
+
+---
+
+## Features
+
+- DTI Calculator - front-end and back-end debt-to-income ratio
+- Amortization - monthly payment and full amortization schedule
+- Affordability - maximum loan amount based on income and debts
+- LTV - loan-to-value ratio with PMI threshold detection
+- Zero dependencies
+- Python 3.8 and above
+
+---
+
+## Usage
+
+### DTI (Debt-to-Income)
+
+```python
+from mortgage_utils import front_end_dti, back_end_dti, dti_report
+
+# Front-End DTI
+front = front_end_dti(monthly_housing_cost=1800, gross_monthly_income=7000)
+print(front)
+# {'ratio': 0.2571, 'percentage': 25.71, 'status': 'good', ...}
+
+# Back-End DTI
+back = back_end_dti(
+    monthly_housing_cost=1800,
+    monthly_debts=500,
+    gross_monthly_income=7000
+)
+print(back)
+# {'ratio': 0.3286, 'percentage': 32.86, 'status': 'good', ...}
+
+# Full DTI Report
+report = dti_report(
+    monthly_housing_cost=1800,
+    monthly_debts=500,
+    gross_monthly_income=7000
+)
+print(report['qualified'])  # True
+print(report['summary'])    # "Front-End: 25.71% | Back-End: 32.86%"
+```
+
+### Amortization
+
+```python
+from mortgage_utils import monthly_payment, amortization_schedule
+
+# Monthly Payment
+result = monthly_payment(
+    loan_amount=300000,
+    annual_interest_rate=6.5,
+    loan_term_years=30
+)
+print(result['monthly_payment'])  # 1896.20
+print(result['total_interest'])   # 382632.0
+
+# Full Amortization Schedule
+schedule = amortization_schedule(300000, 6.5, 30)
+print(schedule[0])
+# {'month': 1, 'payment': 1896.20, 'principal': 271.2, 'interest': 1625.0, 'balance': 299728.8}
+```
+
+### Affordability
+
+```python
+from mortgage_utils import max_affordable_loan, loan_to_value
+
+# Max Affordable Loan
+result = max_affordable_loan(
+    gross_monthly_income=8000,
+    monthly_debts=500,
+    annual_interest_rate=6.5,
+    loan_term_years=30
+)
+print(result['estimated_loan_amount'])  # max loan amount
+print(result['max_monthly_payment'])    # max monthly payment
+
+# LTV Ratio
+ltv = loan_to_value(loan_amount=320000, property_value=400000)
+print(ltv['percentage'])   # 80.0
+print(ltv['requires_pmi']) # False
+```
+
+---
+
+## API Reference
+
+### `front_end_dti(monthly_housing_cost, gross_monthly_income)`
+Returns front-end DTI with status (good / caution / high).
+
+### `back_end_dti(monthly_housing_cost, monthly_debts, gross_monthly_income)`
+Returns back-end DTI including all monthly debts.
+
+### `dti_report(monthly_housing_cost, monthly_debts, gross_monthly_income)`
+Returns full DTI report with qualified boolean and summary.
+
+### `monthly_payment(loan_amount, annual_interest_rate, loan_term_years)`
+Returns monthly P&I payment, total payment, and total interest.
+
+### `amortization_schedule(loan_amount, annual_interest_rate, loan_term_years)`
+Returns list of monthly payment breakdowns.
+
+### `max_affordable_loan(gross_monthly_income, monthly_debts, annual_interest_rate, loan_term_years, max_dti=43.0)`
+Returns max affordable loan amount based on income and DTI threshold.
+
+### `loan_to_value(loan_amount, property_value)`
+Returns LTV ratio, percentage, down payment, and PMI requirement flag.
+
+---
+
+## DTI Status Thresholds
+
+| Status | Front-End DTI | Back-End DTI |
+|--------|--------------|--------------|
+| good | 28% or less | 36% or less |
+| caution | 29% to 36% | 37% to 43% |
+| high | Above 36% | Above 43% |
+
+---
+
+## Related
+
+- [OurNetHelps](https://ournethelps.com) - mortgage tools for US mortgage brokers
+- [mortgage-utils on NPM](https://www.npmjs.com/package/mortgage-utils) - JavaScript version
+- [Live Mortgage Calculator](https://huggingface.co/spaces/sanjeevkumardev/mortgage-suite)
+
+---
+
+## License
+
+MIT © [Sanjeev Kumar](https://ournethelps.com)

mortgage_utils-1.0.0/mortgage_utils.egg-info/SOURCES.txt

@@ -0,0 +1,11 @@
+README.md
+pyproject.toml
+mortgage_utils/__init__.py
+mortgage_utils/affordability.py
+mortgage_utils/amortization.py
+mortgage_utils/dti.py
+mortgage_utils.egg-info/PKG-INFO
+mortgage_utils.egg-info/SOURCES.txt
+mortgage_utils.egg-info/dependency_links.txt
+mortgage_utils.egg-info/top_level.txt
+tests/test_mortgage_utils.py

mortgage_utils-1.0.0/mortgage_utils.egg-info/dependency_links.txt

@@ -0,0 +1 @@
+

mortgage_utils-1.0.0/mortgage_utils.egg-info/top_level.txt

@@ -0,0 +1 @@
+mortgage_utils

mortgage_utils-1.0.0/pyproject.toml

@@ -0,0 +1,46 @@
+[build-system]
+requires = ["setuptools>=61.0", "wheel"]
+build-backend = "setuptools.build_meta"
+
+[project]
+name = "mortgage-utils"
+version = "1.0.0"
+description = "Lightweight Python utility library for mortgage calculations — DTI, amortization, affordability, LTV."
+readme = "README.md"
+license = { text = "MIT" }
+authors = [
+    { name = "Sanjeev Kumar", email = "contact@ournethelps.com" }
+]
+keywords = [
+    "mortgage",
+    "calculator",
+    "dti",
+    "debt-to-income",
+    "amortization",
+    "affordability",
+    "ltv",
+    "fintech",
+    "real-estate",
+    "home-loan",
+    "mortgage-broker",
+]
+classifiers = [
+    "Development Status :: 5 - Production/Stable",
+    "Intended Audience :: Developers",
+    "License :: OSI Approved :: MIT License",
+    "Programming Language :: Python :: 3",
+    "Programming Language :: Python :: 3.8",
+    "Programming Language :: Python :: 3.9",
+    "Programming Language :: Python :: 3.10",
+    "Programming Language :: Python :: 3.11",
+    "Programming Language :: Python :: 3.12",
+    "Topic :: Office/Business :: Financial",
+    "Topic :: Software Development :: Libraries :: Python Modules",
+]
+requires-python = ">=3.8"
+dependencies = []
+
+[project.urls]
+Homepage = "https://ournethelps.com"
+Repository = "https://github.com/sanjeevkumardev/mortgage-utils-py"
+"Bug Tracker" = "https://github.com/sanjeevkumardev/mortgage-utils-py/issues"

mortgage_utils-1.0.0/setup.cfg

@@ -0,0 +1,4 @@
+[egg_info]
+tag_build = 
+tag_date = 0
+

mortgage_utils-1.0.0/tests/test_mortgage_utils.py

@@ -0,0 +1,85 @@
+"""
+Tests for mortgage-utils Python package
+Built by OurNetHelps — https://ournethelps.com
+"""
+import sys
+sys.path.insert(0, '..')
+
+from mortgage_utils import (
+    front_end_dti, back_end_dti, dti_report,
+    monthly_payment, amortization_schedule,
+    max_affordable_loan, loan_to_value,
+)
+
+passed = 0
+failed = 0
+
+def test(name, condition, expected=None, got=None):
+    global passed, failed
+    if condition:
+        print(f"  ✅ {name}")
+        passed += 1
+    else:
+        print(f"  ❌ {name} — expected {expected}, got {got}")
+        failed += 1
+
+print("\n📦 mortgage-utils Python — Test Suite\n")
+
+# DTI Tests
+print("🔢 DTI Calculations")
+
+r = front_end_dti(1800, 7000)
+test("front_end_dti percentage", r['percentage'] == 25.71, 25.71, r['percentage'])
+test("front_end_dti status good", r['status'] == 'good', 'good', r['status'])
+
+r = front_end_dti(2500, 5000)
+test("front_end_dti status high", r['status'] == 'high', 'high', r['status'])
+
+r = back_end_dti(1800, 500, 7000)
+test("back_end_dti percentage", r['percentage'] == 32.86, 32.86, r['percentage'])
+test("back_end_dti status good", r['status'] == 'good', 'good', r['status'])
+
+r = dti_report(1800, 500, 7000)
+test("dti_report qualified", r['qualified'] == True, True, r['qualified'])
+test("dti_report front_end", r['front_end']['percentage'] == 25.71, 25.71, r['front_end']['percentage'])
+test("dti_report back_end", r['back_end']['percentage'] == 32.86, 32.86, r['back_end']['percentage'])
+
+r = dti_report(3000, 1500, 6000)
+test("dti_report not qualified", r['qualified'] == False, False, r['qualified'])
+
+# Amortization Tests
+print("\n🏠 Amortization Calculations")
+
+r = monthly_payment(300000, 6.5, 30)
+test("monthly_payment amount", r['monthly_payment'] == 1896.20, 1896.20, r['monthly_payment'])
+test("monthly_payment total_interest positive", r['total_interest'] > 0)
+
+r = monthly_payment(120000, 0, 10)
+test("monthly_payment zero interest", r['monthly_payment'] == 1000.0, 1000.0, r['monthly_payment'])
+
+schedule = amortization_schedule(300000, 6.5, 30)
+test("amortization schedule length", len(schedule) == 360, 360, len(schedule))
+test("amortization first month", schedule[0]['month'] == 1)
+test("amortization balance reduces", schedule[0]['balance'] < 300000)
+
+# Affordability Tests
+print("\n💰 Affordability and LTV")
+
+r = max_affordable_loan(8000, 500, 6.5, 30)
+test("max_affordable_loan positive", r['estimated_loan_amount'] > 0)
+test("max_affordable_loan payment", r['max_monthly_payment'] == 2940.0, 2940.0, r['max_monthly_payment'])
+
+r = max_affordable_loan(5000, 3000, 6.5, 30)
+test("max_affordable_loan debts exceed", r['estimated_loan_amount'] == 0, 0, r['estimated_loan_amount'])
+
+r = loan_to_value(320000, 400000)
+test("ltv percentage", r['percentage'] == 80.0, 80.0, r['percentage'])
+test("ltv no pmi at 80", r['requires_pmi'] == False, False, r['requires_pmi'])
+test("ltv down payment", r['down_payment'] == 80000.0, 80000.0, r['down_payment'])
+
+r = loan_to_value(380000, 400000)
+test("ltv pmi required above 80", r['requires_pmi'] == True, True, r['requires_pmi'])
+
+print(f"\n📊 Results: {passed} passed, {failed} failed\n")
+if failed > 0:
+    sys.exit(1)