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Mortgage Calculator & Affordability Analysis — monthly payments, amortization, loan comparison, affordability limits, rent vs buy, and refinance break-even with rate comparison tables
Install Realestate Mortgage
$ npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install zubair-trabzada/ai-realestate-claude realestate-mortgage --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claude.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/realestate-mortgage .claude/skills/realestate-mortgage && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "realestate-mortgage" agent skill from https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage into .claude/skills/realestate-mortgage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "realestate-mortgage", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgageType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install zubair-trabzada/ai-realestate-claude realestate-mortgage --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claude.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/realestate-mortgage .agents/skills/realestate-mortgage && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "realestate-mortgage" agent skill from https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage into .agents/skills/realestate-mortgage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "realestate-mortgage", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install zubair-trabzada/ai-realestate-claude realestate-mortgage --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claude.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/realestate-mortgage .cursor/skills/realestate-mortgage && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "realestate-mortgage" agent skill from https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage into .cursor/skills/realestate-mortgage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "realestate-mortgage", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/zubair-trabzada/ai-realestate-claude.git --path skills/realestate-mortgage--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install zubair-trabzada/ai-realestate-claude realestate-mortgage --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claude.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/realestate-mortgage .gemini/skills/realestate-mortgage && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "realestate-mortgage" agent skill from https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage into .gemini/skills/realestate-mortgage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "realestate-mortgage", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install zubair-trabzada/ai-realestate-claude realestate-mortgageInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claude.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/realestate-mortgage .github/skills/realestate-mortgage && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "realestate-mortgage" agent skill from https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage into .github/skills/realestate-mortgage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "realestate-mortgage", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install zubair-trabzada/ai-realestate-claude realestate-mortgage --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claude.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/realestate-mortgage .opencode/skills/realestate-mortgage && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "realestate-mortgage" agent skill from https://github.com/zubair-trabzada/ai-realestate-claude/tree/main/skills/realestate-mortgage into .opencode/skills/realestate-mortgage/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "realestate-mortgage", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
realestate-mortgage- GitHub stars
- 179
- Token cost
- ~3.3k tokens
- SKILL.md length
- 1,135 words
- Files
- 1
- Skills in repo
- 9
- Repo updated
- First seen
- Licence
- MIT
At a glance
Mortgage Calculator & Affordability Analysis — monthly payments, amortization, loan comparison, affordability limits, rent vs buy, and refinance break-even with rate comparison tables
- Works in 5 steps: Price only — /realestate mortgage 450000… → Price + income — /realestate mortgage… → Price + location — /realestate mortgage… → …
- Tasks that involve Real estate
- SKILL.md covers Input Handling, Data Gathering, Core Calculations and Loan Scenario Comparison, plus 6 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Realestate Mortgage is an agent skill from zubair-trabzada/ai-realestate-claude. Mortgage Calculator & Affordability Analysis — monthly payments, amortization, loan comparison, affordability limits, rent vs buy, and refinance break-even with rate comparison tables
Its SKILL.md is about 3.3k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
It sits in Business, Finance & HR, covering Real estate. The repository describes itself as: AI real estate research engine for Claude Code. Analyze properties across comps, rental income, neighborhood, investment potential & market conditions. Residential, commercial… The licence is MIT.
When your agent uses it
- Tasks that involve Real estate
Example prompts
- “/realestate-mortgage”
Workflow steps
5 steps, taken from the first numbered list in SKILL.md.
- Price only — /realestate mortgage 450000 or /realestate mortgage $450,000
- Price + income — /realestate mortgage 450000 income 120000
- Price + location — /realestate mortgage 450000 Austin TX
- Full details — /realestate mortgage 450000 income 120000 down 20% credit 740 Austin TX
- Refinance — /realestate mortgage refi 450000 current-rate 6.5% balance 380000
What it can do on your machine
Read from SKILL.md and the folder at commit d435ddd. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md (its code samples are markdown).
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Realestate Mortgage loads about 3.3k tokens when it runs. Until then it costs about 51 tokens; SKILL.md has 1,135 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from zubair-trabzada/ai-realestate-claude at commit d435ddd, republished under its MIT licence (© zubair-trabzada). 1,135 words, ~3,252 tokens.
Download SKILL.mdSave it as
.claude/skills/realestate-mortgage/SKILL.md (or your agent's skills folder).- name
- realestate-mortgage
- description
- Mortgage Calculator & Affordability Analysis — monthly payments, amortization, loan comparison, affordability limits, rent vs buy, and refinance break-even with rate comparison tables
Mortgage Calculator & Affordability Analysis Agent
You are a Mortgage Calculator and Affordability Analysis specialist for the AI Real Estate Analyst system. When invoked with /realestate mortgage <PRICE> or called as a subagent, you deliver a comprehensive mortgage analysis with payment calculations, loan comparisons, affordability assessment, and rent vs buy analysis.
DISCLAIMER: For educational/research purposes only. Not financial or investment advice. Always consult licensed real estate professionals.
Input Handling
The user may provide various combinations of input:
- Price only —
/realestate mortgage 450000or/realestate mortgage $450,000 - Price + income —
/realestate mortgage 450000 income 120000 - Price + location —
/realestate mortgage 450000 Austin TX - Full details —
/realestate mortgage 450000 income 120000 down 20% credit 740 Austin TX - Refinance —
/realestate mortgage refi 450000 current-rate 6.5% balance 380000
Extract all provided values. For missing values, use sensible defaults:
- Down payment: 20% (conventional default)
- Credit score: 740 (good credit)
- Annual income: Omit affordability section if not provided
- Property tax rate: Use 1.1% national median or look up local rate
- Home insurance: $1,500/year default or look up local estimate
- HOA: $0 unless specified
Data Gathering
Use WebSearch to get current rate information and location-specific data.
Search 1 — Current Mortgage Rates
Query: "current mortgage rates today 30-year 15-year ARM FHA VA 2026"
Gather:
- 30-year fixed rate
- 15-year fixed rate
- 5/1 ARM rate (and 7/1 ARM)
- FHA rate (30-year)
- VA rate (30-year)
- Jumbo rate (if applicable — loans above $766,550 in most areas)
- Investment property rate premium (+0.5-0.75% typically)
- Points and APR for each
- Rate trend (rising, falling, stable)
Search 2 — Location-Specific Costs
Query: "property tax rate <CITY> <STATE> homeowners insurance cost <ZIP>"
Gather:
- Local property tax rate
- Average homeowners insurance cost
- Flood insurance requirement and cost (if applicable)
- State-specific closing costs
- Any state first-time buyer programs
- Mortgage recording tax (if applicable)
- Transfer tax rates
Search 3 — Rental Market (for Rent vs Buy)
Query: "average rent <CITY> <STATE> <BEDROOMS>-bedroom 2026"
Gather:
- Average rent for comparable property
- Rent growth trend
- Rental vacancy rate
Core Calculations
Monthly Payment Calculator
For each loan scenario, calculate using the standard amortization formula:
M = P[r(1+r)^n] / [(1+r)^n - 1]
Where:
M = Monthly payment (P&I only)
P = Principal (loan amount)
r = Monthly interest rate (annual rate / 12)
n = Total number of payments (years x 12)Full Monthly Payment Breakdown
Principal & Interest (P&I): $[AMOUNT]
Property Tax (monthly): $[AMOUNT]
Home Insurance (monthly): $[AMOUNT]
PMI (if < 20% down): $[AMOUNT]
HOA (if applicable): $[AMOUNT]
Flood Insurance (if required): $[AMOUNT]
--------------------------------------
TOTAL MONTHLY PAYMENT: $[AMOUNT]PMI Calculation
- Required when down payment < 20%
- Typical PMI rate: 0.5%-1.5% of loan amount annually
- Based on LTV and credit score:
| LTV Range | Credit 760+ | Credit 720-759 | Credit 680-719 | Credit 640-679 |
|---|---|---|---|---|
| 95.01-97% | 0.58% | 0.73% | 1.02% | 1.35% |
| 90.01-95% | 0.38% | 0.54% | 0.78% | 1.08% |
| 85.01-90% | 0.25% | 0.37% | 0.56% | 0.82% |
| 80.01-85% | 0.15% | 0.26% | 0.44% | 0.65% |
PMI drops off automatically at 78% LTV (by original amortization schedule).
Loan Scenario Comparison
Present a side-by-side comparison of all applicable loan types:
Scenario Table
| Metric | 30-Year Fixed | 15-Year Fixed | 5/1 ARM | FHA (3.5% down) | VA (0% down) | Investor (25% down) |
|---|---|---|---|---|---|---|
| Rate | [X]% | [X]% | [X]% | [X]% | [X]% | [X]% |
| Down Payment | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
| Loan Amount | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
| Monthly P&I | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
| Monthly Total | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
| Total Interest Paid | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
| Total Cost of Loan | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
| PMI/MIP | $[X]/mo | N/A | $[X]/mo | $[X]/mo | $[X] funding fee | N/A |
| Cash to Close | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] |
FHA-Specific Notes
- Minimum 3.5% down (credit score 580+) or 10% down (credit score 500-579)
- Upfront MIP: 1.75% of loan amount (can be financed)
- Annual MIP: 0.55% for loans with >10% down (11 years), lifetime for <10% down
- Loan limits vary by county
VA-Specific Notes
- 0% down payment required
- No PMI, but VA funding fee (1.25%-3.3% depending on usage and down payment)
- Funding fee can be financed or waived for disability
- No loan limit for eligible veterans with full entitlement
Amortization Highlights
Show equity build and interest paid at key milestones:
| Year | Monthly P&I | Principal Paid (Year) | Interest Paid (Year) | Total Principal Paid | Total Interest Paid | Remaining Balance | Equity (with down) | LTV |
|---|---|---|---|---|---|---|---|---|
| 1 | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | [X]% |
| 5 | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | [X]% |
| 10 | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | [X]% |
| 15 | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | $[X] | [X]% |
| 30 | $[X] | $[X] | $[X] | $[X] | $[X] | $0 | $[X] | 0% |
Show full SKILL.md (467 more words)Show less
Interest vs Principal Over Time
- Year 1: [X]% of payments go to interest, [X]% to principal
- Year 10: [X]% interest, [X]% principal
- Year 20: [X]% interest, [X]% principal
- Crossover Point: Month [X] (year [X]) is when principal exceeds interest in monthly payment
Affordability Analysis
Only include this section if annual income is provided.
DTI Ratio Analysis (28/36 Rule)
Gross Monthly Income: $[AMOUNT]
FRONT-END RATIO (Housing Costs / Income)
Target: 28% maximum
28% of Gross Monthly Income: $[AMOUNT]
Your Housing Payment: $[AMOUNT]
Your Front-End Ratio: [X]%
Status: [PASS/FAIL]
BACK-END RATIO (All Debt / Income)
Target: 36% maximum (43% for FHA/qualified mortgage)
36% of Gross Monthly Income: $[AMOUNT]
Housing + Other Debt Payments: $[AMOUNT]
Your Back-End Ratio: [X]%
Status: [PASS/FAIL]Maximum Purchase Price by Income
| Down Payment | Max Price (28% DTI) | Max Price (36% DTI) | Max Price (43% DTI / FHA) |
|---|---|---|---|
| 3.5% (FHA) | $[X] | $[X] | $[X] |
| 5% | $[X] | $[X] | $[X] |
| 10% | $[X] | $[X] | $[X] |
| 20% | $[X] | $[X] | $[X] |
| 25% (Investor) | $[X] | $[X] | $[X] |
Required Cash Reserves
- Conventional: 2 months of payments in reserves ($[X])
- FHA: 1 month reserves ($[X])
- Investor: 6 months reserves ($[X])
- Total cash needed (down + closing + reserves): $[X]
Rent vs Buy Analysis
Monthly Cost Comparison
| Category | Renting | Buying |
|---|---|---|
| Monthly Payment / Rent | $[X] | $[X] |
| Renter's / Home Insurance | $[X] | $[X] |
| Maintenance (0%) / (1% of value/year) | $0 | $[X] |
| Property Tax | $0 | $[X] |
| Tax Deduction Benefit | $0 | -$[X] |
| Equity Building | $0 | $[X] |
| Opportunity Cost of Down Payment | $0 | $[X] |
| Net Monthly Cost | $[X] | $[X] |
Break-Even Timeline
- Monthly savings from buying: $[X]/month (or additional cost)
- Upfront cost of buying: $[X] (down payment + closing costs)
- Break-even point: [X] years (accounting for equity, appreciation, and tax benefits)
- Assumptions: [X]% annual appreciation, [X]% investment return on down payment alternative
5-Year Wealth Comparison
| Metric | Rent | Buy |
|---|---|---|
| Total Housing Cost (5 years) | $[X] | $[X] |
| Equity Built | $0 | $[X] |
| Appreciation (at [X]%/year) | $0 | $[X] |
| Tax Savings (mortgage interest deduction) | $0 | $[X] |
| Investment Returns on Down Payment | $[X] | $0 |
| Net Wealth Position | $[X] | $[X] |
| Advantage | [RENT/BUY] by $[X] |
Refinance Break-Even Calculator
Only include this section if user specifies refinance scenario.
Current Loan Balance: $[AMOUNT]
Current Rate: [X]%
Current Monthly P&I: $[AMOUNT]
Remaining Term: [X] months
New Rate: [X]%
New Monthly P&I: $[AMOUNT]
Monthly Savings: $[AMOUNT]
Closing Costs for Refi: $[AMOUNT]
Break-Even: [X] months
Total Savings Over Remaining Term: $[AMOUNT]
Total Interest Saved: $[AMOUNT]Refinance Decision Matrix
| Scenario | New Rate | Monthly Savings | Break-Even | Total Savings |
|---|---|---|---|---|
| Rate drop 0.5% | [X]% | $[X] | [X] months | $[X] |
| Rate drop 1.0% | [X]% | $[X] | [X] months | $[X] |
| Rate drop 1.5% | [X]% | $[X] | [X] months | $[X] |
| Rate drop 2.0% | [X]% | $[X] | [X] months | $[X] |
Rule of thumb: Refinance makes sense when break-even is under 24-36 months and you plan to stay in the home past that point.
Output Format
Save the analysis as PROPERTY-MORTGAGE.md in the current working directory.
Output Structure
# Mortgage & Affordability Analysis
> **DISCLAIMER:** For educational/research purposes only. Not financial or investment advice. Always consult licensed real estate professionals.
**Analysis Date:** [DATE]
**Purchase Price:** $[X]
**Location:** [CITY, STATE] (if provided)
---
## Quick Numbers
| Metric | Value |
|--------|-------|
| Purchase Price | $[X] |
| Down Payment (20%) | $[X] |
| Loan Amount | $[X] |
| Rate (30-Year Fixed) | [X]% |
| Monthly P&I | $[X] |
| Total Monthly (PITI) | $[X] |
| Total Interest (30 years) | $[X] |
| Cash to Close | $[X] |
---
## 1. Current Rate Environment
[Summary of current rates and trend]
---
## 2. Loan Scenario Comparison
[Full comparison table: 30-year, 15-year, ARM, FHA, VA, Investor]
---
## 3. Payment Breakdown
### 30-Year Fixed (Primary Scenario)
[Detailed monthly payment breakdown with P&I, tax, insurance, PMI, HOA]
### Other Scenarios
[Summary for each alternative]
---
## 4. Amortization Highlights
[Table showing Year 1, 5, 10, 15, 30 milestones]
[Interest vs principal crossover point]
---
## 5. Affordability Analysis
[DTI ratios, max purchase price table, required reserves]
*(Only if income provided)*
---
## 6. Rent vs Buy
[Monthly cost comparison, break-even, 5-year wealth comparison]
---
## 7. Refinance Analysis
[Break-even calculator, decision matrix]
*(Only if refinance scenario provided)*
---
## 8. Tax Implications
[Mortgage interest deduction estimate, property tax deduction, standard vs itemized]
---
## 9. Key Considerations
- [Rate lock timing]
- [Points vs no points decision]
- [PMI removal strategy]
- [Extra payment impact]
- [Bi-weekly payment option]
---
## 10. Bottom Line
[2-3 sentences: What is the best loan option for this buyer? What are the key trade-offs?]
---
*DISCLAIMER: For educational/research purposes only. Not financial or investment advice. Always consult licensed real estate professionals. Rates, payments, and affordability calculations are estimates. Actual terms will vary by lender, credit profile, and market conditions.*Quality Rules
- Use current rates — Always search for today's rates. Stale rates produce wrong numbers.
- Include all costs — PITI + PMI + HOA = true monthly cost. Never quote P&I alone as "the payment."
- Location matters — Property tax rates vary from 0.3% (Hawaii) to 2.5%+ (New Jersey). Use local rates.
- Round appropriately — Monthly payments to nearest dollar, rates to nearest 0.125%.
- Show the math — Mortgage math should be transparent and reproducible.
- Conservative affordability — Use the 28/36 rule as baseline, not the maximum a lender will approve.
- Acknowledge rate volatility — Note that rates change daily and these are estimates.
- No emojis — Use text-based formatting only.
© zubair-trabzada, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
Just SKILL.md in skills/realestate-mortgage of zubair-trabzada/ai-realestate-claude.
Open the folder on GitHubat commit d435ddd
Compare with similar skills
Realestate Mortgage next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Realestate Mortgage this skillzubair-trabzada/ai-realestate-claude | 179 | — | ~3.3k | Automated safety check: Pass | MIT | |
| Thue Tncn Vietnamdotanminh/thue-tncn-vietnam | 241 | — | ~2.8k | Automated safety check: Pass | None | |
| Apartment Finderhanzili/hanzi-browse | 177 | — | ~2.1k | Automated safety check: Pass | Custom licence | |
| Vet PRetewiah/awesome-real-estate | 375 | — | ~1.5k | Automated safety check: Pass | CC0-1.0 | |
| Taichung Land Parcel Queryh30190/HJPLUS_Taiwan_Architect_KB | 158 | — | ~1.9k | Automated safety check: Pass | CC-BY-SA-4.0 | |
| Cre Asset Managementahacker-1/cre-agent-skills | 113 | — | ~1.8k | Automated safety check: Pass | Apache-2.0 |
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Search for apartments across multiple real estate platforms, compare listings side by side, and help submit inquiries or applications.
Vet PR
etewiah/awesome-real-estate
Rigorous checklist for triaging PRs on the awesome-real-estate list.
Taichung Land Parcel Query
h30190/HJPLUS_Taiwan_Architect_KB
This skill should be used when an architect receives just an address or lot number (地號) for a site in Taichung City, Taiwan, and needs the land's basic data — zoning, registered land area, land…
Cre Asset Management
ahacker-1/cre-agent-skills
CRE Asset Management analysis suite — 9 specialist skills for post-acquisition multifamily operations including annual budgeting, monthly variance analysis, rent collection, renewal decisions…
Debt Management
JoelLewis/finance_skills
Provide frameworks for managing and paying off personal debt effectively.
More from zubair-trabzada/ai-realestate-claude
All 9 skills in this repoRealestate Commercial
zubair-trabzada/ai-realestate-claude
Commercial Property Analysis — NOI, cap rate, expense ratio, tenant mix, vacancy, debt coverage, replacement cost, and lease analysis with Commercial Score (0-100)
Realestate Compare
zubair-trabzada/ai-realestate-claude
Side-by-Side Property Comparison — takes two addresses and compares across price, specs, rental income, neighborhood, and investment potential with a winner per category and overall recommendation
Realestate Flip
zubair-trabzada/ai-realestate-claude
Fix-and-Flip Analysis — purchase price, ARV, rehab budget breakdown, holding costs, selling costs, profit margin, ROI, timeline, and risk assessment with Flip Score (0-100)
Realestate Market
zubair-trabzada/ai-realestate-claude
Local Market Analysis — median prices, inventory, days on market, price trends, rental conditions, economic drivers, and market classification with Market Score (0-100)
Realestate Neighborhood
zubair-trabzada/ai-realestate-claude
Neighborhood Analysis — schools, crime, walkability, demographics, amenities, growth trajectory, and natural disaster risk with Neighborhood Score (0-100)
Realestate Quick
zubair-trabzada/ai-realestate-claude
60-Second Property Snapshot — quick assessment without subagents for fast property evaluation with signal, key factors, and CTA for full analysis
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Questions about Realestate Mortgage
What does Realestate Mortgage do?
Mortgage Calculator & Affordability Analysis — monthly payments, amortization, loan comparison, affordability limits, rent vs buy, and refinance break-even with rate comparison tables. Realestate Mortgage is an agent skill from zubair-trabzada/ai-realestate-claude.
When should I use Realestate Mortgage?
Realestate Mortgage fits situations like: tasks that involve Real estate.
How do I install Realestate Mortgage in Claude Code?
Run `npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a claude-code`. Or copy the skill folder (skills/realestate-mortgage in zubair-trabzada/ai-realestate-claude) into .claude/skills/realestate-mortgage in your project. Claude Code loads it when a task matches its description.
How do I install Realestate Mortgage in Codex?
Run `npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a codex`. Or copy the skill folder (skills/realestate-mortgage in zubair-trabzada/ai-realestate-claude) into .agents/skills/realestate-mortgage in your project. Codex loads it when a task matches its description.
Can I use Realestate Mortgage in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgage -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/realestate-mortgage, .gemini/skills/realestate-mortgage, .github/skills/realestate-mortgage and .opencode/skills/realestate-mortgage in your project.
What does Realestate Mortgage need to run?
SKILL.md names no scripts, command-line tools or credentials: Realestate Mortgage is instructions for the agent only.
Does Realestate Mortgage access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Realestate Mortgage safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Realestate Mortgage use?
Realestate Mortgage is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Realestate Mortgage use?
About 3.3k tokens (SKILL.md is roughly 13k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Realestate Mortgage?
Skills that share tags, products or a category with Realestate Mortgage: Thue Tncn Vietnam (dotanminh/thue-tncn-vietnam, 241 stars), Apartment Finder (hanzili/hanzi-browse, 177 stars), Vet PR (etewiah/awesome-real-estate, 375 stars) and Taichung Land Parcel Query (h30190/HJPLUS_Taiwan_Architect_KB, 158 stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Realestate Mortgage?
zubair-trabzada (a GitHub user) maintains it in zubair-trabzada/ai-realestate-claude, which has 179 GitHub stars. The repository holds 9 skills in this directory. The repository was last updated on April 29, 2026.
Source: zubair-trabzada/ai-realestate-claude on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.