Crazy Ai Tool Niche – Closing Cost Calculator

June 27, 2025 Uncategorized Comments (0)

 

AI Closing Cost Calculator with Gemini API (Web Version)

Core Concept

We’ll build a web-based closing cost calculator that uses Gemini API directly in the browser to:

  1. Calculate standard closing costs

  2. Explain each cost component in simple terms

  3. Provide personalized tips

What You Need

  1. Google API key (free tier available)

  2. Basic HTML/JavaScript knowledge

  3. Web hosting (even GitHub Pages works)

Implementation Steps

1. Basic HTML Structure

html

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<!DOCTYPE html>
<html>
<head>
    <title>AI Closing Cost Calculator</title>
    <style>
        body { font-family: Arial, sans-serif; max-width: 800px; margin: 0 auto; padding: 20px; }
        .calculator { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
        .results { margin-top: 30px; border-top: 1px solid #ccc; padding-top: 20px; }
        .cost-item { cursor: pointer; padding: 8px; margin: 5px 0; border-radius: 4px; }
        .cost-item:hover { background-color: #f0f0f0; }
        #ai-response { margin-top: 20px; padding: 15px; background: #f8f8f8; border-radius: 5px; }
    </style>
</head>
<body>
    <h1>Smart Closing Cost Calculator</h1>
    <div class="calculator">
        <div>
            <h3>Enter Property Details</h3>
            <label>Home Price ($):</label>
            <input type="number" id="homePrice" value="300000">
            
            <label>Loan Amount ($):</label>
            <input type="number" id="loanAmount" value="240000">
            
            <label>State:</label>
            <select id="state">
                <option value="CA">California</option>
                <option value="TX">Texas</option>
                <option value="FL">Florida</option>
                <option value="NY">New York</option>
            </select>
            
            <button onclick="calculateCosts()">Calculate</button>
        </div>
        
        <div>
            <h3>Additional Options</h3>
            <label>Are you a first-time homebuyer?</label>
            <select id="experience">
                <option value="first-time">Yes, first-time</option>
                <option value="experienced">No, experienced</option>
            </select>
            
            <label>Loan Type:</label>
            <select id="loanType">
                <option value="conventional">Conventional</option>
                <option value="FHA">FHA</option>
                <option value="VA">VA</option>
            </select>
        </div>
    </div>
    
    <div class="results" id="results" style="display:none;">
        <h2>Estimated Closing Costs</h2>
        <div id="costBreakdown"></div>
        <div id="ai-response"></div>
    </div>
    
    <!-- Load Gemini API -->
    <script src="https://www.gstatic.com/generative-ai-web/gemini-web-v1.js"></script>
    <script src="app.js"></script>
</body>
</html>

2. JavaScript (app.js)

javascript

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// Initialize Gemini
const genAI = new GeminiWeb('YOUR_API_KEY');

// Basic cost calculations
function calculateBaseCosts() {
    const homePrice = parseFloat(document.getElementById('homePrice').value);
    const loanAmount = parseFloat(document.getElementById('loanAmount').value);
    const state = document.getElementById('state').value;
    
    return {
        lenderFees: loanAmount * 0.01, // 1%
        appraisal: 500, // Flat fee
        titleInsurance: homePrice * 0.002, // 0.2%
        escrow: homePrice * 0.002,
        recordingFees: state === 'CA' ? 150 : 100, // Varies by state
        transferTax: calculateTransferTax(state, homePrice),
        total: function() {
            return this.lenderFees + this.appraisal + this.titleInsurance + 
                   this.escrow + this.recordingFees + this.transferTax;
        }
    };
}

function calculateTransferTax(state, price) {
    const rates = {
        'CA': 0.0011,
        'TX': 0.0015,
        'FL': 0.0007,
        'NY': 0.004
    };
    return price * (rates[state] || 0.001);
}

// Display results
function displayResults(costs) {
    const breakdown = document.getElementById('costBreakdown');
    breakdown.innerHTML = '';
    
    for (const [key, value] of Object.entries(costs)) {
        if (typeof value !== 'function') {
            const item = document.createElement('div');
            item.className = 'cost-item';
            item.innerHTML = `<strong>${formatName(key)}:</strong> $${value.toFixed(2)}`;
            item.onclick = () => explainCost(key);
            breakdown.appendChild(item);
        }
    }
    
    const total = document.createElement('div');
    total.className = 'cost-item total';
    total.innerHTML = `<strong>TOTAL ESTIMATED COSTS:</strong> $${costs.total().toFixed(2)}`;
    breakdown.appendChild(total);
    
    document.getElementById('results').style.display = 'block';
    explainContext();
}

function formatName(key) {
    return key.replace(/([A-Z])/g, ' $1').replace(/^./, str => str.toUpperCase());
}

// Main calculation function
function calculateCosts() {
    const costs = calculateBaseCosts();
    displayResults(costs);
}

// AI Explanation Functions
async function explainCost(costItem) {
    const homePrice = document.getElementById('homePrice').value;
    const state = document.getElementById('state').value;
    const experience = document.getElementById('experience').value;
    
    const prompt = `Explain ${costItem} in home closing to ${experience} buyer in ${state} for $${homePrice} home. 
    Keep it under 3 sentences. Include if negotiable and typical range.`;
    
    const response = await genAI.generateText(prompt);
    document.getElementById('ai-response').innerHTML = 
        `<h3>About ${formatName(costItem)}</h3><p>${response}</p>`;
}

async function explainContext() {
    const inputs = {
        price: document.getElementById('homePrice').value,
        loan: document.getElementById('loanAmount').value,
        state: document.getElementById('state').value,
        type: document.getElementById('loanType').value,
        experience: document.getElementById('experience').value
    };
    
    const prompt = `Give 2-3 brief tips for ${inputs.experience} buyer getting ${inputs.type} loan in ${inputs.state} 
    for $${inputs.price} home with $${inputs.loan} loan. Focus on closing cost savings.`;
    
    const response = await genAI.generateText(prompt);
    document.getElementById('ai-response').innerHTML += 
        `<h3>Personalized Tips</h3><p>${response}</p>`;
}

How It Works

  1. User Inputs:

    • Home price, loan amount, location, and loan type

    • Experience level (first-time vs experienced buyer)

  2. Basic Calculations:

    • Standard formulas for common closing costs

    • State-specific adjustments

  3. AI Enhancements:

    • Click any cost item for instant explanation

    • Automatic personalized tips based on inputs

    • All explanations generated by Gemini in real-time

Deployment

  1. Get a Gemini API key from Google AI Studio

  2. Replace YOUR_API_KEY in the JavaScript

  3. Upload both files to any web hosting:

    • GitHub Pages

    • Netlify

    • Vercel

    • Traditional web host

Advanced Add-Ons (Optional)

  1. Save/Load Scenarios:

    javascript

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    function saveScenario() {
    const inputs = { /* collect form values */ };
    localStorage.setItem('lastScenario', JSON.stringify(inputs));
}

  2. More Detailed Calculations:

    javascript

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    function calculateLoanTypeAdjustments(baseCosts) {
    const type = document.getElementById('loanType').value;
    if (type === 'FHA') baseCosts.lenderFees *= 1.5;
    if (type === 'VA') baseCosts.lenderFees *= 0.8;
}

  3. Market Data Comparison:

    javascript

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    async function getLocalAverages() {
    const prompt = `Give average ${document.getElementById('state').value} closing costs for ${
        document.getElementById('homePrice').value} home as bullet points`;
    // Call Gemini...
}

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