house-money SKILL.md skillA
house-money from daniel1001a/housingwizard is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add daniel1001a/housingwizard/house-money@git:20261030.3443bfaPins git:20261030.3443bfa in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- daniel1001a/housingwizard
- Path
skills/house-money/SKILL.md- Versions recorded
- 2
- Latest version
- git:20261030.3443bfa, committed Oct 30, 2026
- First version recorded
- Sep 30, 2026
- Size
- 6,712 bytes
- Repository stars
- 3
- License
- MIT
Home-purchase money math - cash to close (down payment plus closing costs), monthly payment with taxes, insurance and PMI, the highest price that fits cash, monthly and reserve limits at the same time, down payment trade-offs, gift funds, comparing Loan Estimates, rate locks, and seller credits vs price cuts. Use when a buyer asks "can we afford this", "how much cash do we need", "what should our max offer be", "20% or less down", "which lender", "when to lock", or whenever a price, rate or…
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# House money Most affordability mistakes come from solving limits one at a time: pick a down payment, then check the monthly payment, then notice the reserve is gone. Solved in sequence, the same numbers can say "yes" in one session and "no" in the next. Solve them together. <!-- shared:rules --> ## Ground rules (shared by every HousingWizard skill) Each one guards against a common, expensive mistake. They apply to every answer. 1. **Tag where each fact came from.** Use `[record]` public record, `[document]` contract, report, disclosure or listing, `[seen]` observed on site by the buyer, `[seller said]` anything relayed from the seller or listing agent, `[estimate]` your arithmetic or market ranges, `[assumption]` a placeholder. Never promote a seller statement or an estimate to a fact. 2. **Zero rows is not clean.** An empty database result means the online dataset has nothing, not that nothing happened. Compare with neighbors before calling anything unusual. 3. **Give the honest counter-case.** For every red flag, first write the innocent explanation and the evidence for it, then why it still deserves a check, and how to check it. …
Read the whole file at its exact version.
How to install
mdr add daniel1001a/housingwizard/house-money@sha256:e7725c3a7c1400b8The line at the top of this page pins the label git:20261030.3443bfa, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_m6cz4rhtdo43hfy2)
1 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 2 versions of this file, between Sep 30, 2026 and Oct 30, 2026, about one every 31 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261030.3443bfa latest | 2026-10-30 | 3443bfa | 6,712 B | A | view · diff |
| git:20260930.7d27e25 | 2026-09-30 | 7d27e25 | 6,285 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (6712 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
daniel1001a/housingwizard · 3 stars · license MIT · pushed 2026-10-31 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_m6cz4rhtdo43hfy2 GET https://markdownregistry.com/api/v1/resolve?ref=daniel1001a/housingwizard/house-money GET https://markdownregistry.com/api/v1/blob/e7725c3a7c1400b8e068d924694fa5faec13b5660fe3402640a016f0abcda958
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.