CT Homebuyers Program Wizard

A calculator application to help Connecticut first-time homebuyers understand their options with CHFA programs. The wizard calculates monthly mortgage payments (PITI), determines eligibility for CHFA programs (Time to Own, DAP), factors in rental income for multi-family purchases, and allows side-by-side comparison of different scenarios across regions and property types. Key features include: - Full PITI mortgage payment calculator (principal, interest, taxes, insurance, PMI, HOA) - CHFA Time to Own eligibility checker with 9 planning regions and AMI limits - CHFA Conventional loan eligibility check - Multi-family rental income factoring (configurable rental income factor) - Minimum/maximum payment requirement validation - Cash needed calculator with Time to Own assistance offset - Scenario comparison tool (single-family vs duplex, different towns, with/without assistance) - Complete CT town-to-region mapping (169 towns across 9 planning regions) - Visual payment breakdown charts via Recharts