Ask ValiFit
One box. Any real-estate question. The system classifies your intent across 13 categories, routes to the right data (parcels, listings, towns, agents, pipeline, methodology), and composes a direct answer with the underlying citations.
Based on your income of $180,000, you have two loan options: an FHA loan with a maximum price of $524,000 and a monthly payment of $3,989, or a Conventional loan with a maximum price of $766,000 and a monthly payment of $4,914. The Conventional loan requires a 20% down payment of $180,180, while the FHA loan requires a 3.5% down payment of $38,060. If you need more details or have specific preferences, feel free to ask!
Why: The question explicitly asks about loan options based on a specified income, which aligns with the affordability intent.
Buying power
Data sources
Raw structured response
{
"education_layer": {
"affordability": {
"scenarios": [
{
"loanType": "fha",
"loanLabel": "FHA",
"maxPrice": 524000,
"cashAtClosing": 38060,
"monthlyPayment": 3989,
"downPct": 0.035,
"rate": 0.0625
},
{
"loanType": "conventional",
"loanLabel": "Conventional 5%",
"maxPrice": 766000,
"cashAtClosing": 180180,
"monthlyPayment": 4914,
"downPct": 0.2,
"rate": 0.0625
}
],
"best_loan": {
"loanType": "conventional",
"loanLabel": "Conventional 5%",
"maxPrice": 766000,
"cashAtClosing": 180180,
"monthlyPayment": 4914,
"downPct": 0.2,
"rate": 0.0625
},
"rate_used": 0.0625,
"summary": "FHA: $524,000 · Conventional 5%: $766,000"
}
},
"parsed": {
"financials": {
"gross_income": 180000
}
},
"fallback_reason": "classifier missed income+savings — used by-text parser"
}