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Yebbo • Nationwide Home Roadmap + Livability Finder

Vertical layout • Enter income/debts/cash • Pick ZIP/neighborhood • Target $2,000/mo P&I with 20% down

Target P&I: $2,000

Down: 20%

Rate: 6.50%

Term: 30y

Location: —

1) Location (ZIP + Neighborhood)

ZIP Code (US)

City State (2-letter) Neighborhood (optional)

ZIP lookup uses Zippopotam.us (free). :contentReference[oaicite:4]{index=4}

2) Your Numbers (Vertical)

Gross Annual Income ($) Monthly Debts ($/mo) — minimum payments Cash Saved Now ($) Monthly Savings Plan ($/mo) Target Mortgage Payment (P&I) ($/mo) Interest Rate (APR %) Loan Term (years) 30 25 20 15

3) Mortgage Math (20% Down)

Max Loan for Target P&I

$—

Calculated from rate + term + P&I

Max Home Price (20% down)

$—

Price ≈ Loan / 0.80

20% Down Payment Needed

$—

Down = 20% × Price

DTI (Est.) Using Debts + P&I

—%

Rule of thumb: ≤36% strong; 36–43% borderline; >43% high

Affordability Meter —

— This is a planning estimate, not underwriting.

4) Optional: Live City Indicators (Crime + Cost of Living + Housing)

To run this fully “nationwide by ZIP,” you’ll typically use: FBI Crime Data API (api.data.gov key) :contentReference[oaicite:5]{index=5} • BEA RPP (free BEA key) :contentReference[oaicite:6]{index=6} • Census ACS (API available) :contentReference[oaicite:7]{index=7}

api.data.gov key (for FBI crime) BEA API key (for RPP cost-of-living) Census API key (for ACS median home value)

Indicator	Value	Livable Rule
Violent crime rate (per 100k)	—	Prefer below U.S. avg; avoid high spikes
Cost of living index (BEA RPP; US=100)	—	Prefer ≤110; avoid very high
Median home value (ACS)	—	Prefer ≤ your Max Home Price
Livability verdict	—	You can tighten these thresholds anytime.

If you don’t add API keys, you can still use the mortgage math + roadmap. Live indicators require keys because the public endpoints are key-gated.

5) Roadmap Generator (Daily Tangible Actions)

Generate a 30-day daily checklist (repeat monthly)

This is designed to be measurable: you can check items off daily, weekly, and monthly.

Powered by Yebbo.com • Planning tool (not lending or legal advice)