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Construct Mortgage Buydown & DTI Calculation Engine

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Linked challenge: Home Builder Conversion & Mortgage Rate Buydown Optimizer

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Linked challenge
Home Builder Conversion & Mortgage Rate Buydown Optimizer

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Write a Python script that calculates monthly payment at market interest rate and under a 2-1 buydown schedule (2% lower in year 1, 1% lower in year 2). Compute subsidy cost.

Adaptation plan

Keep the source stable, then change the prompt in a predictable order so the next run is easier to evaluate.

Keep stable

Hold the task contract and output shape stable so generated implementations remain comparable.

Tune next

Update libraries, interfaces, and environment assumptions to match the stack you actually run.

Verify after

Test failure handling, edge cases, and any code paths that depend on hidden context or secrets.