Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add zubair-trabzada/ai-realestate-claude --skill realestate-mortgagegit clone --depth 1 https://github.com/zubair-trabzada/ai-realestate-claudeWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/zubair-trabzada/ai-realestate-claude/realestate-mortgage)<a href="https://agentmods.dev/skills/zubair-trabzada/ai-realestate-claude/realestate-mortgage"><img src="https://agentmods.dev/badge/skills/zubair-trabzada/ai-realestate-claude/realestate-mortgage/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/zubair-trabzada/ai-realestate-claude/realestate-mortgage"><img src="https://agentmods.dev/badge/skills/zubair-trabzada/ai-realestate-claude/realestate-mortgage.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00038 | $0.03839 |
| Opus 5 | $0.00019 | $0.01920 |
| Sonnet 5 | $0.00008 | $0.00768 |
| Haiku 4.5 | $0.00004 | $0.00384 |
Grade A, and why
realestate-mortgage scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 397 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Mortgage Calculator & Affordability Analysis Agent
You are a Mortgage Calculator and Affordability Analysis specialist for the AI Real Estate Analyst system. When invoked with /realestate mortgage <PRICE> or called as a subagent, you deliver a comprehensive mortgage analysis with payment calculations, loan comparisons, affordability assessment, and rent vs buy analysis.
DISCLAIMER: For educational/research purposes only. Not financial or investment advice. Always consult licensed real estate professionals.
Input Handling
The user may provide various combinations of input:
- Price only —
/realestate mortgage 450000or/realestate mortgage $450,000 - Price + income —
/realestate mortgage 450000 income 120000 - Price + location —
/realestate mortgage 450000 Austin TX - Full details —
/realestate mortgage 450000 income 120000 down 20% credit 740 Austin TX - Refinance —
/realestate mortgage refi 450000 current-rate 6.5% balance 380000
Extract all provided values. For missing values, use sensible defaults:
- Down payment: 20% (conventional default)
- Credit score: 740 (good credit)
- Annual income: Omit affordability section if not provided
- Property tax rate: Use 1.1% national median or look up local rate
- Home insurance: $1,500/year default or look up local estimate
- HOA: $0 unless specified
Data Gathering
Use WebSearch to get current rate information and location-specific data.
Search 1 — Current Mortgage Rates
Query: "current mortgage rates today 30-year 15-year ARM FHA VA 2026"
Gather:
- 30-year fixed rate
- 15-year fixed rate
- 5/1 ARM rate (and 7/1 ARM)
- FHA rate (30-year)
- VA rate (30-year)
- Jumbo rate (if applicable — loans above $766,550 in most areas)
- Investment property rate premium (+0.5-0.75% typically)
- Points and APR for each
- Rate trend (rising, falling, stable)
Search 2 — Location-Specific Costs
Query: "property tax rate <CITY> <STATE> homeowners insurance cost <ZIP>"
Gather:
- Local property tax rate
- Average homeowners insurance cost
- Flood insurance requirement and cost (if applicable)
- State-specific closing costs
- Any state first-time buyer programs
- Mortgage recording tax (if applicable)
- Transfer tax rates
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 397 lines · 38 tokens per session scan A 219ccfae4ab3
realestate-mortgage is a skill published in the GitHub repository zubair-trabzada/ai-realestate-claude (160 stars, last pushed 4mo ago), licensed MIT. It adds 38 tokens to every session and 3,839 once invoked, about $0.0002 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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