Are You Ready to Buy a Home?
This comprehensive home-buying readiness assessment evaluates your preparedness across five critical areas: Financial Stability (income, debt-to-income ratio, employment history), Credit Health (credit score, payment history), Savings & Down Payment (emergency fund, down payment percentage), Lifestyle Readiness (location stability, life stage), and Market Knowledge (understanding of costs, mortgage options). Your overall readiness score ranges from 'Ready to Buy' to 'Start Preparing' with specific action items for each area needing improvement.
Try the Quiz
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export function homeBuyingReadinessQuiz(form: FormTs) {
form.setTitle(() => '🏠 Are You Ready to Buy a Home?');
// ========== STATE ==========
type CategoryKey = 'financial' | 'credit' | 'savings' | 'stability' | 'knowledge';
const scores = form.state<Record<CategoryKey, number>>({
financial: 0,
credit: 0,
savings: 0,
stability: 0,
knowledge: 0
});
// ========== SCORING FUNCTIONS ==========
const updateScore = (category: CategoryKey, points: number) => {
scores.update(current => ({
...current,
[category]: (current[category] || 0) + points
}));
};
const getTotalScore = () => {
const s = scores();
return (Object.values(s) as number[]).reduce((sum: number, val: number) => sum + val, 0);
};
const getMaxScore = () => 100;
const getScorePercentage = () => Math.round((getTotalScore() / getMaxScore()) * 100);
const getReadinessLevel = (): 'ready' | 'almost' | 'preparing' | 'building' | 'starting' => {
const pct = getScorePercentage();
if (pct >= 80) return 'ready';
if (pct >= 65) return 'almost';
if (pct >= 50) return 'preparing';
if (pct >= 35) return 'building';
return 'starting';
};
const getReadinessLabel = () => {
const level = getReadinessLevel();
const labels = {
ready: '🎉 Ready to Buy!',
almost: '📈 Almost There',
preparing: '🔧 Preparing Well',
building: '🏗️ Building Foundation',
starting: '🌱 Early Stage'
};
return labels[level];
};
const getReadinessDescription = () => {
const level = getReadinessLevel();
const descriptions = {
ready: 'Congratulations! You appear to be in a strong position to buy a home. You have the financial stability, savings, and knowledge to navigate the home buying process.',
almost: 'You\'re very close to being ready. Focus on strengthening your weaker areas, and you should be ready to buy within 3-6 months.',
preparing: 'You\'re making good progress. Keep building your savings and improving your credit. You could be ready in 6-12 months.',
building: 'You\'re laying the groundwork. Focus on the basics: emergency fund, credit improvement, and debt reduction. Plan for 12-18 months.',
starting: 'You\'re early in your home buying journey. Focus on financial fundamentals first: stable income, building credit, and starting to save.'
};
return descriptions[level];
};
const getCategoryScore = (category: CategoryKey) => {
const s = scores();
const maxPerCategory = 20;
return Math.round((s[category] / maxPerCategory) * 100);
};
const getWeakestArea = (): CategoryKey => {
const s = scores();
const entries = Object.entries(s) as [CategoryKey, number][];
const sorted = entries.sort((a, b) => a[1] - b[1]);
return sorted[0]?.[0] || 'savings';
};
const getCategoryLabel = (category: CategoryKey) => {
const labels: Record<CategoryKey, string> = {
financial: 'Income & Debt',
credit: 'Credit Score',
savings: 'Down Payment & Savings',
stability: 'Life Stability',
knowledge: 'Market Knowledge'
};
return labels[category];
};
// ========== COMPLETION SCREEN ==========
form.configureCompletionScreen({
type: 'text',
title: () => `🏠 ${getReadinessLabel()}`,
message: () => `Your home buying readiness score is ${getScorePercentage()}%. ${getReadinessDescription()} Check your email for your personalized action plan.`
});
// ========== PAGES ==========
const pages = form.addPages('quiz-pages', { heightMode: 'current-page' });
// ========== PAGE 1: Financial ==========
const page1 = pages.addPage('financial', { mobileBreakpoint: 500 });
page1.addRow(row => {
row.addTextPanel('header1', {
label: 'Step 1 of 6: Income & Debt',
computedValue: () => 'Let\'s assess your financial foundation',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page1.addSpacer({ height: '24px' });
page1.addRow(row => {
row.addRadioButton('income', {
label: 'How would you describe your income?',
options: [
{ id: 'stable', name: 'Stable salary for 2+ years' },
{ id: 'growing', name: 'Stable with recent growth' },
{ id: 'new', name: 'New job (less than 2 years)' },
{ id: 'variable', name: 'Variable/self-employed' },
{ id: 'unstable', name: 'Currently between jobs or unstable' }
],
orientation: 'vertical',
onValueChange: (v) => {
if (v === 'stable') updateScore('financial', 10);
else if (v === 'growing') updateScore('financial', 10);
else if (v === 'new') updateScore('financial', 6);
else if (v === 'variable') updateScore('financial', 5);
else if (v === 'unstable') updateScore('financial', 1);
}
});
});
page1.addRow(row => {
row.addRadioButton('dti', {
label: 'What\'s your debt-to-income ratio (monthly debt / monthly income)?',
options: [
{ id: 'low', name: 'Under 20% - minimal debt' },
{ id: 'moderate', name: '20-35% - manageable' },
{ id: 'high', name: '36-43% - getting tight' },
{ id: 'very_high', name: 'Over 43% - too much debt' },
{ id: 'unsure', name: 'Not sure' }
],
orientation: 'vertical',
tooltip: 'Lenders prefer DTI under 43%. Include car loans, student loans, credit cards, etc.',
onValueChange: (v) => {
if (v === 'low') updateScore('financial', 10);
else if (v === 'moderate') updateScore('financial', 8);
else if (v === 'high') updateScore('financial', 4);
else if (v === 'very_high') updateScore('financial', 1);
else if (v === 'unsure') updateScore('financial', 3);
}
});
});
// ========== PAGE 2: Credit ==========
const page2 = pages.addPage('credit', { mobileBreakpoint: 500 });
page2.addRow(row => {
row.addTextPanel('header2', {
label: 'Step 2 of 6: Credit Score',
computedValue: () => 'Credit affects your mortgage rate',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page2.addSpacer({ height: '24px' });
page2.addRow(row => {
row.addRadioButton('creditScore', {
label: 'What\'s your credit score?',
options: [
{ id: 'excellent', name: '760+ (Excellent)' },
{ id: 'good', name: '700-759 (Good)' },
{ id: 'fair', name: '650-699 (Fair)' },
{ id: 'poor', name: '600-649 (Poor)' },
{ id: 'bad', name: 'Below 600 (Very Poor)' },
{ id: 'unsure', name: 'I don\'t know my score' }
],
orientation: 'vertical',
onValueChange: (v) => {
if (v === 'excellent') updateScore('credit', 10);
else if (v === 'good') updateScore('credit', 8);
else if (v === 'fair') updateScore('credit', 5);
else if (v === 'poor') updateScore('credit', 3);
else if (v === 'bad') updateScore('credit', 1);
else if (v === 'unsure') updateScore('credit', 2);
}
});
});
page2.addRow(row => {
row.addRadioButton('creditHistory', {
label: 'Any negative credit events in the last 2 years?',
options: [
{ id: 'clean', name: 'No - clean credit history' },
{ id: 'minor', name: 'Minor late payments' },
{ id: 'major', name: 'Collections or charge-offs' },
{ id: 'bankruptcy', name: 'Bankruptcy or foreclosure' }
],
orientation: 'vertical',
onValueChange: (v) => {
if (v === 'clean') updateScore('credit', 10);
else if (v === 'minor') updateScore('credit', 6);
else if (v === 'major') updateScore('credit', 3);
else if (v === 'bankruptcy') updateScore('credit', 1);
}
});
});
// ========== PAGE 3: Savings ==========
const page3 = pages.addPage('savings', { mobileBreakpoint: 500 });
page3.addRow(row => {
row.addTextPanel('header3', {
label: 'Step 3 of 6: Down Payment & Savings',
computedValue: () => 'How much have you saved?',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page3.addSpacer({ height: '24px' });
page3.addRow(row => {
row.addRadioButton('downPayment', {
label: 'How much do you have saved for a down payment?',
options: [
{ id: 'twenty', name: '20%+ of target home price' },
{ id: 'fifteen', name: '10-20% of target price' },
{ id: 'ten', name: '5-10% of target price' },
{ id: 'low', name: '3-5% of target price' },
{ id: 'none', name: 'Less than 3%' }
],
orientation: 'vertical',
tooltip: '20% avoids PMI. 3-5% minimum for most loans.',
onValueChange: (v) => {
if (v === 'twenty') updateScore('savings', 10);
else if (v === 'fifteen') updateScore('savings', 8);
else if (v === 'ten') updateScore('savings', 6);
else if (v === 'low') updateScore('savings', 4);
else if (v === 'none') updateScore('savings', 1);
}
});
});
page3.addRow(row => {
row.addRadioButton('emergency', {
label: 'Do you have an emergency fund beyond the down payment?',
options: [
{ id: 'sixmonths', name: '6+ months of expenses' },
{ id: 'threemonths', name: '3-6 months of expenses' },
{ id: 'some', name: '1-3 months of expenses' },
{ id: 'minimal', name: 'Less than 1 month' }
],
orientation: 'vertical',
tooltip: 'Lenders want to see reserves after closing. Homes have unexpected costs.',
onValueChange: (v) => {
if (v === 'sixmonths') updateScore('savings', 10);
else if (v === 'threemonths') updateScore('savings', 7);
else if (v === 'some') updateScore('savings', 4);
else if (v === 'minimal') updateScore('savings', 1);
}
});
});
// ========== PAGE 4: Stability ==========
const page4 = pages.addPage('stability', { mobileBreakpoint: 500 });
page4.addRow(row => {
row.addTextPanel('header4', {
label: 'Step 4 of 6: Life Stability',
computedValue: () => 'Is this the right time in your life?',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page4.addSpacer({ height: '24px' });
page4.addRow(row => {
row.addRadioButton('stayDuration', {
label: 'How long do you plan to stay in this home?',
options: [
{ id: 'longtime', name: '7+ years' },
{ id: 'medium', name: '5-7 years' },
{ id: 'short', name: '3-5 years' },
{ id: 'unsure', name: 'Less than 3 years or unsure' }
],
orientation: 'vertical',
tooltip: 'Generally need 5+ years to break even on buying vs renting.',
onValueChange: (v) => {
if (v === 'longtime') updateScore('stability', 10);
else if (v === 'medium') updateScore('stability', 8);
else if (v === 'short') updateScore('stability', 4);
else if (v === 'unsure') updateScore('stability', 2);
}
});
});
page4.addRow(row => {
row.addSuggestionChips('lifeChanges', {
label: 'Any major life changes expected in 1-2 years?',
suggestions: [
{ id: 'none', name: '✅ None expected' },
{ id: 'job', name: '💼 Job change/move' },
{ id: 'family', name: '👶 Growing family' },
{ id: 'marriage', name: '💍 Marriage/divorce' },
{ id: 'retire', name: '🏖️ Retirement' }
],
onValueChange: (v) => {
const picks = v || [];
if (picks.includes('none')) updateScore('stability', 10);
else if (picks.includes('family')) updateScore('stability', 6);
else if (picks.includes('marriage')) updateScore('stability', 4);
else if (picks.includes('job')) updateScore('stability', 2);
else if (picks.includes('retire')) updateScore('stability', 5);
}
});
});
// ========== PAGE 5: Knowledge ==========
const page5 = pages.addPage('knowledge', { mobileBreakpoint: 500 });
page5.addRow(row => {
row.addTextPanel('header5', {
label: 'Step 5 of 6: Market Knowledge',
computedValue: () => 'How prepared are you for the process?',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page5.addSpacer({ height: '24px' });
page5.addRow(row => {
row.addRadioButton('preapproval', {
label: 'Have you been pre-approved for a mortgage?',
options: [
{ id: 'yes', name: 'Yes, I have a pre-approval letter' },
{ id: 'prequalified', name: 'Pre-qualified (not full pre-approval)' },
{ id: 'researching', name: 'Researching lenders but not applied' },
{ id: 'no', name: 'Haven\'t started this process' }
],
orientation: 'vertical',
onValueChange: (v) => {
if (v === 'yes') updateScore('knowledge', 10);
else if (v === 'prequalified') updateScore('knowledge', 7);
else if (v === 'researching') updateScore('knowledge', 4);
else if (v === 'no') updateScore('knowledge', 1);
}
});
});
page5.addRow(row => {
row.addSuggestionChips('completed', {
label: 'Which steps have you completed?',
suggestions: [
{ id: 'budget', name: '📊 Set budget' },
{ id: 'area', name: '📍 Chosen area' },
{ id: 'agent', name: '🏠 Found agent' },
{ id: 'toured', name: '👀 Toured homes' },
{ id: 'costs', name: '💰 Know closing costs' }
],
onValueChange: (v) => {
const count = (v || []).length;
updateScore('knowledge', Math.min(count * 2, 10));
}
});
});
// ========== PAGE 6: Results ==========
const page6 = pages.addPage('results', { mobileBreakpoint: 500 });
page6.addRow(row => {
row.addTextPanel('header6', {
label: 'Step 6 of 6: Your Readiness Score',
computedValue: () => 'Here\'s where you stand',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page6.addSpacer({ height: '24px' });
page6.addRow(row => {
row.addTextPanel('mainScore', {
label: 'Home Buying Readiness',
computedValue: () => `${getScorePercentage()}%`,
customStyles: () => {
const score = getScorePercentage();
return {
fontSize: '56px',
fontWeight: 'bold',
textAlign: 'center',
padding: '20px',
borderRadius: '12px',
color: score >= 65 ? '#059669' : score >= 50 ? '#ca8a04' : '#dc2626',
background: score >= 65 ? '#ecfdf5' : score >= 50 ? '#fefce8' : '#fef2f2'
};
}
});
});
page6.addRow(row => {
row.addTextPanel('readinessLevel', {
label: '',
computedValue: () => getReadinessLabel(),
customStyles: { textAlign: 'center', fontSize: '24px', fontWeight: 'bold', padding: '10px' }
});
});
page6.addRow(row => {
row.addTextPanel('description', {
label: '',
computedValue: () => getReadinessDescription(),
customStyles: { textAlign: 'center', padding: '15px', background: '#f9fafb', borderRadius: '8px' }
});
});
const categorySection = page6.addSubform('categoryBreakdown', {
title: '📊 Category Breakdown (click to expand)',
isCollapsible: true,
customStyles: { background: '#f9fafb', borderRadius: '8px', marginTop: '20px' }
});
categorySection.addRow(row => {
row.addTextPanel('financialScore', {
label: '💼 Income & Debt',
computedValue: () => `${getCategoryScore('financial')}%`,
customStyles: () => ({
padding: '10px',
background: getCategoryScore('financial') >= 60 ? '#ecfdf5' : '#fef2f2',
borderRadius: '4px'
})
});
row.addTextPanel('creditScore', {
label: '📊 Credit',
computedValue: () => `${getCategoryScore('credit')}%`,
customStyles: () => ({
padding: '10px',
background: getCategoryScore('credit') >= 60 ? '#ecfdf5' : '#fef2f2',
borderRadius: '4px'
})
});
});
categorySection.addRow(row => {
row.addTextPanel('savingsScore', {
label: '💰 Savings',
computedValue: () => `${getCategoryScore('savings')}%`,
customStyles: () => ({
padding: '10px',
background: getCategoryScore('savings') >= 60 ? '#ecfdf5' : '#fef2f2',
borderRadius: '4px'
})
});
row.addTextPanel('stabilityScore', {
label: '🏠 Stability',
computedValue: () => `${getCategoryScore('stability')}%`,
customStyles: () => ({
padding: '10px',
background: getCategoryScore('stability') >= 60 ? '#ecfdf5' : '#fef2f2',
borderRadius: '4px'
})
});
});
categorySection.addRow(row => {
row.addTextPanel('knowledgeScore', {
label: '📚 Knowledge',
computedValue: () => `${getCategoryScore('knowledge')}%`,
customStyles: () => ({
padding: '10px',
background: getCategoryScore('knowledge') >= 60 ? '#ecfdf5' : '#fef2f2',
borderRadius: '4px'
})
});
row.addEmpty('1fr');
});
page6.addRow(row => {
row.addTextPanel('focusArea', {
label: '🎯 Priority Focus',
computedValue: () => `Work on ${getCategoryLabel(getWeakestArea())} to improve your readiness.`,
customStyles: { padding: '15px', background: '#fef3c7', borderRadius: '8px', marginTop: '15px' }
});
});
// ========== PAGE 7: Lead Capture ==========
const page7 = pages.addPage('lead-capture', { mobileBreakpoint: 500 });
page7.addRow(row => {
row.addTextPanel('header7', {
label: 'Get Your Home Buying Action Plan',
computedValue: () => 'We\'ll send you personalized next steps',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page7.addSpacer({ height: '24px' });
page7.addRow(row => {
row.addTextbox('name', { label: 'Your Name', isRequired: true, placeholder: 'Jane Smith' }, '1fr');
row.addEmail('email', { label: 'Email', isRequired: true, placeholder: 'jane@email.com' }, '1fr');
});
page7.addRow(row => {
row.addTextbox('phone', { label: 'Phone (optional)', placeholder: '(555) 123-4567' }, '1fr');
row.addDropdown('timeline', {
label: 'When do you hope to buy?',
options: [
{ id: 'asap', name: 'As soon as possible' },
{ id: '6months', name: 'Within 6 months' },
{ id: '1year', name: 'Within 1 year' },
{ id: 'later', name: '1-2 years' },
{ id: 'unsure', name: 'Just exploring' }
]
}, '1fr');
});
page7.addRow(row => {
row.addCheckboxList('consent', {
options: [
{ id: 'plan', name: '📄 Send me my personalized action plan', isRequired: true },
{ id: 'lender', name: '🏦 Connect me with a mortgage lender' },
{ id: 'agent', name: '🏠 Help me find a buyer\'s agent' }
],
defaultValue: ['plan'],
orientation: 'vertical'
});
});
// ========== SUBMIT BUTTON ==========
form.configureSubmitButton({
label: () => `🏠 Get My Action Plan (Score: ${getScorePercentage()}%)`
});
// ========== PDF REPORT ==========
form.configurePdf('home-buying-report', pdf => {
pdf.configure({
filename: 'home-buying-readiness-report.pdf',
pageSize: 'A4',
allowUserDownload: true,
downloadButtonLabel: '🏠 Download Action Plan',
header: {
title: 'Home Buying Readiness',
subtitle: 'Your Personalized Action Plan'
},
footer: {
text: 'Generated by FormTs',
showPageNumbers: true
}
});
pdf.addSection('Your Readiness Score', section => {
section.addRow(row => {
row.addField('Overall Score', `${getScorePercentage()}%`);
row.addField('Status', getReadinessLabel());
});
section.addText(getReadinessDescription());
});
pdf.addSection('Category Breakdown', section => {
section.addTable(
['Category', 'Score', 'Status'],
[
['Income & Debt', `${getCategoryScore('financial')}%`, getCategoryScore('financial') >= 60 ? '✅' : '⚠️'],
['Credit Score', `${getCategoryScore('credit')}%`, getCategoryScore('credit') >= 60 ? '✅' : '⚠️'],
['Savings', `${getCategoryScore('savings')}%`, getCategoryScore('savings') >= 60 ? '✅' : '⚠️'],
['Life Stability', `${getCategoryScore('stability')}%`, getCategoryScore('stability') >= 60 ? '✅' : '⚠️'],
['Market Knowledge', `${getCategoryScore('knowledge')}%`, getCategoryScore('knowledge') >= 60 ? '✅' : '⚠️']
]
);
});
pdf.addPageBreak();
pdf.addSection('Your Action Plan', section => {
section.addText(`Priority Focus: ${getCategoryLabel(getWeakestArea())}`);
section.addSpacer(10);
section.addText('1. Check your credit report for errors (free at annualcreditreport.com)');
section.addText('2. Calculate your target home price (2.5-3x annual income)');
section.addText('3. Get pre-approved by 2-3 lenders to compare rates');
section.addText('4. Save for down payment + closing costs (2-5% of price)');
section.addText('5. Build emergency fund for unexpected home costs');
section.addText('6. Research neighborhoods and interview real estate agents');
});
pdf.addSection('Important Numbers', section => {
section.addText('• Minimum credit score: 620 (conventional), 580 (FHA)');
section.addText('• Ideal debt-to-income: Under 36% (max 43%)');
section.addText('• Down payment: 3-20% (20% avoids PMI)');
section.addText('• Closing costs: 2-5% of home price');
section.addText('• Reserves needed: 2-6 months mortgage payments');
});
});
form.configureSubmitBehavior({ sendToServer: true });
}
Frequently Asked Questions
What credit score do I need to buy a home?
Minimum scores vary by loan type: Conventional loans typically require 620+, FHA loans accept 580+ (or 500+ with 10% down), VA loans have no minimum but lenders often require 620+. Higher scores (740+) qualify for the best interest rates.
How much should I save for a down payment?
While 20% down avoids PMI (private mortgage insurance), many buyers put down less. FHA loans require 3.5% minimum, conventional loans can go as low as 3%. However, more down payment means lower monthly payments and better loan terms.
What debt-to-income ratio do lenders want?
Most lenders prefer a DTI (debt-to-income) ratio below 43%, though some loan programs allow up to 50%. This includes your future mortgage payment plus all other monthly debt payments divided by your gross monthly income.
What hidden costs should I budget for?
Beyond down payment, budget for: closing costs (2-5% of loan amount), home inspection ($300-500), appraisal ($300-600), moving expenses, immediate repairs/improvements, and ongoing costs like property taxes, insurance, HOA fees, and maintenance (1-2% of home value annually).