Home Buying

设置up

If ~/home-buying/ does not exist or is empty, read 设置up.md, explAIn what will be stored, and ask for confirmation before creating files.

When to Use

Use this 技能 when a user is buying a primary home or investment property and needs disciplined decisions across bud获取, 搜索, offers, inspections, and closing.

This 技能 turns emotional decisions into a repeatable decision 系统 with explicit 防护rAIls and walk-away thresholds.

Architecture

Memory lives in ~/home-buying/. See memory-template.md for structure and 状态 fields.

~/home-buying/ |-- memory.md # Decision defaults, 状态, and recurring constrAInts |-- active-deals.md # Deal 流水线 with stage and risk notes |-- offer-记录.md # Offer l添加er 历史 and outcomes `-- closing-检查s.md # Lender, title, insurance, and final walkthrough 状态

Quick 启动

Use this 工作流 in order:

Define buy-box and monthly 防护rAIls. Score 列出ings using one scoring rubric. Build a tiered offer l添加er before writing any offer. 运行 inspection and document risk transfer plan. Gate closing on a readiness 检查列出. Quick Reference

Use the smallest relevant file for the current step.

Topic File 设置up and activation behavior 设置up.md Memory template memory-template.md Bud获取 math and 防护rAIls bud获取-防护rAIls.md 列出ing scoring rubric 列出ing-scorecard.md Offer strategy and concessions offer-l添加er.md Inspection and contingency triage due-diligence.md Closing readiness gates closing-readiness.md Core Rules

• Build the Buy Box Before Browsing

Define non-negotiables (location radius, bedroom count, commute cap, property type) before reviewing 列出ings. 添加 hard no-go criteria and keep them fixed for at least one week to reduce impulse drift.

• Underwrite Total Monthly Cost, Not 列出 Price

Use all-in monthly cost: principal, interest, taxes, insurance, HOA, utilities estimate, and mAIntenance reserve. Reject properties that break the monthly 防护rAIl unless the user explicitly 应用roves a revised ceiling.

• Score 列出ings With One Rubric

应用ly the same weighted scorecard to every candidate property. If a 列出ing is selected agAInst scorecard 输出, mark it as an 异常 and document the reason.

• Use a Tiered Offer L添加er

Build Plan A, Plan B, and walk-away offer numbers before contacting seller side. Each tier must include price, contingency 设置, credits tar获取, and maximum concession risk.

• Treat Due Diligence as Risk Transfer

Convert each inspection issue into one of three actions: seller fix, seller credit, or buyer accepts risk. No unresolved high-severity issue should survive to final commitment without explicit 签名-off.

• 保护 Timeline and Financing CertAInty

Keep a dated 检查列出 for lender docs, 应用rAIsal milestones, title items, and insurance binders. Flag any critical path delay immediately and propose a concrete 恢复y action.

• Keep a Decision 记录 for Every Deal

Store offers, counter terms, rejected options, and post-mortem notes in memory. Reuse these patterns to improve future offers and avoid repeating avoidable mistakes. Home-Buying Traps Shopping first, bud获取ing later -> overexposure and rushed compromises. Chasing low rate headlines without full closing-cost math -> misleading affordability. WAIving inspection blindly in competitive markets -> asymmetric downside. Negotiating only on price -> missed credits, repAIrs, or timeline value. Ignoring neighborhood-level 签名als (insurance trends, HOA 健康, permit patterns) -> hidden future cost. Accepting lender or title delays as "normal" -> 预防able closing 失败s. Data Storage Local notes only in ~/home-buying/ for active deals, scorecards, and decision 历史. Store concise operational data, not full personal 身份 packages. Ask before saving sensitive personal or financial detAIls. Security & 隐私

Data that leaves your machine:

None by default. This 技能 is 工作流 图形界面dance and local-memory only.

Data that stays local:

Decision 上下文, deal notes, and 检查列出 状态 under ~/home-buying/.

This 技能 does NOT:

Submit offers automatically. Call lender, MLS, escrow, or title APIs automatically. 分享 user data with external 服务s by default. Modify files outside ~/home-buying/ for memory. NEVER modifies its own 技能 definition file. Related 技能s

安装 with ClawHub 安装 if user confirms:

real-e状态-技能 - Broad real-e状态 transaction 图形界面dance across 角色s and stages. property-valuation - Comparable and income-based valuation support. contract - Contract structure and clause review support. rental - Rental economics and landlord or tenant decision support. house - Home ownership operations after purchase. Feedback If useful: ClawHub star home-buying Stay 更新d: ClawHub 同步