//Within this file lives the constructor, the calculate, and the accessor
//methods for EstimatedClosingCosts
//Note: I DID NOT overload the calculate function

function EstimatedClosingCosts()
{
 //Define variables
 this.className = "EstimatedClosingCosts";

 this.calculate = EstimatedClosingCostCalculate;

 return this;
}

function EstimatedClosingCostCalculate(loanAmt, loanTerm, interestRate, programPoints, downPaymentAmt, closingDate)
{

 //Define Local Variables
 var TAXSERVICEFEE = new Number(75);
 var FEETOCHARGE = new Number (350);
 var CREDITREPORTFEE = new Number(20.7);
 var APPRAISALFEE = new Number(300);
 var FLOODCERTFEE = new Number(15.5);
 var DEFAULTRATE = new Number(0.08);
 var DEFAULTLOANAMT = new Number(100000);
 var DEFAULTTERM = new Number(360);
 var DEFAULTINTERESTDAYS = new Number(15);

 var today = new Date();

 //Approximate the Loan Amount, if none passed in
 if (loanAmt == null)
 {
 var loanAmt = new Number(DEFAULTLOANAMT);
 }

 //Determine LoanType and Term, if possible
 if (loanTerm == null)
 {
 var loanTerm = new Number(DEFAULTTERM);
 }

 //Determine Mortgage Insurance, based on LTV
 if (downPaymentAmt == null)
 {
 var downPaymentAmt = new Number(0);
 }

 if (interestRate == null)
 {
 var interestRate = new Number(DEFAULTRATE);
 }

 // Calculate any MI
 var monthlyMI = new Number(PMICalculator(loanAmt,downPaymentAmt));

 // 2 months prepaid MI
 var MIFee = new Number(2*monthlyMI);

 var interestDays = DEFAULTINTERESTDAYS;

 if (closingDate != null)
 {
 interestDays = today.getDate();
 }

 var prePaidInterest = new Number(interestRate/365 * loanAmt * interestDays);

 // determine origination fee
 var originationFee = new Number(0);
 if (programPoints == null)
 {
 programPoints = new Number(0);
 }
 else if ((programPoints > 0.01)||(programPoints == 0.01))
 {
 originationFee = 0.01 * loanAmt;
 }

 // determine discount points
 var discountPoints = new Number(0);
 if (programPoints > .01)
 {
 discountPoints = (programPoints - 0.01) * loanAmt;
 }
 else if ((programPoints > 0)&&(programPoints < 0.01))
 {
 discountPoints = programPoints * loanAmt;
 }

 var paidByLender = new Number(0);
 if (programPoints < 0.0)
 {
 paidByLender = programPoints * loanAmt;
 }

 return (TAXSERVICEFEE + FEETOCHARGE + CREDITREPORTFEE + APPRAISALFEE + FLOODCERTFEE + paidByLender + discountPoints + originationFee + prePaidInterest + MIFee);

}