Update app.py

app.py

@@ -177,12 +177,28 @@ with tab1:
     total_income = applicant_income + coapplicant_income
     
     col1, col2, col3 = st.columns(3)
-    col1.metric("Total Income", f"${total_income:,}")
-    col2.metric("Loan Amount", f"${loan_amount:,}")
+    col1.metric("Total Monthly Income", f"${total_income:,}")
+    col2.metric("Estimated Monthly Payment", f"${monthly_payment:.2f}")
     col3.metric("Loan Term", f"{loan_term//12} years")
     
-    # Calculate debt-to-income ratio
-    dti = (loan_amount / total_income) if total_income > 0 else 0
+    # Calculate monthly payment (simplified calculation)
+    # Convert loan term to years for calculation
+    loan_term_years = loan_term / 12
+    
+    # Simple monthly payment calculation (approximation)
+    interest_rate = 0.05  # Assuming 5% annual interest rate
+    monthly_interest = interest_rate / 12
+    num_payments = loan_term
+    
+    # Monthly payment using the loan amortization formula
+    if monthly_interest == 0:
+        monthly_payment = loan_amount / num_payments
+    else:
+        monthly_payment = loan_amount * (monthly_interest * (1 + monthly_interest) ** num_payments) / \
+                        ((1 + monthly_interest) ** num_payments - 1)
+    
+    # Calculate proper Debt-to-Income ratio (monthly payment / monthly income)
+    dti = (monthly_payment / total_income) if total_income > 0 else 0
     dti_percent = dti * 100
     
     # Show DTI with visual gauge instead of raw number