Summary
Delphi — Closing Calculator — regenerated from canonical/guides/tools/delphi.md. Do not hand-edit this page — update the canonical file and re-project. Status: live. Primary domain: delphi.stoicagent.com. Pipeline role: closing cost calculator — feeds price reduction scripts.
Content
Purpose
Seller net sheet, buyer estimate, and cost-of-holding calculator. Uses ATTOM tax proration to give agents accurate numbers during conversations with clients. Directly powers the cost-of-holding step in price reduction scripts (i.e., "every month you wait, you're paying $X in taxes, mortgage, HOA, maintenance").
Current state
- Status: Live
- Replaces: Paid closing calculator subscriptions (~$30/month saved)
Where it lives
- Code:
Tools/Delphi/ - Deployed: delphi.stoicagent.com (Netlify:
artemis-delphi.netlify.app)
Integrations
- ATTOM — tax proration (current tax bill, assessment date, proration math)
- Standard closing cost assumptions (title insurance, recording fees, etc.)
- State/county specific fees (Illinois + Missouri)
Related
- Inventory row:
canonical/business-state/tool-stack-inventory.md→ "Delphi" - Related workflow: price reduction script (cost-of-holding step)
Typical development touchpoints
- Tax proration edge cases (reassessment dates, special districts)
- Title insurance rate schedules (varies by state/county)
- Buyer closing cost assumption defaults (% for various loan types)
- Cost-of-holding component weights (mortgage + tax + insurance + HOA + maintenance)
- Copy-paste output format for agent conversations
Active WIP location
working/drafts/tools/delphi/ (create as needed during active development)
Open questions / gaps
- Tax proration rules for Missouri vs Illinois — verified for all counties Artemis operates in?
- Output format — is it consistent with price-reduction script template?
- Agent training on cost-of-holding usage — is there a playbook?