Mortgage Calc v2 edits

[jenbreese]

Summary

Fixed multiple rounding, validation, and UI display issues in the mortgage calculator:

1. Rounding consistency – Total monthly housing cost now sums the individually rounded values (mortgage + taxes + insurance + HOA) instead of rounding the sum. Users who manually add the displayed values now get the exact total shown.

2. Breakdown clearing on errors – When validation errors block calculation, all monthly breakdown rows now display dashes instead of showing stale/calculated values.

3. HOA negative input handling – Input box now accepts negative values and displays them with the validation error "Enter an amount between $0 and $20,000."

4. Property tax mode switching – When switching from dollar amount mode back to percentage mode, now defaults to 1.25% instead of clearing to 0%.

Changes

• Modified calculateMortgage() in both afford and payment modes to compute the total from rounded component values
• Updated affordDash and paymentDash logic to include blocking conditions, so all breakdown lines show dashes when validation blocks the estimate
• Updated HOA input regex to accept optional minus sign (/^-?\d*$/) and fixed display formatting to show raw value when incomplete
• Fixed property tax percentage toggle to restore default 1.25% instead of 0

Testing

Tested rounding behavior:

• Verified that sum of displayed rounded values equals total monthly housing cost
• Confirmed validation errors cause all breakdown rows to show dashes
• Verified HOA input accepts negative values and displays error
• Confirmed property taxes reset to 1.25% when switching back to percentage mode

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