{
  "schemaVersion": "1.0",
  "item": {
    "slug": "home-buying",
    "name": "Home Buying",
    "source": "tencent",
    "type": "skill",
    "category": "内容创作",
    "sourceUrl": "https://clawhub.ai/ivangdavila/home-buying",
    "canonicalUrl": "https://clawhub.ai/ivangdavila/home-buying",
    "targetPlatform": "OpenClaw"
  },
  "install": {
    "downloadMode": "redirect",
    "downloadUrl": "/downloads/home-buying",
    "sourceDownloadUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=home-buying",
    "sourcePlatform": "tencent",
    "targetPlatform": "OpenClaw",
    "installMethod": "Manual import",
    "extraction": "Extract archive",
    "prerequisites": [
      "OpenClaw"
    ],
    "packageFormat": "ZIP package",
    "includedAssets": [
      "SKILL.md",
      "budget-guardrails.md",
      "closing-readiness.md",
      "due-diligence.md",
      "listing-scorecard.md",
      "memory-template.md"
    ],
    "primaryDoc": "SKILL.md",
    "quickSetup": [
      "Download the package from Yavira.",
      "Extract the archive and review SKILL.md first.",
      "Import or place the package into your OpenClaw setup."
    ],
    "agentAssist": {
      "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
      "steps": [
        "Download the package from Yavira.",
        "Extract it into a folder your agent can access.",
        "Paste one of the prompts below and point your agent at the extracted folder."
      ],
      "prompts": [
        {
          "label": "New install",
          "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete."
        },
        {
          "label": "Upgrade existing",
          "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run."
        }
      ]
    },
    "sourceHealth": {
      "source": "tencent",
      "status": "healthy",
      "reason": "direct_download_ok",
      "recommendedAction": "download",
      "checkedAt": "2026-04-23T16:43:11.935Z",
      "expiresAt": "2026-04-30T16:43:11.935Z",
      "httpStatus": 200,
      "finalUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
      "contentType": "application/zip",
      "probeMethod": "head",
      "details": {
        "probeUrl": "https://wry-manatee-359.convex.site/api/v1/download?slug=4claw-imageboard",
        "contentDisposition": "attachment; filename=\"4claw-imageboard-1.0.1.zip\"",
        "redirectLocation": null,
        "bodySnippet": null
      },
      "scope": "source",
      "summary": "Source download looks usable.",
      "detail": "Yavira can redirect you to the upstream package for this source.",
      "primaryActionLabel": "Download for OpenClaw",
      "primaryActionHref": "/downloads/home-buying"
    },
    "validation": {
      "installChecklist": [
        "Use the Yavira download entry.",
        "Review SKILL.md after the package is downloaded.",
        "Confirm the extracted package contains the expected setup assets."
      ],
      "postInstallChecks": [
        "Confirm the extracted package includes the expected docs or setup files.",
        "Validate the skill or prompts are available in your target agent workspace.",
        "Capture any manual follow-up steps the agent could not complete."
      ]
    },
    "downloadPageUrl": "https://openagent3.xyz/downloads/home-buying",
    "agentPageUrl": "https://openagent3.xyz/skills/home-buying/agent",
    "manifestUrl": "https://openagent3.xyz/skills/home-buying/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/home-buying/agent.md"
  },
  "agentAssist": {
    "summary": "Hand the extracted package to your coding agent with a concrete install brief instead of figuring it out manually.",
    "steps": [
      "Download the package from Yavira.",
      "Extract it into a folder your agent can access.",
      "Paste one of the prompts below and point your agent at the extracted folder."
    ],
    "prompts": [
      {
        "label": "New install",
        "body": "I downloaded a skill package from Yavira. Read SKILL.md from the extracted folder and install it by following the included instructions. Tell me what you changed and call out any manual steps you could not complete."
      },
      {
        "label": "Upgrade existing",
        "body": "I downloaded an updated skill package from Yavira. Read SKILL.md from the extracted folder, compare it with my current installation, and upgrade it while preserving any custom configuration unless the package docs explicitly say otherwise. Summarize what changed and any follow-up checks I should run."
      }
    ]
  },
  "documentation": {
    "source": "clawhub",
    "primaryDoc": "SKILL.md",
    "sections": [
      {
        "title": "Setup",
        "body": "If ~/home-buying/ does not exist or is empty, read setup.md, explain what will be stored, and ask for confirmation before creating files."
      },
      {
        "title": "When to Use",
        "body": "Use this skill when a user is buying a primary home or investment property and needs disciplined decisions across budget, search, offers, inspections, and closing.\n\nThis skill turns emotional decisions into a repeatable decision system with explicit guardrails and walk-away thresholds."
      },
      {
        "title": "Architecture",
        "body": "Memory lives in ~/home-buying/. See memory-template.md for structure and status fields.\n\n~/home-buying/\n|-- memory.md             # Decision defaults, status, and recurring constraints\n|-- active-deals.md       # Deal pipeline with stage and risk notes\n|-- offer-log.md          # Offer ladder history and outcomes\n`-- closing-checks.md     # Lender, title, insurance, and final walkthrough status"
      },
      {
        "title": "Quick Start",
        "body": "Use this workflow in order:\n\nDefine buy-box and monthly guardrails.\nScore listings using one scoring rubric.\nBuild a tiered offer ladder before writing any offer.\nRun inspection and document risk transfer plan.\nGate closing on a readiness checklist."
      },
      {
        "title": "Quick Reference",
        "body": "Use the smallest relevant file for the current step.\n\nTopicFileSetup and activation behaviorsetup.mdMemory templatememory-template.mdBudget math and guardrailsbudget-guardrails.mdListing scoring rubriclisting-scorecard.mdOffer strategy and concessionsoffer-ladder.mdInspection and contingency triagedue-diligence.mdClosing readiness gatesclosing-readiness.md"
      },
      {
        "title": "1. Build the Buy Box Before Browsing",
        "body": "Define non-negotiables (location radius, bedroom count, commute cap, property type) before reviewing listings.\nAdd hard no-go criteria and keep them fixed for at least one week to reduce impulse drift."
      },
      {
        "title": "2. Underwrite Total Monthly Cost, Not List Price",
        "body": "Use all-in monthly cost: principal, interest, taxes, insurance, HOA, utilities estimate, and maintenance reserve.\nReject properties that break the monthly guardrail unless the user explicitly approves a revised ceiling."
      },
      {
        "title": "3. Score Listings With One Rubric",
        "body": "Apply the same weighted scorecard to every candidate property.\nIf a listing is selected against scorecard output, mark it as an exception and document the reason."
      },
      {
        "title": "4. Use a Tiered Offer Ladder",
        "body": "Build Plan A, Plan B, and walk-away offer numbers before contacting seller side.\nEach tier must include price, contingency set, credits target, and maximum concession risk."
      },
      {
        "title": "5. Treat Due Diligence as Risk Transfer",
        "body": "Convert each inspection issue into one of three actions: seller fix, seller credit, or buyer accepts risk.\nNo unresolved high-severity issue should survive to final commitment without explicit sign-off."
      },
      {
        "title": "6. Protect Timeline and Financing Certainty",
        "body": "Keep a dated checklist for lender docs, appraisal milestones, title items, and insurance binders.\nFlag any critical path delay immediately and propose a concrete recovery action."
      },
      {
        "title": "7. Keep a Decision Log for Every Deal",
        "body": "Store offers, counter terms, rejected options, and post-mortem notes in memory.\nReuse these patterns to improve future offers and avoid repeating avoidable mistakes."
      },
      {
        "title": "Home-Buying Traps",
        "body": "Shopping first, budgeting later -> overexposure and rushed compromises.\nChasing low rate headlines without full closing-cost math -> misleading affordability.\nWaiving inspection blindly in competitive markets -> asymmetric downside.\nNegotiating only on price -> missed credits, repairs, or timeline value.\nIgnoring neighborhood-level signals (insurance trends, HOA health, permit patterns) -> hidden future cost.\nAccepting lender or title delays as \"normal\" -> preventable closing failures."
      },
      {
        "title": "Data Storage",
        "body": "Local notes only in ~/home-buying/ for active deals, scorecards, and decision history.\nStore concise operational data, not full personal identity packages.\nAsk before saving sensitive personal or financial details."
      },
      {
        "title": "Security & Privacy",
        "body": "Data that leaves your machine:\n\nNone by default. This skill is workflow guidance and local-memory only.\n\nData that stays local:\n\nDecision context, deal notes, and checklist state under ~/home-buying/.\n\nThis skill does NOT:\n\nSubmit offers automatically.\nCall lender, MLS, escrow, or title APIs automatically.\nShare user data with external services by default.\nModify files outside ~/home-buying/ for memory.\nNEVER modifies its own skill definition file."
      },
      {
        "title": "Related Skills",
        "body": "Install with clawhub install <slug> if user confirms:\n\nreal-estate-skill - Broad real-estate transaction guidance across roles and stages.\nproperty-valuation - Comparable and income-based valuation support.\ncontract - Contract structure and clause review support.\nrental - Rental economics and landlord or tenant decision support.\nhouse - Home ownership operations after purchase."
      },
      {
        "title": "Feedback",
        "body": "If useful: clawhub star home-buying\nStay updated: clawhub sync"
      }
    ],
    "body": "Setup\n\nIf ~/home-buying/ does not exist or is empty, read setup.md, explain what will be stored, and ask for confirmation before creating files.\n\nWhen to Use\n\nUse this skill when a user is buying a primary home or investment property and needs disciplined decisions across budget, search, offers, inspections, and closing.\n\nThis skill turns emotional decisions into a repeatable decision system with explicit guardrails and walk-away thresholds.\n\nArchitecture\n\nMemory lives in ~/home-buying/. See memory-template.md for structure and status fields.\n\n~/home-buying/\n|-- memory.md             # Decision defaults, status, and recurring constraints\n|-- active-deals.md       # Deal pipeline with stage and risk notes\n|-- offer-log.md          # Offer ladder history and outcomes\n`-- closing-checks.md     # Lender, title, insurance, and final walkthrough status\n\nQuick Start\n\nUse this workflow in order:\n\nDefine buy-box and monthly guardrails.\nScore listings using one scoring rubric.\nBuild a tiered offer ladder before writing any offer.\nRun inspection and document risk transfer plan.\nGate closing on a readiness checklist.\nQuick Reference\n\nUse the smallest relevant file for the current step.\n\nTopic\tFile\nSetup and activation behavior\tsetup.md\nMemory template\tmemory-template.md\nBudget math and guardrails\tbudget-guardrails.md\nListing scoring rubric\tlisting-scorecard.md\nOffer strategy and concessions\toffer-ladder.md\nInspection and contingency triage\tdue-diligence.md\nClosing readiness gates\tclosing-readiness.md\nCore Rules\n1. Build the Buy Box Before Browsing\nDefine non-negotiables (location radius, bedroom count, commute cap, property type) before reviewing listings.\nAdd hard no-go criteria and keep them fixed for at least one week to reduce impulse drift.\n2. Underwrite Total Monthly Cost, Not List Price\nUse all-in monthly cost: principal, interest, taxes, insurance, HOA, utilities estimate, and maintenance reserve.\nReject properties that break the monthly guardrail unless the user explicitly approves a revised ceiling.\n3. Score Listings With One Rubric\nApply the same weighted scorecard to every candidate property.\nIf a listing is selected against scorecard output, mark it as an exception and document the reason.\n4. Use a Tiered Offer Ladder\nBuild Plan A, Plan B, and walk-away offer numbers before contacting seller side.\nEach tier must include price, contingency set, credits target, and maximum concession risk.\n5. Treat Due Diligence as Risk Transfer\nConvert each inspection issue into one of three actions: seller fix, seller credit, or buyer accepts risk.\nNo unresolved high-severity issue should survive to final commitment without explicit sign-off.\n6. Protect Timeline and Financing Certainty\nKeep a dated checklist for lender docs, appraisal milestones, title items, and insurance binders.\nFlag any critical path delay immediately and propose a concrete recovery action.\n7. Keep a Decision Log for Every Deal\nStore offers, counter terms, rejected options, and post-mortem notes in memory.\nReuse these patterns to improve future offers and avoid repeating avoidable mistakes.\nHome-Buying Traps\nShopping first, budgeting later -> overexposure and rushed compromises.\nChasing low rate headlines without full closing-cost math -> misleading affordability.\nWaiving inspection blindly in competitive markets -> asymmetric downside.\nNegotiating only on price -> missed credits, repairs, or timeline value.\nIgnoring neighborhood-level signals (insurance trends, HOA health, permit patterns) -> hidden future cost.\nAccepting lender or title delays as \"normal\" -> preventable closing failures.\nData Storage\nLocal notes only in ~/home-buying/ for active deals, scorecards, and decision history.\nStore concise operational data, not full personal identity packages.\nAsk before saving sensitive personal or financial details.\nSecurity & Privacy\n\nData that leaves your machine:\n\nNone by default. This skill is workflow guidance and local-memory only.\n\nData that stays local:\n\nDecision context, deal notes, and checklist state under ~/home-buying/.\n\nThis skill does NOT:\n\nSubmit offers automatically.\nCall lender, MLS, escrow, or title APIs automatically.\nShare user data with external services by default.\nModify files outside ~/home-buying/ for memory.\nNEVER modifies its own skill definition file.\nRelated Skills\n\nInstall with clawhub install <slug> if user confirms:\n\nreal-estate-skill - Broad real-estate transaction guidance across roles and stages.\nproperty-valuation - Comparable and income-based valuation support.\ncontract - Contract structure and clause review support.\nrental - Rental economics and landlord or tenant decision support.\nhouse - Home ownership operations after purchase.\nFeedback\nIf useful: clawhub star home-buying\nStay updated: clawhub sync"
  },
  "trust": {
    "sourceLabel": "tencent",
    "provenanceUrl": "https://clawhub.ai/ivangdavila/home-buying",
    "publisherUrl": "https://clawhub.ai/ivangdavila/home-buying",
    "owner": "ivangdavila",
    "version": "1.0.0",
    "license": null,
    "verificationStatus": "Indexed source record"
  },
  "links": {
    "detailUrl": "https://openagent3.xyz/skills/home-buying",
    "downloadUrl": "https://openagent3.xyz/downloads/home-buying",
    "agentUrl": "https://openagent3.xyz/skills/home-buying/agent",
    "manifestUrl": "https://openagent3.xyz/skills/home-buying/agent.json",
    "briefUrl": "https://openagent3.xyz/skills/home-buying/agent.md"
  }
}