{"uid":"cap_-W0iQEFV8wpGx-Ev_D0EK","slug":"arm-payment-shock-calculator-5bcc7a81","name":"ARM Payment Shock Calculator","description":"Adjustable-rate mortgage payment shock: the payment before and after the first reset, and the increase.","url":"https://x402toll.com/v1/realestate/arm","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"loanAmount":{"type":"number"},"termMonths":{"type":"number","default":360},"initialRatePct":{"type":"number"},"adjustedRatePct":{"type":"number"},"fixedPeriodMonths":{"type":"number"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_5pSN_ClDlFO0GoguzMOKk","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates adjustable-rate mortgage (ARM) payments before and after the first rate reset, showing the payment increase (payment shock) at adjustment.","exampleAgentPrompt":"I have a $450,000 ARM loan with a 30-year term, currently at a 5.5% initial rate for the first 60 months — when it resets to 7.25%, how much will my monthly payment jump?","exampleUseCases":null,"resultDescription":"Returns the monthly mortgage payment during the initial fixed period, the new monthly payment after the first rate reset, and the dollar amount of the increase — giving a clear picture of payment shock at adjustment.","failureModes":["Missing required fields (loanAmount, initialRatePct, adjustedRatePct) returns a 400 error","Negative or zero loan amount causes invalid computation","Rate values out of realistic range may return unexpected results","fixedPeriodMonths greater than termMonths is an invalid input"],"whenToPreferThis":"Use this endpoint when a user wants to understand the financial impact of an ARM rate reset — specifically the before/after monthly payment and how much the payment will increase. Ideal for home buyers evaluating ARM vs fixed-rate loans, or existing ARM holders approaching their reset date.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T06:41:40.461Z","isFirstParty":false}