{"uid":"cap_8dmzATgyWUUAhGxoccDuL","slug":"wealthpulse-home-affordability-calculator-e4d292c0","name":"WealthPulse Home Affordability Calculator","description":"How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.","url":"https://wealthpulse.theaslangroupllc.com/api/wealth/mortgage","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"debt":{"type":"string","description":"500 (existing monthly debt payments USD)"},"down":{"type":"string","description":"60000 (down payment USD, required)"},"lang":{"type":"string","description":"en | es | fr | de | pt | zh"},"income":{"type":"string","description":"95000 (annual gross USD, required)"},"location":{"type":"string","description":"Austin, TX (default: US)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"location":"Austin, TX","disclaimer":"For informational purposes only. Not financial or legal advice. Consult a licensed mortgage professional and financial advisor before making home purchase decisions.","amazon_link":"https://www.amazon.com/s?k=home+buying+guide&tag=pulsenetwork7-20","buy_vs_wait":"buy","rate_context":{"rate_trend":"stable","rate_impact":"A 1% rate rise adds roughly $220/month at this loan size","current_15yr":"6.10%","current_30yr":"6.85%"},"affordability":{"down_payment_pct":"15.4%","recommended_home_price":"$390,000","max_home_price_stretched":"$420,000","monthly_payment_estimate":"$2,240 (P&I)","max_home_price_conservative":"$380,000"},"amazon_search":"home buying guide","buy_vs_wait_reason":"Rates are stable and local rents exceed this monthly payment","first_time_buyer_programs":["FHA 3.5% down","TSAHC down payment assistance"]}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ps4D4C77bMySWCTIGlkqj","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates maximum home purchase price based on income, debt, down payment, and DTI ratios, with current 30-year rate context and a buy-vs-wait recommendation","exampleAgentPrompt":"I make $95,000 a year, have $800 in monthly debt payments, and can put $40,000 down — can you run a WealthPulse home affordability check and tell me the max purchase price using both front-end and back-end DTI, what the current 30-year rate looks like, and whether I should buy now or wait?","exampleUseCases":[{"title":"Real estate agent pre-qualifying clients","prompt":"I'm showing homes to a client who says they earn $120,000 annually with about $600 in monthly debt and have $50,000 saved for a down payment. Can you pull their WealthPulse affordability snapshot so I know what price range to focus on and can show them the DTI breakdown?"},{"title":"Career switcher evaluating home purchase timing","prompt":"I just got a job offer for $110,000 a year and I'm looking to buy my first home. I've got $25,000 to put down and minimal debt right now. Run a WealthPulse check on my affordability and let me know if this is actually a good time to buy given where mortgage rates are sitting."},{"title":"Couple reconciling competing financial priorities","prompt":"My spouse and I make $160,000 combined but carry $1,200 monthly in student loans and a car payment. We have $60,000 for a down payment but we're unsure if we should buy now or wait. Can you use WealthPulse to show us our max home price with both DTI limits and give us a real recommendation on whether to jump in or hold off?"}],"resultDescription":"Returns the maximum home purchase price under front-end DTI constraints (typically 28%) and back-end DTI constraints (typically 36–43%), estimated monthly payment, current 30-year mortgage rate context, and a qualitative buy-vs-wait recommendation based on the borrower's financial profile and rate environment.","failureModes":["Missing required income parameter returns 400 error","Down payment exceeding purchase price yields invalid scenario","Negative debt values rejected with validation error","Extreme DTI inputs outside normal bounds may return edge-case warnings","Service unavailable if upstream rate data feed is down"],"whenToPreferThis":"Use this endpoint when a user wants a quick, personalized home affordability snapshot that combines their specific income, debt, and down payment with live rate context and a qualitative buy-vs-wait signal — especially useful for pre-house-hunting budget setting or evaluating whether current rates make buying sensible right now. Prefer over generic mortgage calculators when you need DTI-split analysis (front-end vs back-end) in a single call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T18:31:42.480Z","isFirstParty":false}