{"uid":"cap_DwR9Zd3aHswUlVExaawcc","slug":"saylor-innovations-mortgage-affordability-calculator-c4d1fdce","name":"Saylor Innovations Mortgage Affordability Calculator","description":"Maximum home price and loan from income, debts, down payment and rate using the 28/36 rules, with tax, insurance and HOA in the monthly total","url":"https://saylorinnovations.com/api/finance/mortgage-affordability?utm_source=zero.xyz","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"],"type":"string"},"queryParams":{"type":"object","required":["annual_income","apr"],"properties":{"apr":{"type":"string","description":"Mortgage rate in percent"},"down_payment":{"type":"string","description":"optional down payment"},"annual_income":{"type":"string","description":"Gross yearly income"},"monthly_debts":{"type":"string","description":"optional monthly debt payments"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["max_monthly_housing","max_home_price"],"properties":{"note":{"type":"string","description":"Caveat or context for reading the result"},"source":{"type":"string","description":"Data source the values come from"},"monthly":{"type":"object","properties":{"hoa":{"type":["number","null"],"description":"Monthly HOA fees"},"total":{"type":["number","null"],"description":"Total number of matching items"},"insurance":{"type":["number","null"],"description":"Monthly insurance"},"property_tax":{"type":["number","null"],"description":"Property tax"},"principal_and_interest":{"type":["number","null"],"description":"Principal and interest"}},"description":"Monthly values"},"max_loan":{"type":"number","description":"Max loan"},"affordable":{"type":"boolean","description":"True when a positive loan amount fits the budget"},"binding_rule":{"type":["string","null"],"description":"Binding rule"},"down_payment":{"type":["number","null"],"description":"Down payment"},"annual_income":{"type":"number","description":"Annual income"},"monthly_debts":{"type":["number","null"],"description":"Monthly debts"},"max_home_price":{"type":"number","description":"Max home price"},"max_monthly_housing":{"type":"number","description":"Max monthly housing"},"down_payment_percent":{"type":["number","null"],"description":"Down payment, as a percentage"},"gross_monthly_income":{"type":["number","null"],"description":"Gross monthly income"}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","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":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_HHVmuvsSws38k4oip8lJX","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates maximum home price and loan amount from income, debts, down payment, and mortgage rate using the 28/36 qualifying rules, including tax, insurance, and HOA in the monthly total","exampleAgentPrompt":"I earn $95,000 a year, have $800 in monthly debts, a $40,000 down payment, and I'm looking at a 6.75% mortgage rate — can you tell me the maximum home price and loan I can qualify for?","exampleUseCases":[{"title":"First-time buyer budget check","prompt":"I make $75,000 a year, have no monthly debts, and I've saved $20,000 for a down payment. With today's rate around 7.1%, what's the most expensive home I can realistically afford?"},{"title":"Couple qualifying with existing debts","prompt":"My partner and I have a combined annual income of $140,000, monthly debt payments of $1,200 between us, a $60,000 down payment, and we're seeing 6.5% APR on 30-year mortgages — what's the max home price we'd qualify for under the 28/36 rule?"},{"title":"Pre-offer sanity check on a listing","prompt":"I'm looking at a house listed at $425,000 — I earn $110,000 a year, have $500 in monthly debts, $85,000 down, and the rate is 7.0%. Does my budget actually support this purchase?"}],"resultDescription":"Returns the maximum affordable home price, maximum loan amount, and maximum monthly housing payment, along with a detailed monthly breakdown (principal & interest, property tax, insurance, HOA), which of the 28/36 rules is the binding constraint, whether the purchase is affordable, and a note providing context on the calculation.","failureModes":["Missing required parameters (annual_income or apr) returns an error","Non-numeric or malformed parameter values may return a validation error","Extremely low income or very high APR may result in a $0 or non-affordable result with affordable=false","Down payment or monthly debts specified as negative values may produce unexpected results"],"whenToPreferThis":"Use this endpoint when you need a quick, rule-based mortgage affordability estimate grounded in the standard 28/36 debt-to-income guidelines, including realistic monthly cost components like property tax, insurance, and HOA. 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