{"uid":"cap_EGUwHPMrL_7-F2E-0HRsG","slug":"wealthpulse-mortgage-affordability-analyzer-7c9f97aa","name":"WealthPulse Mortgage Affordability Analyzer","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-phi.vercel.app/api/wealth/mortgage?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","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":{"request":{"debt":800,"down":60000,"lang":"en","income":120000,"location":"Austin TX"},"response":{"meta":{"fred_rates_available":true},"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=The%20Book%20on%20Buying%20a%20Home%20by%20David%20Greene%20first-time%20buyer%20guide&tag=pulsenetwork7-20","buy_vs_wait":"either","down_payment":"$60,000","generated_at":"2026-06-18T05:42:23.296Z","rate_context":{"rate_trend":"stable — 10Y Treasury at 4.43% with a flat yield curve (2Y/10Y spread only 0.38%). No strong directional pressure on mortgage rates in the near term, but curve is at an inflection point. Fed Funds at 3.63% suggests the Fed is in a hold or gradual easing posture.","rate_impact":"On a $260,000 loan, a 1% rate increase (to 7.52%) raises your monthly P&I by approximately $170/mo (~$2,040/yr). A 1% decrease (to 5.52%) saves approximately $160/mo (~$1,920/yr). Over 30 years, a 1% difference equals roughly $55,000–$60,000 in total interest.","current_15yr":"5.84% as of June 11, 2026 (FRED)","current_30yr":"6.52% as of June 11, 2026 (FRED)"},"affordability":{"down_payment_pct":"18.75% on a $320,000 home — below 20%, so PMI applies (~$100–$130/mo until ~20% equity is reached, roughly 4–5 years at standard amortization)","recommended_home_price":"$300,000–$340,000 — Austin property taxes are among the highest in the nation (2.1–2.3%), which meaningfully compresses your true buying power. At $320K with $60K down, your estimated PITI is ~$2,650–$2,750/mo, keeping you at ~27% front-end DTI. Combined with $800 existing debt, back-end DTI lands near 35% — manageable but tight. Do not exceed $340K without reducing other debt first.","max_home_price_stretched":"$280,000 — based on 36% back-end DTI: total allowable debt ≈ $3,600/mo minus $800 existing debt = $2,800 for housing; with taxes/insurance (~$500/mo), P&I room ≈ $2,300, supporting ~$340K home price, but stretched given Austin's high property tax burden (~2.1–2.3%)","monthly_payment_estimate":"$1,680/mo P&I on a $260,000 loan ($320K home minus $60K down) at 6.52% 30-year fixed. Total PITI with Austin property taxes (~$570/mo) and homeowners insurance (~$150/mo) ≈ $2,400–$2,500/mo.","max_home_price_conservative":"$336,000 — based on 28% front-end DTI: max monthly PITI ≈ $2,800 at 6.52% 30-yr rate with ~$60K down"},"amazon_search":"The Book on Buying a Home by David Greene first-time buyer guide","income_annual":"$120,000","cost_of_waiting":"If rates fall 0.5% over 6 months (to ~6.02%), your monthly P&I on a $260K loan drops ~$80/mo — saving you ~$28,800 over 30 years. However, if Austin home prices stabilize or rise 3% in that window, a $320K home becomes ~$330K, costing you ~$10K more upfront and adding ~$55/mo to your payment. The net math is close to a wash, but waiting to save an additional $15,000–$20,000 toward a 20% down payment would eliminate PMI (~$130/mo) and save you more than most rate scenarios over 5 years.","pulse_suggestions":[{"url":"https://proppulse-gules.vercel.app","why":"PropPulse can run a deep neighborhood scoring analysis on Austin-area submarkets within your $300K–$340K budget (Pflugerville, Kyle, Manor), assess investment-grade metrics like cap rate and the 1% rule if you're considering house hacking, and provide a detailed Texas HFA program comparison to maximize your down payment assistance.","vertical":"PropPulse","suggested_endpoint":"neighborhood-scoring + state-HFA-programs + house-hacking-analysis"},{"url":"https://homepulse-seven.vercel.app","why":"Once you purchase, HomePulse can calculate renovation ROI specific to the Austin market, identify IRA energy tax credits (30% credit on solar, insulation, HVAC), and build a seasonal maintenance calendar for Central Texas climate — helping protect and grow your home's value.","vertical":"HomePulse","suggested_endpoint":"renovation-roi + energy-audit + maintenance-calendar"}],"buy_vs_wait_reason":"Austin is a complex market right now. Inventory has risen significantly from 2022 peaks and home prices have softened 8–15% from highs, giving buyers more negotiating power than in recent years. However, at 6.52%, affordability is still strained relative to Austin's median home price (~$480,000–$520,000), which frankly exceeds what your income and down payment can comfortably support. Your realistic budget of $300K–$340K is below Austin's median, so you should focus on specific submarkets (Pflugerville, Manor, Del Valle, Kyle, Buda) or condos/townhomes. Waiting 6–12 months is reasonable if you can save additional down payment or reduce existing debt, especially since the flat yield curve signals no imminent rate crash.","lendingtree_product":"mortgage","first_time_buyer_programs":["Texas State Affordable Housing Corporation (TSAHC) — Homes for Texas Heroes and Home Sweet Texas programs; up to 5% DPA as a grant (no repayment) for income-eligible buyers; income limit for Austin MSA ~$97K–$116K, check current limits","Texas Department of Housing and Community Affairs (TDHCA) — My First Texas Home program; 30-year fixed rate mortgage + up to 5% DPA; income limits apply (~$105K for Austin area)","City of Austin Down Payment Assistance Program — forgivable loans for lower-income buyers; income limits stricter (~80% AMI), but worth checking if income adjustments apply","Travis County Housing Finance Corporation — occasionally offers below-market mortgage bond programs for first-time buyers in Travis County","FHA Loan — with only 18.75% down, an FHA loan (3.5% minimum) could preserve cash reserves; note FHA MIP is lifetime unless refinanced, so conventional with PMI may be better at your down payment level","Fannie Mae HomeReady / Freddie Mac Home Possible — conventional loans with 3–5% down for income-qualified buyers; better PMI rates than FHA for buyers with good credit"]}},"exampleRequest":{"debt":800,"down":60000,"lang":"en","income":120000,"location":"Austin TX"},"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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_jnEaqc4xGNyFoM1iv_vEE","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":"Analyzes home affordability given current mortgage rates and provides a buy-now vs. wait recommendation with rate context","exampleAgentPrompt":"Can you run a WealthPulse mortgage affordability analysis for me — I make $120,000 a year, have $60,000 saved for a down payment, about $800/month in existing debt payments, and I'm looking at homes around $450,000 in Austin, TX? Tell me if I should buy now or wait given where rates are.","exampleUseCases":[{"title":"First-time buyer program eligibility check","prompt":"I just got my first job out of college making $65k a year and I've been saving for two years — I have about $25,000 for a down payment now. Can you check if I can afford a starter home around $300,000 in Denver and see if I qualify for any first-time buyer programs? I want to know if jumping in now makes sense or if I should wait and save more."},{"title":"Rate timing decision for engaged couple","prompt":"My fiancé and I are getting married next year and we're trying to figure out if we should buy before or after the wedding. Together we make about $180,000, we have $80,000 saved, and we're looking at places around $550,000 in the Seattle area. Given that mortgage rates might shift, should we lock in a purchase now or wait until after we're married and can combine our finances officially?"},{"title":"Downpayment strategy with existing mortgage","prompt":"I currently have a mortgage on a condo with about $150,000 still owed, and I'm thinking about upgrading to a larger home. My income is $95,000, I have $40,000 available for a down payment, and I'm looking at homes around $425,000 in the Phoenix market. Walk me through the affordability analysis with my existing debt factored in — am I in a good position to upgrade now or should I wait until I've paid down more of my current mortgage?"}],"resultDescription":"Returns a home affordability analysis including estimated monthly mortgage payment, debt-to-income ratio assessment, how current mortgage rate environment affects purchasing power, and a concrete buy-now vs. wait recommendation with supporting rationale.","failureModes":["Missing required financial inputs such as income or home price returns a 400 error","Invalid or out-of-range values (e.g. negative income) may return a validation error","Service unavailability returns 5xx; retry with backoff","Payment of 0.1 USDC not completed results in 402 Payment Required"],"whenToPreferThis":"Use this endpoint when a user wants a holistic mortgage affordability assessment that incorporates live rate context and a buy-vs-wait decision, rather than just a bare mortgage payment calculator. Ideal when the user is weighing timing of a home purchase against current interest rate trends.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T18:41:07.005Z","isFirstParty":false,"canonicalSlug":"wealthpulse-mortgage-affordability-analyzer-7c9f97aa"}