{"uid":"cap_VnN83k2Vw3Ecj1LRXDgpg","slug":"piti-calculator-mortgage-payment-affordability-scorer-2a29ede9","name":"PITI Calculator (Mortgage Payment & Affordability Scorer)","description":"817 pay-per-call APIs for AI agents. Every endpoint is POST /<name> and is payable in USDC over x402 on Base and Solana — no signup, no API key, just pay-per-call. GET https://x402.agentutility.ai/ returns the same catalog as machine-readable JSON.","url":"https://x402.agentutility.ai/piti-calculator?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","bodyType","body"],"properties":{"body":{"required":["home_price","annual_rate","term_years"],"properties":{"home_price":{"type":"number","description":"Purchase price or property value."},"term_years":{"type":"number","description":"Loan term in years."},"annual_rate":{"type":"number","description":"Annual mortgage rate as percent, e.g. 6.75."},"loan_amount":{"type":"number","description":"Optional explicit loan amount; defaults to home_price minus down_payment."},"monthly_hoa":{"type":"number","description":"Monthly HOA dues. Default 0."},"monthly_pmi":{"type":"number","description":"Monthly PMI. Default 0."},"down_payment":{"type":"number","description":"Cash down payment. Default 0."},"annual_insurance":{"type":"number","description":"Annual homeowners insurance. Default 0."},"annual_property_tax":{"type":"number","description":"Annual property tax. Default 0."},"gross_monthly_income":{"type":"number","description":"Optional borrower gross monthly income for housing DTI."}}},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"grade":{"type":"string"},"score":{"type":"number"},"source":{"type":"string"},"drivers":{"type":"array","items":{"type":"object","properties":{"name":{"type":"string"},"note":{"type":"string"},"score":{"type":"number"},"weight":{"type":"number"}}}},"metrics":{"type":"object","properties":{"housing_dti_pct":{"type":"number"},"total_monthly_payment":{"type":"number"}}},"warnings":{"type":"array"},"calculator":{"type":"string"},"recommendation":{"type":"string"}}}}}}},"responseSchema":{"type":"json","example":{"grade":"strong","score":74.2,"source":"deterministic in-process finance calculator; no upstream API","drivers":[{"name":"debt_service_coverage","note":"1.42x DSCR","score":83.6,"weight":0.3}],"metrics":{"housing_dti_pct":28.55,"total_monthly_payment":4568.21},"warnings":[],"calculator":"mortgage-payment-calculator","recommendation":"Proceed with standard diligence and covenant checks."}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","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_G0v6bxOG-0iS0fVYVZn-K","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates total monthly mortgage payment (PITI: Principal, Interest, Taxes, Insurance) and returns an affordability score, grade, DTI ratio, and recommendation for a given home purchase scenario.","exampleAgentPrompt":"Can you calculate the full monthly PITI payment and affordability score for a $450,000 home with a 20% down payment, 6.75% annual rate, 30-year term, $5,000 annual property tax, $1,200 annual homeowners insurance, and my gross monthly income is $12,000?","exampleUseCases":[{"title":"First-time buyer affordability check","prompt":"I'm looking at a $380,000 home — I have $40,000 for a down payment, the rate is 7.1%, 30-year term, property taxes run about $4,800 a year, insurance is $900 a year, and I make $9,500 a month gross. Can you tell me my total monthly payment and whether this is affordable for me?"},{"title":"Rental property investment analysis","prompt":"Run the mortgage numbers on a $625,000 rental property: 25% down, 7.25% rate, 30-year loan, $7,200 annual taxes, $1,500 annual insurance, $250/month HOA, and $0.8% PMI per month. I want to see the total monthly payment, DSCR, and an affordability grade."},{"title":"Mortgage comparison for refinance scenario","prompt":"Can you calculate the PITI and affordability score for a $320,000 refinance at 6.5% over 15 years, with $3,600/year property tax and $800/year insurance? My gross monthly income is $10,000 — I want to see my housing DTI."}],"resultDescription":"Returns a JSON object with: total monthly PITI payment, an affordability score (0–100), an affordability grade (e.g. 'strong'), housing DTI percentage, DSCR, an array of score drivers with individual weights and sub-scores, any warnings (e.g. high DTI), the calculator name, and a plain-English recommendation (e.g. 'Proceed with standard diligence').","failureModes":["Missing required fields (home_price, annual_rate, term_years) returns a 400-level error","Non-numeric or negative values for financial inputs may cause calculation errors","Very high DTI or unrealistic inputs may produce low scores and warning arrays but still return 200","No gross_monthly_income provided means DTI fields will be absent or null in the response"],"whenToPreferThis":"Use this endpoint when you need a deterministic, server-side mortgage payment calculation with built-in affordability scoring and DTI analysis — no external data source or credit bureau is required. Prefer this over generic financial calculators when you want a structured score, grade, and recommendation alongside the raw payment figure. Ideal for real estate agents, lending pre-qualification flows, or investment property analysis within AI agent pipelines.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T12:38:55.445Z","isFirstParty":false,"canonicalSlug":"piti-calculator-mortgage-payment-affordability-scorer-2a29ede9"}