{"uid":"cap_YTBF9LYjeJ-6XImCmEcQ2","slug":"x402toll-mortgage-payment-calculator-piti-c58b1a52","name":"x402toll Mortgage Payment Calculator (PITI)","description":"Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA.","url":"https://x402toll.com/v1/lending/mortgage-payment","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apr":{"type":"number"},"homePrice":{"type":"number"},"monthlyHOA":{"type":"number","default":0},"pmiRatePct":{"type":"number","default":0},"termMonths":{"type":"number","default":360},"downPayment":{"type":"number","default":0},"propertyTaxPct":{"type":"number","default":0},"annualInsurance":{"type":"number","default":0}}},"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_bp5dUILhgYPzM5tHQ8D_P","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 the full monthly mortgage payment including principal & interest, property tax, insurance, PMI (auto-applied when LTV > 80%), and HOA fees.","exampleAgentPrompt":"What's my full monthly PITI mortgage payment on a $450,000 home with a $90,000 down payment, 6.75% APR, 30-year term, 1.2% property tax, $1,800 annual insurance, $250/month HOA, and no PMI override?","exampleUseCases":null,"resultDescription":"Returns a breakdown of the full monthly mortgage payment: principal & interest component, monthly property tax, monthly insurance, PMI (automatically calculated when LTV exceeds 80%), HOA, and the total all-in monthly payment.","failureModes":["Missing required fields (apr, homePrice) returns a validation error","Negative or zero homePrice/APR returns an error","APR expressed as a whole number instead of decimal may produce unrealistic results","LTV calculation assumes downPayment is subtracted from homePrice; incorrect inputs yield incorrect PMI logic"],"whenToPreferThis":"Use this endpoint when you need a complete, itemized monthly mortgage cost estimate (PITI) rather than just principal & interest. It automatically handles PMI when the down payment results in LTV > 80%, making it ideal for home-buying affordability analysis, rent-vs-buy comparisons, or financial planning without needing to manually compute each cost component.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:52:28.960Z","isFirstParty":false}