{"uid":"cap_ZHHdinWQlKr1OG3TVFagj","slug":"x402toll-pmi-calculator-ba6f68ff","name":"x402toll PMI Calculator","description":"Monthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act).","url":"https://x402toll.com/v1/realestate/pmi","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apr":{"type":"number"},"homeValue":{"type":"number"},"loanAmount":{"type":"number"},"pmiRatePct":{"type":"number","default":0.5},"termMonths":{"type":"number","default":360}}},"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_vmFUfqKcYM6yrSIxeVN3z","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 monthly PMI cost and the month PMI auto-cancels at 78% LTV under the Homeowners Protection Act","exampleAgentPrompt":"I'm buying a home valued at $450,000 with a loan amount of $380,000 at 6.8% APR on a 30-year mortgage — can you tell me what my monthly PMI will be at the default 0.5% PMI rate and exactly which month it auto-cancels when I hit 78% of the original home value?","exampleUseCases":null,"resultDescription":"Returns the monthly PMI dollar amount and the specific month number (from loan origination) when PMI legally auto-cancels under the Homeowners Protection Act at 78% of original home value, based on a simulated amortization schedule","failureModes":["Missing required fields (apr, homeValue, loanAmount) returns a 400 validation error","Loan amount exceeding home value (LTV > 100%) may produce unexpected or error results","Invalid numeric types for input fields return schema validation errors","PMI rate of 0 may return a zero-cost result with immediate or no cancellation date","Payment required (402) if USDC payment header is missing or insufficient"],"whenToPreferThis":"Use this endpoint when a user needs to know both the ongoing monthly PMI cost and the precise cancellation milestone for a conventional US mortgage — especially when the Homeowners Protection Act 78% automatic cancellation rule is relevant. Prefer over generic mortgage calculators when the output must include the specific month PMI drops off.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:32:10.857Z","isFirstParty":false}