{"uid":"cap_dUpgqM4s_lhstPWhWRGqD","slug":"x402toll-real-estate-affordability-calculator-8e92a934","name":"x402toll Real Estate Affordability Calculator","description":"Max home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve.","url":"https://x402toll.com/v1/realestate/affordability","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apr":{"type":"number","default":6.5},"backDtiPct":{"type":"number","default":36},"pmiRatePct":{"type":"number","default":0.5},"termMonths":{"type":"number","default":360},"downPayment":{"type":"number","default":0},"frontDtiPct":{"type":"number","default":28},"monthlyDebts":{"type":"number","default":0},"propertyTaxPct":{"type":"number","default":1.1},"annualInsurance":{"type":"number","default":1500},"grossAnnualIncome":{"type":"number"}}},"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_LrOyU98EpD0ciptf36Sky","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 maximum home price a W-2 buyer can afford based on gross income, debts, DTI limits, down payment, and PMI-aware mortgage math.","exampleAgentPrompt":"What's the most expensive home I can afford if I make $120,000 a year, have $800 in monthly debt payments, can put $20,000 down, and am looking at a 6.5% APR on a 30-year mortgage with a 28% front DTI and 36% back DTI limit?","exampleUseCases":null,"resultDescription":"Returns the maximum affordable home price, corresponding maximum loan amount, estimated monthly payment breakdown, resulting front and back DTI percentages, and whether PMI applies — all computed using iterative solve accounting for PMI on loans above 80% LTV.","failureModes":["Missing required grossAnnualIncome field returns a validation error","Infeasible combination of debts and DTI limits (debts alone exceed DTI cap) may return zero or error","Extremely low down payment relative to price may cause PMI convergence issues","Invalid APR or term values may return computation errors"],"whenToPreferThis":"Use this endpoint when you need a PMI-aware, DTI-constrained maximum home price solve for a W-2 buyer — it correctly back-solves for price accounting for the fact that PMI disappears above 20% down, which simpler calculators miss. Prefer it over generic mortgage calculators when you need both front (housing) and back (total debt) DTI constraints applied simultaneously.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T06:40:36.595Z","isFirstParty":false}