{"uid":"cap_doYAMJk9iDbwEdrCWPawG","slug":"proppulse-true-affordability-calculator-52af3cf4","name":"PropPulse True Affordability Calculator","description":"Home affordability calculator (how much house can I afford): max and recommended purchase price, true monthly cost with full PITI plus PMI, maintenance, and HOA, plus DTI ratio against income and debt for any ZIP. For homebuyer and personal-finance agents.","url":"https://proppulse-gules.vercel.app/api/prop/afford","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":{"zip":{"type":"string","description":"legacy alias for location, implies country=US"},"debt":{"type":"string","description":"800 (monthly debt payments)"},"down":{"type":"string","description":"80000 (down payment)"},"lang":{"type":"string","description":"en | es | fr | de | zh | pt | ar"},"income":{"type":"string","description":"120000 (annual gross household income, local currency)"},"country":{"type":"string","description":"US | UK | CA | DE | AU | IN (optional)"},"location":{"type":"string","description":"Manchester | Bengaluru | 78701"}}}},"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":{"dti_ratio":0.36,"loan_type":"Conventional 30yr","loan_amount":380000,"rate_assumed":6.85,"monthly_payment":2840,"recommended_price":460000,"max_purchase_price":520000}},"example":null,"exampleRequest":null,"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_cClt-gbEs6LuJJ4cQJm6W","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":"Computes the full monthly cost of homeownership including PITI, PMI, maintenance, and HOA to provide a realistic affordability check","exampleAgentPrompt":"Can you run a full affordability reality check on a $520,000 home — I'm putting 10% down, my income is $110,000 a year, the HOA is $250/month, and I want to see the PITI breakdown plus PMI and a maintenance estimate to see if I can truly afford it?","exampleUseCases":null,"resultDescription":"Returns a detailed monthly cost breakdown including principal and interest, property taxes, homeowner's insurance, PMI (if applicable), HOA fees, and estimated maintenance costs, along with an overall affordability assessment and likely debt-to-income ratio signal.","failureModes":["Missing required property price or income inputs returns a 400 error","Invalid or out-of-range property values may return computation errors","Incomplete HOA or tax rate data may result in estimates based on regional defaults","Payment failure or insufficient USDC balance returns 402 Payment Required"],"whenToPreferThis":"Choose this endpoint when a user needs the complete true cost of homeownership beyond just the mortgage payment — specifically when PMI, HOA, maintenance, and PITI components all need to be surfaced together for a realistic affordability verdict. Prefer over a simple mortgage calculator when the user wants a holistic budget reality check.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:51:12.626Z","isFirstParty":false}