{"uid":"cap_tGZAlejUlT_Mew5V5N_2Q","slug":"sindri-mortgage-comparison-calculator-15-year-vs-30-year-4ef655b1","name":"Sindri Mortgage Comparison Calculator (15-Year vs 30-Year)","description":"15-year vs 30-year mortgage comparison calculator. Computes monthly payment and total interest for both loan terms on the same purchase price and down payment, and reports the payment and lifetime-interest tradeoff between them.","url":"https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/mortgageComparisonCalculator?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"purchasePrice":{"type":"number","description":"Home purchase price."},"interestRate15":{"type":"number","description":"Annual interest rate for the 15-year loan, as a fraction."},"interestRate30":{"type":"number","description":"Annual interest rate for the 30-year loan, as a fraction."},"downPaymentPercent":{"type":"number","default":0.2,"description":"Down payment as a fraction of purchase price (0-1). Default 0.2."}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","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":"$0.01/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_YcLDvICILqQdU3e2jc9Zz","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes and compares monthly payments and total lifetime interest for both 15-year and 30-year mortgage terms given a purchase price, down payment, and respective interest rates.","exampleAgentPrompt":"Compare a 15-year mortgage at 6.25% and a 30-year mortgage at 6.75% on a $450,000 home with 20% down — show me the monthly payments and how much total interest I'd save going with the shorter term.","exampleUseCases":[{"title":"First-time homebuyer loan term decision","prompt":"I'm buying a $380,000 house with 20% down. The bank offered me 6.0% for 15 years or 6.75% for 30 years. Can you calculate both monthly payments and tell me how much interest I'd save over the life of the loan if I go with the 15-year?"},{"title":"Refinance term comparison","prompt":"I'm refinancing my home worth $520,000 and putting 25% down. I'm weighing a 15-year refi at 5.9% versus a 30-year at 6.5%. What's the difference in monthly payments and total interest paid?"},{"title":"Real estate investment analysis","prompt":"For a $650,000 investment property with 30% down, compare a 15-year mortgage at 7.0% versus a 30-year at 7.5% — I want to see the monthly payment gap and the lifetime interest savings."}],"resultDescription":"Returns computed monthly payment amounts and total interest paid for both the 15-year and 30-year loan scenarios, along with the delta between them — showing how much more the 15-year costs monthly and how much interest it saves over the full loan lifetime.","failureModes":["Missing required fields (purchasePrice, interestRate15, or interestRate30) returns an error","Interest rates provided as percentages (e.g. 6.5) instead of fractions (e.g. 0.065) may produce unrealistic results","Negative or zero purchase price causes computation errors","Down payment fraction outside 0-1 range may produce invalid results","AWS Lambda cold start may cause slightly elevated first-call latency"],"whenToPreferThis":"Use this endpoint when a user specifically wants to compare 15-year and 30-year mortgage terms side-by-side in a single call, seeing both monthly payment and total interest tradeoffs simultaneously. Prefer it over generic mortgage calculators when the core question is about the term-length decision rather than just computing a single loan's payment.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-02T18:47:06.530Z","isFirstParty":false,"canonicalSlug":"sindri-mortgage-comparison-calculator-15-year-vs-30-year-4ef655b1"}