{"uid":"cap_w1JFw-6bteUTcHd_CcALR","slug":"mortgage-payment-qualification-calculator-api-620c45aa","name":"Mortgage Payment & Qualification Calculator API","description":"Pay-per-call mortgage tools for AI real-estate and home-buying agents: monthly payment, affordability, and qualification against general agency guidelines. Educational estimates only — not a pre-approval, rate quote, or financial advice.","url":"https://mortgage.homelending.online/payment","method":"POST","headers":{},"bodySchema":{"type":"object","required":["interest_rate"],"properties":{"county":{"type":"string"},"home_price":{"type":"number"},"term_years":{"type":"number"},"hoa_monthly":{"type":"number"},"loan_amount":{"type":"number"},"down_payment":{"type":"number"},"interest_rate":{"type":"number"},"insurance_rate":{"type":"number"},"down_payment_pct":{"type":"number"},"property_tax_rate":{"type":"number"},"include_amortization":{"type":"boolean"}}},"responseSchema":{"type":"object","properties":{"ltv":{"type":"number"},"pmi":{"type":"number"},"is_jumbo":{"type":"boolean"},"disclaimer":{"type":"string"},"monthly_pi":{"type":"number"},"total_piti":{"type":"number"},"loan_amount":{"type":"number"}}},"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_DP_1DpPj5phg8EZMgwcL-","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":"Calculates monthly mortgage payment (P&I), total PITI, LTV, PMI, and jumbo loan status from loan parameters against general agency guidelines","exampleAgentPrompt":"What would my monthly mortgage payment be on a $450,000 home with 10% down at a 7.25% interest rate over 30 years, including property tax at 1.2% and $150/month HOA — and will I need PMI?","exampleUseCases":[{"title":"First-time buyer affordability check","prompt":"I'm looking at a $380,000 home and can put $20,000 down. The interest rate is 6.875% on a 30-year loan. Can you tell me what my monthly payment would be, whether I'll owe PMI, and what my LTV looks like?"},{"title":"Jumbo loan threshold assessment","prompt":"I'm considering buying a home in Los Angeles County priced at $1,200,000 with 20% down at 7.5% for 30 years — will this be considered a jumbo loan and what's the estimated monthly P&I and full PITI with a 1.1% property tax rate?"},{"title":"Down payment optimization for PMI avoidance","prompt":"If I'm buying a $525,000 home at 6.5% for 30 years, calculate my monthly payment and LTV if I put exactly 20% down — I want to confirm I won't be charged PMI and see the full PITI breakdown."}],"resultDescription":"Returns the monthly principal and interest payment (monthly_pi), total PITI payment including taxes, insurance, and HOA (total_piti), loan-to-value ratio (ltv), PMI cost (pmi), whether the loan is jumbo (is_jumbo), the computed loan amount (loan_amount), and a legal disclaimer noting estimates are educational only and not a pre-approval or financial advice.","failureModes":["Missing required interest_rate field returns a validation error","Conflicting loan parameters (e.g. both loan_amount and home_price+down_payment provided) may produce unexpected results","Extremely low or high interest rates outside realistic ranges may yield implausible estimates","Missing home_price or loan_amount prevents full PITI calculation; partial results may be returned","County not recognized may result in missing county-level conforming loan limit data for jumbo determination"],"whenToPreferThis":"Use this endpoint when you need a quick, pay-per-call mortgage payment estimate for real estate or home-buying agent workflows, particularly when you need PMI detection, jumbo loan flagging, and full PITI breakdown in a single call. Prefer this over generic calculators when building AI agents that need structured JSON output including LTV and amortization. Not suitable for obtaining actual rate quotes, pre-approvals, or binding financial advice.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:38:01.932Z","isFirstParty":false}