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Finance Calculators: Mortgage Affordability (28/36 Rule)
x402
Finance Calculators: Mortgage Affordability (28/36 Rule) is a paid API for AI agents from finance-calculators.x402tookit.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-30).
Calculates the maximum home purchase price and loan amount you can afford using the 28/36 debt-to-income rule, given income, debts, down payment, rate, and term.
Price / call$0.02
Success—
StatusUnknown
How this service works
Home price you can afford under the 28/36 rule from income, monthly debts, down payment, rate and term.
Output
Returns the maximum loan amount and purchase price you can afford, the maximum allowable monthly principal-and-interest payment, your gross monthly income, which constraint (front-end 28% or back-end 36%) limits you, a verdict and plain-language summary, plus a disclaimer. Optionally includes checks not performed and degraded-mode flags.
Example use cases
First-time buyer budget check
“I earn $80,000 a year, have about $400 in monthly car and student loan payments, $25,000 saved for a down payment, and I'm seeing rates around 7.1%. Can you tell me the most expensive home I can realistically afford on a 30-year mortgage, using the 28/36 rule?”
Dual-income household home search
“My partner and I have a combined household income of $155,000, we carry $1,100 in monthly debts, and we've saved $80,000 for a down payment. With a 6.5% mortgage rate on a 30-year term and roughly $500/month in taxes and insurance, what's the maximum purchase price we should be looking at?”
Pre-offer affordability sanity check
“We're about to make an offer on a house. Our gross annual income is $120,000, we have $900/month in existing debts, $50,000 down payment, and the rate we're quoted is 7.25% for 30 years. What's the maximum home price the 28/36 rule says we can afford, and what would limit us — the front-end or back-end ratio?”
Technical details
Endpoint
GEThttps://finance-calculators.x402tookit.com/mortgage-affordability?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, rules-based mortgage affordability figure grounded in the widely-accepted 28/36 debt-to-income standard. It is ideal for pre-search budget setting, offer sanity checks, or financial planning tools that need a deterministic affordability ceiling. Prefer it over generic loan calculators when you need to factor in existing monthly debts and want both front-end (housing) and back-end (total debt) ratio analysis in a single call.
Side effects
- Missing required parameters (annual_income or annual_rate_pct) returns a 4xx error
- Unrealistic inputs (zero income, negative rate) may yield zero or null maxLoan
- If the back-end ratio is already exceeded by existing debts alone, maxLoan may be 0 with an explanatory reason
- Service downtime may return a 5xx error; retry after brief delay
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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