# GoCreative Mortgage Affordability Calculator

> GoCreative Mortgage Affordability Calculator is a paid API for AI agents from api.gocreativeai.com, paid per call via x402, $0.005/call, status unknown (last checked 2026-09-09).

Calculates how much house you can afford based on financial inputs like income, debts, and down payment

## Facts

- Endpoint: GET https://api.gocreativeai.com/v1/calc/mortgage-affordability/%7Barg%7D
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-09
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/gocreative-mortgage-affordability-calculator-8939f9e8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rmjv_smUY1P2vlIxB9haz

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability gocreative-mortgage-affordability-calculator-8939f9e8
```

Example prompt: How much house can I afford if I earn $95,000 a year, have $1,200 in monthly debt payments, and can put $40,000 down — assuming a 7% interest rate on a 30-year mortgage?

## When to prefer this

Use this endpoint when an agent or user needs a quick, pay-per-call mortgage affordability estimate without requiring API key setup or account creation. Ideal for AI agents operating in agentic finance or real-estate workflows that use x402 micropayments on Base (USDC). Prefer over free calculators when the agent already has a payment wallet and needs programmatic JSON output.

## Known failure modes

- Missing or malformed input argument returns 400 Bad Request
- Payment not provided or rejected returns 402 Payment Required
- Input values out of range (e.g. negative income) may return 422 or error JSON
- Server-side calculation failure returns 500 Internal Server Error

## How this service works

Keyless, pay-per-call compliance & regulated-data API for AI agents — OFAC wallet + sanctions/PEP + KYB screening, SEC filings, FRED economics, FDA recalls, federal awards, plus continuous monitoring. USDC on Base/Solana via x402, native MCP. No API key, no signup.

## Output

Returns a computed mortgage affordability result indicating the maximum home price, affordable loan amount, and/or estimated monthly payment based on the provided financial inputs such as income, debts, down payment, and interest rate.

## Request schema (JSON Schema)

```json
{
 "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"
    },
    "pathParams": {
     "type": "object"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "input"
     ],
     "properties": {
      "input": {
       "type": "string",
       "description": "endpoint argument"
      }
     }
    }
   },
   "additionalProperties": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gocreative-mortgage-affordability-calculator-8939f9e8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.gocreativeai.com](https://www.zero.xyz/host/api.gocreativeai.com/llms.txt)