# HELOC Payment Calculator

> HELOC Payment Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Computes interest-only payments during the HELOC draw period and amortizing payments when repayment begins, including the payment jump amount.

## Facts

- Endpoint: POST https://x402toll.com/v1/lending/heloc
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/heloc-payment-calculator-2f9fe43f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_OuzqJU4ZicaUNLu5n-ZwP

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 heloc-payment-calculator-2f9fe43f -d '<json body>'
```

Example prompt: What will my HELOC payment be on a $75,000 balance at 6.75% APR — show me the interest-only payment during the 10-year draw period and what it jumps to when the 20-year repayment starts.

## When to prefer this

Use this endpoint when a user wants to understand their HELOC payment obligations — specifically the contrast between low interest-only draw-period payments and higher amortizing repayment-period payments, and the magnitude of the payment jump. Prefer this over generic loan calculators because it models the two-phase HELOC structure explicitly.

## Known failure modes

- Missing required fields (apr, balance) returns validation error
- Negative or zero APR or balance may return error or nonsensical results
- Invalid month values (e.g. repayTermMonths = 0) cause calculation failure
- APR expressed as percentage vs decimal mismatch may produce wildly incorrect output
- Payment failure or insufficient USDC returns 402 error

## How this service works

HELOC payments: interest-only during the draw period and the amortizing payment when repayment begins (the payment jump).

## Output

Returns the interest-only monthly payment during the draw period, the fully amortizing monthly payment once repayment begins, and the dollar amount of the payment jump, based on the provided APR, balance, and term inputs.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apr": {
   "type": "number"
  },
  "balance": {
   "type": "number"
  },
  "repayTermMonths": {
   "type": "number",
   "default": 240
  },
  "drawPeriodMonths": {
   "type": "number",
   "default": 120
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/heloc-payment-calculator-2f9fe43f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)