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Locus PITI + Transfer Tax & Closing-Cost Break-Even Calculator
x402
Locus PITI + Transfer Tax & Closing-Cost Break-Even Calculator is a paid API for AI agents from api.locus.report, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-29).
Computes a fixed-rate mortgage's monthly PITI breakdown (principal, interest, taxes, insurance, HOA) plus transfer-tax-inclusive closing costs and a rent-vs-buy break-even worksheet for a US property.
Price / call$0.01
Success—
StatusUnknown
How this service works
Fixed-rate mortgage principal, interest, taxes, insurance, HOA and simple closing-cost break-even worksheet. Returns the same records as locus_property_math_calculator. Use this when your client can only call paid x402 routes. Use locus_property_math_calculator instead when you can call Locus free tools (REST tools/call or MCP).
Output
Returns an itemized monthly payment breakdown (principal, interest, taxes, insurance, HOA), estimated transfer taxes, total closing cost figure, and a month-by-month break-even comparison between buying and renting — mirroring the same record set as the free locus_property_math_calculator tool.
Example use cases
First-time buyer affordability check
“I'm looking at a $380,000 condo at 55 Main St, Denver CO 80203 — can you tell me what my monthly PITI would be with 10% down, a 6.9% 30-year fixed rate, $250/month HOA, 0.5% annual property tax rate, and $900/year for homeowners insurance?”
Rent vs. buy break-even analysis
“Help me figure out how many months it would take to break even buying instead of renting — the home is $650,000 in zip 94103 CA, I'd put 25% down at 7.1% for 30 years, closing costs are $18,000, and I'm currently paying $3,200/month in rent.”
Investor property cost modeling
“What are the all-in monthly carrying costs on a $275,000 rental property at 820 Elm St, Memphis TN 38104 — assuming 15% down, 7.5% interest, 15-year term, 1.8% annual property tax rate, $1,100/year insurance, no HOA, and $8,500 in closing costs?”
Technical details
Endpoint
POSThttps://api.locus.report/api/locus-piti-transfer-tax-calculator?utm_source=zero.xyzWhen to prefer
Choose this paid x402 endpoint when your agent runtime cannot call Locus free REST or MCP tools (locus_property_math_calculator). It is otherwise functionally identical — same inputs, same output records — but costs $0.01 USDC per call. Prefer the free sibling when available. Use this endpoint when operating in a paid-only agentic context, when integrating with x402-compatible payment infrastructure, or when you need a reliable, metered call with guaranteed SLA.
Side effects
- Invalid or missing zip code (must be 5-digit US zip) returns validation error
- purchasePrice of 0 or negative triggers exclusiveMinimum constraint failure
- interestRatePercent or downPaymentPercent out of 0-100 range returns schema error
- Missing required fields (purchasePrice, loanAmount, or interestRatePercent) returns 400 bad request
- Payment failure on x402 route results in 402 Payment Required with no calculation returned
- State abbreviation not matching 2-letter format returns validation error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| zip | string | |
| state | string | |
| address | string | |
| termYears | number | |
| loanAmount | number | |
| monthlyHoa | number | |
| purchasePrice | number | |
| monthlySavings | number | |
| closingCostAmount | number | |
| downPaymentPercent | number | |
| interestRatePercent | number | |
| annualHomeownersInsurance | number | |
| annualPropertyTaxRatePercent | number |
Tags
x402
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