# Locus PITI + Transfer Tax & Closing-Cost Break-Even Calculator

> 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.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-piti-transfer-tax-calculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-piti-transfer-tax-closing-cost-break-even-calculator-b9a811e0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_1TelExhXaA3IC0jqalS9m

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 locus-piti-transfer-tax-closing-cost-break-even-calculator-b9a811e0 -d '<json body>'
```

Example prompt: Can you calculate the full monthly PITI breakdown for a $525,000 home at 1247 Oak Ave, Austin TX 78701 — I'm putting 20% down, 6.75% interest rate on a 30-year fixed, $350/month HOA, and 2.1% annual property tax rate, with $1,200/year homeowners insurance? Also factor in $12,000 in closing costs and $2,000/month in rent savings to show me the break-even timeline.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "zip": {
   "type": "string",
   "pattern": "^\\d{5}$"
  },
  "state": {
   "type": "string",
   "pattern": "^[A-Za-z]{2}$"
  },
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 2
  },
  "termYears": {
   "type": "number",
   "default": 30,
   "maximum": 50,
   "exclusiveMinimum": 0
  },
  "loanAmount": {
   "type": "number",
   "maximum": 1000000000000,
   "minimum": 0
  },
  "monthlyHoa": {
   "type": "number",
   "default": 0,
   "maximum": 1000000000000,
   "minimum": 0
  },
  "purchasePrice": {
   "type": "number",
   "maximum": 1000000000000,
   "exclusiveMinimum": 0
  },
  "monthlySavings": {
   "type": "number",
   "maximum": 1000000000000,
   "minimum": 0
  },
  "closingCostAmount": {
   "type": "number",
   "maximum": 1000000000000,
   "minimum": 0
  },
  "downPaymentPercent": {
   "type": "number",
   "maximum": 100,
   "minimum": 0
  },
  "interestRatePercent": {
   "type": "number",
   "maximum": 100,
   "minimum": 0
  },
  "annualHomeownersInsurance": {
   "type": "number",
   "default": 0,
   "maximum": 1000000000000,
   "minimum": 0
  },
  "annualPropertyTaxRatePercent": {
   "type": "number",
   "maximum": 100,
   "minimum": 0
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-piti-transfer-tax-closing-cost-break-even-calculator-b9a811e0/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)