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Mortgage Payment & Qualification Calculator API
x402
Mortgage Payment & Qualification Calculator API is a paid API for AI agents from mortgage.homelending.online, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).
Calculates monthly mortgage payment (P&I), total PITI, LTV, PMI, and jumbo loan status from loan parameters against general agency guidelines
Price / call$0.01
Success—
StatusUnknown
How this service works
Pay-per-call mortgage tools for AI real-estate and home-buying agents: monthly payment, affordability, and qualification against general agency guidelines. Educational estimates only — not a pre-approval, rate quote, or financial advice.
Output
Returns the monthly principal and interest payment (monthly_pi), total PITI payment including taxes, insurance, and HOA (total_piti), loan-to-value ratio (ltv), PMI cost (pmi), whether the loan is jumbo (is_jumbo), the computed loan amount (loan_amount), and a legal disclaimer noting estimates are educational only and not a pre-approval or financial advice.
Example use cases
First-time buyer affordability check
“I'm looking at a $380,000 home and can put $20,000 down. The interest rate is 6.875% on a 30-year loan. Can you tell me what my monthly payment would be, whether I'll owe PMI, and what my LTV looks like?”
Jumbo loan threshold assessment
“I'm considering buying a home in Los Angeles County priced at $1,200,000 with 20% down at 7.5% for 30 years — will this be considered a jumbo loan and what's the estimated monthly P&I and full PITI with a 1.1% property tax rate?”
Down payment optimization for PMI avoidance
“If I'm buying a $525,000 home at 6.5% for 30 years, calculate my monthly payment and LTV if I put exactly 20% down — I want to confirm I won't be charged PMI and see the full PITI breakdown.”
Technical details
Endpoint
POSThttps://mortgage.homelending.online/paymentWhen to prefer
Use this endpoint when you need a quick, pay-per-call mortgage payment estimate for real estate or home-buying agent workflows, particularly when you need PMI detection, jumbo loan flagging, and full PITI breakdown in a single call. Prefer this over generic calculators when building AI agents that need structured JSON output including LTV and amortization. Not suitable for obtaining actual rate quotes, pre-approvals, or binding financial advice.
Side effects
- Missing required interest_rate field returns a validation error
- Conflicting loan parameters (e.g. both loan_amount and home_price+down_payment provided) may produce unexpected results
- Extremely low or high interest rates outside realistic ranges may yield implausible estimates
- Missing home_price or loan_amount prevents full PITI calculation; partial results may be returned
- County not recognized may result in missing county-level conforming loan limit data for jumbo determination
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| county | string | |
| home_price | number | |
| term_years | number | |
| hoa_monthly | number | |
| loan_amount | number | |
| down_payment | number | |
| interest_raterequired | number | |
| insurance_rate | number | |
| down_payment_pct | number | |
| property_tax_rate | number | |
| include_amortization | boolean |
Output
Schema · Response
| Field | Type | Description |
|---|---|---|
| ltv | number | |
| pmi | number | |
| is_jumbo | boolean | |
| disclaimer | string | |
| monthly_pi | number | |
| total_piti | number | |
| loan_amount | number |
Tags
x402
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