# Mortgage Payment & Qualification Calculator API

> 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

## Facts

- Endpoint: POST https://mortgage.homelending.online/payment
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/mortgage-payment-qualification-calculator-api-620c45aa
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_w1JFw-6bteUTcHd_CcALR

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 mortgage-payment-qualification-calculator-api-620c45aa -d '<json body>'
```

Example prompt: What would my monthly mortgage payment be on a $450,000 home with 10% down at a 7.25% interest rate over 30 years, including property tax at 1.2% and $150/month HOA — and will I need PMI?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "interest_rate"
 ],
 "properties": {
  "county": {
   "type": "string"
  },
  "home_price": {
   "type": "number"
  },
  "term_years": {
   "type": "number"
  },
  "hoa_monthly": {
   "type": "number"
  },
  "loan_amount": {
   "type": "number"
  },
  "down_payment": {
   "type": "number"
  },
  "interest_rate": {
   "type": "number"
  },
  "insurance_rate": {
   "type": "number"
  },
  "down_payment_pct": {
   "type": "number"
  },
  "property_tax_rate": {
   "type": "number"
  },
  "include_amortization": {
   "type": "boolean"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "ltv": {
   "type": "number"
  },
  "pmi": {
   "type": "number"
  },
  "is_jumbo": {
   "type": "boolean"
  },
  "disclaimer": {
   "type": "string"
  },
  "monthly_pi": {
   "type": "number"
  },
  "total_piti": {
   "type": "number"
  },
  "loan_amount": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/mortgage-payment-qualification-calculator-api-620c45aa/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from mortgage.homelending.online](https://www.zero.xyz/host/mortgage.homelending.online/llms.txt)