# Mortgage Points Break-Even Calculator

> Mortgage Points Break-Even 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).

Calculates whether buying discount points is worthwhile by computing monthly payment savings from a rate buydown and the break-even month when upfront cost is recovered

## Facts

- Endpoint: POST https://x402toll.com/v1/lending/mortgage-points
- 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/mortgage-points-break-even-calculator-74fc86f1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bPEwXq3L3YMSsiGfE2vyQ

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-points-break-even-calculator-74fc86f1 -d '<json body>'
```

Example prompt: I'm taking out a $400,000 mortgage at 7.2% APR, but I can buy down the rate to 6.75% APR by paying $6,000 in discount points upfront on a 30-year loan — can you tell me how much I'd save each month and how many months it would take to break even?

## When to prefer this

Use this endpoint when a borrower wants a quick, specific calculation of mortgage point economics — i.e., monthly savings and break-even timeline — rather than a full rent-vs-buy or amortization comparison. Ideal for pre-closing decision support when the user already has two rate quotes (with and without points) and wants to know if paying upfront makes sense given how long they plan to stay.

## Known failure modes

- Missing required fields (baseApr, buydownApr, loanAmount, pointsCost) returns validation error
- buydownApr greater than or equal to baseApr yields no savings / negative break-even result
- Negative or zero loanAmount or pointsCost may cause computation errors
- Extremely short termMonths may result in break-even month exceeding the loan term

## How this service works

Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month.

## Output

Returns the monthly payment savings achieved by the rate buydown and the break-even month (the month at which the cumulative monthly savings equal the upfront cost of the points), helping the borrower decide whether buying points makes financial sense given their expected time in the home.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "baseApr": {
   "type": "number"
  },
  "buydownApr": {
   "type": "number"
  },
  "loanAmount": {
   "type": "number"
  },
  "pointsCost": {
   "type": "number"
  },
  "termMonths": {
   "type": "number",
   "default": 360
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/mortgage-points-break-even-calculator-74fc86f1/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)