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PITI Calculator (Mortgage Payment & Affordability Scorer)
x402
PITI Calculator (Mortgage Payment & Affordability Scorer) is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-31).
Calculates total monthly mortgage payment (PITI: Principal, Interest, Taxes, Insurance) and returns an affordability score, grade, DTI ratio, and recommendation for a given home purchase scenario.
Price / call$0.01
Success—
StatusUnknown
How this service works
817 pay-per-call APIs for AI agents. Every endpoint is POST /<name> and is payable in USDC over x402 on Base and Solana — no signup, no API key, just pay-per-call. GET https://x402.agentutility.ai/ returns the same catalog as machine-readable JSON.
Output
Returns a JSON object with: total monthly PITI payment, an affordability score (0–100), an affordability grade (e.g. 'strong'), housing DTI percentage, DSCR, an array of score drivers with individual weights and sub-scores, any warnings (e.g. high DTI), the calculator name, and a plain-English recommendation (e.g. 'Proceed with standard diligence').
Example use cases
First-time buyer affordability check
“I'm looking at a $380,000 home — I have $40,000 for a down payment, the rate is 7.1%, 30-year term, property taxes run about $4,800 a year, insurance is $900 a year, and I make $9,500 a month gross. Can you tell me my total monthly payment and whether this is affordable for me?”
Rental property investment analysis
“Run the mortgage numbers on a $625,000 rental property: 25% down, 7.25% rate, 30-year loan, $7,200 annual taxes, $1,500 annual insurance, $250/month HOA, and $0.8% PMI per month. I want to see the total monthly payment, DSCR, and an affordability grade.”
Mortgage comparison for refinance scenario
“Can you calculate the PITI and affordability score for a $320,000 refinance at 6.5% over 15 years, with $3,600/year property tax and $800/year insurance? My gross monthly income is $10,000 — I want to see my housing DTI.”
Technical details
Endpoint
POSThttps://x402.agentutility.ai/piti-calculator?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a deterministic, server-side mortgage payment calculation with built-in affordability scoring and DTI analysis — no external data source or credit bureau is required. Prefer this over generic financial calculators when you want a structured score, grade, and recommendation alongside the raw payment figure. Ideal for real estate agents, lending pre-qualification flows, or investment property analysis within AI agent pipelines.
Side effects
- Missing required fields (home_price, annual_rate, term_years) returns a 400-level error
- Non-numeric or negative values for financial inputs may cause calculation errors
- Very high DTI or unrealistic inputs may produce low scores and warning arrays but still return 200
- No gross_monthly_income provided means DTI fields will be absent or null in the response
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"grade": "strong",
"score": 74.2,
"source": "deterministic in-process finance calculator; no upstream API",
"drivers": [
{
"name": "debt_service_coverage",
"note": "1.42x DSCR",
"score": 83.6,
"weight": 0.3
}
],
"metrics": {
"housing_dti_pct": 28.55,
"total_monthly_payment": 4568.21
},
"warnings": [],
"calculator": "mortgage-payment-calculator",
"recommendation": "Proceed with standard diligence and covenant checks."
}
}Tags
x402
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