# PropPulse True Affordability Calculator

> PropPulse True Affordability Calculator is a paid API for AI agents from proppulse-gules.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Computes the full monthly cost of homeownership including PITI, PMI, maintenance, and HOA to provide a realistic affordability check

## Facts

- Endpoint: GET https://proppulse-gules.vercel.app/api/prop/afford
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/proppulse-true-affordability-calculator-52af3cf4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_doYAMJk9iDbwEdrCWPawG

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 proppulse-true-affordability-calculator-52af3cf4
```

Example prompt: Can you run a full affordability reality check on a $520,000 home — I'm putting 10% down, my income is $110,000 a year, the HOA is $250/month, and I want to see the PITI breakdown plus PMI and a maintenance estimate to see if I can truly afford it?

## When to prefer this

Choose this endpoint when a user needs the complete true cost of homeownership beyond just the mortgage payment — specifically when PMI, HOA, maintenance, and PITI components all need to be surfaced together for a realistic affordability verdict. Prefer over a simple mortgage calculator when the user wants a holistic budget reality check.

## Known failure modes

- Missing required property price or income inputs returns a 400 error
- Invalid or out-of-range property values may return computation errors
- Incomplete HOA or tax rate data may result in estimates based on regional defaults
- Payment failure or insufficient USDC balance returns 402 Payment Required

## How this service works

Home affordability calculator (how much house can I afford): max and recommended purchase price, true monthly cost with full PITI plus PMI, maintenance, and HOA, plus DTI ratio against income and debt for any ZIP. For homebuyer and personal-finance agents.

## Output

Returns a detailed monthly cost breakdown including principal and interest, property taxes, homeowner's insurance, PMI (if applicable), HOA fees, and estimated maintenance costs, along with an overall affordability assessment and likely debt-to-income ratio signal.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "zip": {
       "type": "string",
       "description": "legacy alias for location, implies country=US"
      },
      "debt": {
       "type": "string",
       "description": "800 (monthly debt payments)"
      },
      "down": {
       "type": "string",
       "description": "80000 (down payment)"
      },
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | zh | pt | ar"
      },
      "income": {
       "type": "string",
       "description": "120000 (annual gross household income, local currency)"
      },
      "country": {
       "type": "string",
       "description": "US | UK | CA | DE | AU | IN (optional)"
      },
      "location": {
       "type": "string",
       "description": "Manchester | Bengaluru | 78701"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "dti_ratio": 0.36,
  "loan_type": "Conventional 30yr",
  "loan_amount": 380000,
  "rate_assumed": 6.85,
  "monthly_payment": 2840,
  "recommended_price": 460000,
  "max_purchase_price": 520000
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/proppulse-true-affordability-calculator-52af3cf4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from proppulse-gules.vercel.app](https://www.zero.xyz/host/proppulse-gules.vercel.app/llms.txt)