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Saylor Innovations Mortgage Affordability Calculator
x402
Saylor Innovations Mortgage Affordability Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).
Calculates maximum home price and loan amount from income, debts, down payment, and mortgage rate using the 28/36 qualifying rules, including tax, insurance, and HOA in the monthly total
Price / call$0.01
Success—
StatusUnknown
How this service works
Maximum home price and loan from income, debts, down payment and rate using the 28/36 rules, with tax, insurance and HOA in the monthly total
Output
Returns the maximum affordable home price, maximum loan amount, and maximum monthly housing payment, along with a detailed monthly breakdown (principal & interest, property tax, insurance, HOA), which of the 28/36 rules is the binding constraint, whether the purchase is affordable, and a note providing context on the calculation.
Example use cases
First-time buyer budget check
“I make $75,000 a year, have no monthly debts, and I've saved $20,000 for a down payment. With today's rate around 7.1%, what's the most expensive home I can realistically afford?”
Couple qualifying with existing debts
“My partner and I have a combined annual income of $140,000, monthly debt payments of $1,200 between us, a $60,000 down payment, and we're seeing 6.5% APR on 30-year mortgages — what's the max home price we'd qualify for under the 28/36 rule?”
Pre-offer sanity check on a listing
“I'm looking at a house listed at $425,000 — I earn $110,000 a year, have $500 in monthly debts, $85,000 down, and the rate is 7.0%. Does my budget actually support this purchase?”
Technical details
Endpoint
GEThttps://saylorinnovations.com/api/finance/mortgage-affordability?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, rule-based mortgage affordability estimate grounded in the standard 28/36 debt-to-income guidelines, including realistic monthly cost components like property tax, insurance, and HOA. It is ideal for pre-qualification checks, home search budget-setting, or validating whether a specific property price is within a buyer's reach before involving a lender.
Side effects
- Missing required parameters (annual_income or apr) returns an error
- Non-numeric or malformed parameter values may return a validation error
- Extremely low income or very high APR may result in a $0 or non-affordable result with affordable=false
- Down payment or monthly debts specified as negative values may produce unexpected results
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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