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Self-Employed Mortgage Affordability Calculator
x402
Self-Employed Mortgage Affordability 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 maximum home purchase price for self-employed borrowers using 2-year income averaging, add-backs, declining-income rules, front/back DTI limits, and PMI-aware computation.
Price / call$0.05
Success—
StatusUnknown
How this service works
Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.
Output
Returns the maximum qualifying home purchase price computed from the 2-year average (or lower of the two years if declining), adjusted for add-backs, and then solved backward through front/back DTI limits, PMI threshold, property tax, insurance, HOA, and monthly debt obligations to find the binding constraint.
Example use cases
Example prompt
“I'm self-employed — my net income was $85,000 in year 1 and $95,000 in year 2 with $8,000 in add-backs. I have $50,000 for a down payment, $500 in monthly debts, and I'm looking at a 30-year loan at 6.5% interest. Can you tell me the maximum home price I can qualify for, keeping front DTI at 28% and back DTI at 36%?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/mortgage-affordabilityWhen to prefer
Use this endpoint specifically when the borrower is self-employed and has two years of net income to average — it handles the IRS add-back convention, the declining-income penalty rule, and solves max price accounting for PMI disappearing at 80% LTV. Prefer over a generic mortgage calculator when 1099/Schedule C income averaging and DTI dual-limit solving are both required.
Side effects
- Missing required year1NetIncome or year2NetIncome fields returns a 422 validation error
- Infeasible DTI constraints (e.g. debts already exceed back DTI limit at any price) may return a zero or error result
- Invalid enum value for termYears (not 15, 20, or 30) returns a schema validation error
- Negative or zero income values may produce nonsensical results
- Down payment exceeding plausible home price may cause solver edge cases
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| addBacks | number | |
| termYears | number | |
| backDTIPct | number | |
| monthlyHOA | number | |
| pmiRatePct | number | |
| downPayment | number | |
| frontDTIPct | number | |
| monthlyDebts | number | |
| propertyTaxPct | number | |
| year1NetIncome | number | |
| year2NetIncome | number | |
| annualInsurance | number | |
| interestRatePct | number |
Tags
x402
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