# Self-Employed Mortgage Affordability Calculator

> 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.

## Facts

- Endpoint: POST https://x402toll.com/v1/mortgage-affordability
- 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/self-employed-mortgage-affordability-calculator-7dc664d5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_YleCmCv9YZRRtZQEPYEhw

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 self-employed-mortgage-affordability-calculator-7dc664d5 -d '<json body>'
```

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%?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "addBacks": {
   "type": "number",
   "default": 0
  },
  "termYears": {
   "enum": [
    15,
    20,
    30
   ],
   "type": "number",
   "default": 30
  },
  "backDTIPct": {
   "type": "number",
   "default": 36
  },
  "monthlyHOA": {
   "type": "number",
   "default": 0
  },
  "pmiRatePct": {
   "type": "number",
   "default": 0.6
  },
  "downPayment": {
   "type": "number",
   "default": 0
  },
  "frontDTIPct": {
   "type": "number",
   "default": 28
  },
  "monthlyDebts": {
   "type": "number",
   "default": 0
  },
  "propertyTaxPct": {
   "type": "number",
   "default": 1.1
  },
  "year1NetIncome": {
   "type": "number"
  },
  "year2NetIncome": {
   "type": "number"
  },
  "annualInsurance": {
   "type": "number",
   "default": 1500
  },
  "interestRatePct": {
   "type": "number",
   "default": 6.5
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/self-employed-mortgage-affordability-calculator-7dc664d5/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)