# Sindri Mortgage Comparison Calculator (15-Year vs 30-Year)

> Sindri Mortgage Comparison Calculator (15-Year vs 30-Year) is a paid API for AI agents from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-02).

Computes and compares monthly payments and total lifetime interest for both 15-year and 30-year mortgage terms given a purchase price, down payment, and respective interest rates.

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/mortgageComparisonCalculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-mortgage-comparison-calculator-15-year-vs-30-year-4ef655b1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_tGZAlejUlT_Mew5V5N_2Q

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 sindri-mortgage-comparison-calculator-15-year-vs-30-year-4ef655b1 -d '<json body>'
```

Example prompt: Compare a 15-year mortgage at 6.25% and a 30-year mortgage at 6.75% on a $450,000 home with 20% down — show me the monthly payments and how much total interest I'd save going with the shorter term.

## When to prefer this

Use this endpoint when a user specifically wants to compare 15-year and 30-year mortgage terms side-by-side in a single call, seeing both monthly payment and total interest tradeoffs simultaneously. Prefer it over generic mortgage calculators when the core question is about the term-length decision rather than just computing a single loan's payment.

## Known failure modes

- Missing required fields (purchasePrice, interestRate15, or interestRate30) returns an error
- Interest rates provided as percentages (e.g. 6.5) instead of fractions (e.g. 0.065) may produce unrealistic results
- Negative or zero purchase price causes computation errors
- Down payment fraction outside 0-1 range may produce invalid results
- AWS Lambda cold start may cause slightly elevated first-call latency

## How this service works

15-year vs 30-year mortgage comparison calculator. Computes monthly payment and total interest for both loan terms on the same purchase price and down payment, and reports the payment and lifetime-interest tradeoff between them.

## Output

Returns computed monthly payment amounts and total interest paid for both the 15-year and 30-year loan scenarios, along with the delta between them — showing how much more the 15-year costs monthly and how much interest it saves over the full loan lifetime.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "purchasePrice": {
   "type": "number",
   "description": "Home purchase price."
  },
  "interestRate15": {
   "type": "number",
   "description": "Annual interest rate for the 15-year loan, as a fraction."
  },
  "interestRate30": {
   "type": "number",
   "description": "Annual interest rate for the 30-year loan, as a fraction."
  },
  "downPaymentPercent": {
   "type": "number",
   "default": 0.2,
   "description": "Down payment as a fraction of purchase price (0-1). Default 0.2."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sindri-mortgage-comparison-calculator-15-year-vs-30-year-4ef655b1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws](https://www.zero.xyz/host/ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/llms.txt)