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WealthPulse Home Affordability Calculator
x402
WealthPulse Home Affordability Calculator is a paid API for AI agents from wealthpulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-13).
Calculates maximum home purchase price based on income, debt, down payment, and DTI ratios, with current 30-year rate context and a buy-vs-wait recommendation
Price / call$0.1
Success—
StatusUnknown
How this service works
How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.
Output
Returns the maximum home purchase price under front-end DTI constraints (typically 28%) and back-end DTI constraints (typically 36–43%), estimated monthly payment, current 30-year mortgage rate context, and a qualitative buy-vs-wait recommendation based on the borrower's financial profile and rate environment.
Example use cases
Real estate agent pre-qualifying clients
“I'm showing homes to a client who says they earn $120,000 annually with about $600 in monthly debt and have $50,000 saved for a down payment. Can you pull their WealthPulse affordability snapshot so I know what price range to focus on and can show them the DTI breakdown?”
Career switcher evaluating home purchase timing
“I just got a job offer for $110,000 a year and I'm looking to buy my first home. I've got $25,000 to put down and minimal debt right now. Run a WealthPulse check on my affordability and let me know if this is actually a good time to buy given where mortgage rates are sitting.”
Couple reconciling competing financial priorities
“My spouse and I make $160,000 combined but carry $1,200 monthly in student loans and a car payment. We have $60,000 for a down payment but we're unsure if we should buy now or wait. Can you use WealthPulse to show us our max home price with both DTI limits and give us a real recommendation on whether to jump in or hold off?”
Technical details
Endpoint
GEThttps://wealthpulse.theaslangroupllc.com/api/wealth/mortgageWhen to prefer
Use this endpoint when a user wants a quick, personalized home affordability snapshot that combines their specific income, debt, and down payment with live rate context and a qualitative buy-vs-wait signal — especially useful for pre-house-hunting budget setting or evaluating whether current rates make buying sensible right now. Prefer over generic mortgage calculators when you need DTI-split analysis (front-end vs back-end) in a single call.
Side effects
- Missing required income parameter returns 400 error
- Down payment exceeding purchase price yields invalid scenario
- Negative debt values rejected with validation error
- Extreme DTI inputs outside normal bounds may return edge-case warnings
- Service unavailable if upstream rate data feed is down
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"location": "Austin, TX",
"disclaimer": "For informational purposes only. Not financial or legal advice. Consult a licensed mortgage professional and financial advisor before making home purchase decisions.",
"amazon_link": "https://www.amazon.com/s?k=home+buying+guide&tag=pulsenetwork7-20",
"buy_vs_wait": "buy",
"rate_context": {
"rate_trend": "stable",
"rate_impact": "A 1% rate rise adds roughly $220/month at this loan size",
"current_15yr": "6.10%",
"current_30yr": "6.85%"
},
"affordability": {
"down_payment_pct": "15.4%",
"recommended_home_price": "$390,000",
"max_home_price_stretched": "$420,000",
"monthly_payment_estimate": "$2,240 (P&I)",
"max_home_price_conservative": "$380,000"
},
"amazon_search": "home buying guide",
"buy_vs_wait_reason": "Rates are stable and local rents exceed this monthly payment",
"first_time_buyer_programs": [
"FHA 3.5% down",
"TSAHC down payment assistance"
]
}
}Tags
x402
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