# x402toll Mortgage Payment Calculator (PITI)

> x402toll Mortgage Payment Calculator (PITI) 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 the full monthly mortgage payment including principal & interest, property tax, insurance, PMI (auto-applied when LTV > 80%), and HOA fees.

## Facts

- Endpoint: POST https://x402toll.com/v1/lending/mortgage-payment
- 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/x402toll-mortgage-payment-calculator-piti-c58b1a52
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_YTBF9LYjeJ-6XImCmEcQ2

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 x402toll-mortgage-payment-calculator-piti-c58b1a52 -d '<json body>'
```

Example prompt: What's my full monthly PITI mortgage payment on a $450,000 home with a $90,000 down payment, 6.75% APR, 30-year term, 1.2% property tax, $1,800 annual insurance, $250/month HOA, and no PMI override?

## When to prefer this

Use this endpoint when you need a complete, itemized monthly mortgage cost estimate (PITI) rather than just principal & interest. It automatically handles PMI when the down payment results in LTV > 80%, making it ideal for home-buying affordability analysis, rent-vs-buy comparisons, or financial planning without needing to manually compute each cost component.

## Known failure modes

- Missing required fields (apr, homePrice) returns a validation error
- Negative or zero homePrice/APR returns an error
- APR expressed as a whole number instead of decimal may produce unrealistic results
- LTV calculation assumes downPayment is subtracted from homePrice; incorrect inputs yield incorrect PMI logic

## How this service works

Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA.

## Output

Returns a breakdown of the full monthly mortgage payment: principal & interest component, monthly property tax, monthly insurance, PMI (automatically calculated when LTV exceeds 80%), HOA, and the total all-in monthly payment.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apr": {
   "type": "number"
  },
  "homePrice": {
   "type": "number"
  },
  "monthlyHOA": {
   "type": "number",
   "default": 0
  },
  "pmiRatePct": {
   "type": "number",
   "default": 0
  },
  "termMonths": {
   "type": "number",
   "default": 360
  },
  "downPayment": {
   "type": "number",
   "default": 0
  },
  "propertyTaxPct": {
   "type": "number",
   "default": 0
  },
  "annualInsurance": {
   "type": "number",
   "default": 0
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-mortgage-payment-calculator-piti-c58b1a52/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)