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x402toll PMI Calculator
x402
x402toll PMI 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 monthly PMI cost and the month PMI auto-cancels at 78% LTV under the Homeowners Protection Act
Price / call$0.05
Success—
StatusUnknown
How this service works
Monthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act).
Output
Returns the monthly PMI dollar amount and the specific month number (from loan origination) when PMI legally auto-cancels under the Homeowners Protection Act at 78% of original home value, based on a simulated amortization schedule
Example use cases
Example prompt
“I'm buying a home valued at $450,000 with a loan amount of $380,000 at 6.8% APR on a 30-year mortgage — can you tell me what my monthly PMI will be at the default 0.5% PMI rate and exactly which month it auto-cancels when I hit 78% of the original home value?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/realestate/pmiWhen to prefer
Use this endpoint when a user needs to know both the ongoing monthly PMI cost and the precise cancellation milestone for a conventional US mortgage — especially when the Homeowners Protection Act 78% automatic cancellation rule is relevant. Prefer over generic mortgage calculators when the output must include the specific month PMI drops off.
Side effects
- Missing required fields (apr, homeValue, loanAmount) returns a 400 validation error
- Loan amount exceeding home value (LTV > 100%) may produce unexpected or error results
- Invalid numeric types for input fields return schema validation errors
- PMI rate of 0 may return a zero-cost result with immediate or no cancellation date
- Payment required (402) if USDC payment header is missing or insufficient
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| apr | number | |
| homeValue | number | |
| loanAmount | number | |
| pmiRatePct | number | |
| termMonths | number |
Tags
x402
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