# x402toll PMI Calculator

> 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

## Facts

- Endpoint: POST https://x402toll.com/v1/realestate/pmi
- 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-pmi-calculator-ba6f68ff
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ZHHdinWQlKr1OG3TVFagj

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-pmi-calculator-ba6f68ff -d '<json body>'
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apr": {
   "type": "number"
  },
  "homeValue": {
   "type": "number"
  },
  "loanAmount": {
   "type": "number"
  },
  "pmiRatePct": {
   "type": "number",
   "default": 0.5
  },
  "termMonths": {
   "type": "number",
   "default": 360
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-pmi-calculator-ba6f68ff/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)