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x402toll Real Estate Affordability Calculator
x402
x402toll Real Estate Affordability 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 the maximum home price a W-2 buyer can afford based on gross income, debts, DTI limits, down payment, and PMI-aware mortgage math.
Price / call$0.05
Success—
StatusUnknown
How this service works
Max home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve.
Output
Returns the maximum affordable home price, corresponding maximum loan amount, estimated monthly payment breakdown, resulting front and back DTI percentages, and whether PMI applies — all computed using iterative solve accounting for PMI on loans above 80% LTV.
Example use cases
Example prompt
“What's the most expensive home I can afford if I make $120,000 a year, have $800 in monthly debt payments, can put $20,000 down, and am looking at a 6.5% APR on a 30-year mortgage with a 28% front DTI and 36% back DTI limit?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/realestate/affordabilityWhen to prefer
Use this endpoint when you need a PMI-aware, DTI-constrained maximum home price solve for a W-2 buyer — it correctly back-solves for price accounting for the fact that PMI disappears above 20% down, which simpler calculators miss. Prefer it over generic mortgage calculators when you need both front (housing) and back (total debt) DTI constraints applied simultaneously.
Side effects
- Missing required grossAnnualIncome field returns a validation error
- Infeasible combination of debts and DTI limits (debts alone exceed DTI cap) may return zero or error
- Extremely low down payment relative to price may cause PMI convergence issues
- Invalid APR or term values may return computation errors
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| apr | number | |
| backDtiPct | number | |
| pmiRatePct | number | |
| termMonths | number | |
| downPayment | number | |
| frontDtiPct | number | |
| monthlyDebts | number | |
| propertyTaxPct | number | |
| annualInsurance | number | |
| grossAnnualIncome | number |
Tags
x402
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