# x402toll Real Estate Affordability Calculator

> 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.

## Facts

- Endpoint: POST https://x402toll.com/v1/realestate/affordability
- 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-real-estate-affordability-calculator-8e92a934
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_dUpgqM4s_lhstPWhWRGqD

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-real-estate-affordability-calculator-8e92a934 -d '<json body>'
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apr": {
   "type": "number",
   "default": 6.5
  },
  "backDtiPct": {
   "type": "number",
   "default": 36
  },
  "pmiRatePct": {
   "type": "number",
   "default": 0.5
  },
  "termMonths": {
   "type": "number",
   "default": 360
  },
  "downPayment": {
   "type": "number",
   "default": 0
  },
  "frontDtiPct": {
   "type": "number",
   "default": 28
  },
  "monthlyDebts": {
   "type": "number",
   "default": 0
  },
  "propertyTaxPct": {
   "type": "number",
   "default": 1.1
  },
  "annualInsurance": {
   "type": "number",
   "default": 1500
  },
  "grossAnnualIncome": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-real-estate-affordability-calculator-8e92a934/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)