agentutility(7)$ man home-affordability-payment
/home-affordability-payment
PRICE / CALL
$0.01
USDC · base mainnet · scheme: exact
METHOD
POST
CLUSTER
edgefinanceCATEGORY
uncategorized
STATUS
● live
NAME
home-affordability-payment — estimates the monthly housing payment for home affordability checks
synonym alias of mortgage-payment-calculator — reuses the canonical handler.
SYNOPSIS
POST https://x402.agentutility.ai/home-affordability-payment
Content-Type: application/json
X-PAYMENT: <signed-transferWithAuthorization>
{ ... }↳ first call →
402 Payment Required. Sign USDCtransferWithAuthorization, retry with theX-PAYMENT header.DESCRIPTION
Estimates the monthly housing payment for home affordability checks. Same backend as mortgage-payment-calculator, returning PITI, escrow components, optional housing DTI, score, and recommendation. Use it as a home affordability payment API, monthly mortgage payment calculator, or housing DTI estimator.
INPUT — request schema
| property | type | description | req? |
|---|---|---|---|
| home_price | number | Purchase price or property value. | required |
| down_payment | number | Cash down payment. Default 0. | optional |
| loan_amount | number | Optional explicit loan amount; defaults to home_price minus down_payment. | optional |
| annual_rate | number | Annual mortgage rate as percent, e.g. 6.75. | required |
| term_years | number | Loan term in years. | required |
| annual_property_tax | number | Annual property tax. Default 0. | optional |
| annual_insurance | number | Annual homeowners insurance. Default 0. | optional |
| monthly_hoa | number | Monthly HOA dues. Default 0. | optional |
| monthly_pmi | number | Monthly PMI. Default 0. | optional |
| gross_monthly_income | number | Optional borrower gross monthly income for housing DTI. | optional |
OUTPUT — response shape
| field | type | description |
|---|---|---|
| calculator | string | — |
| score | string | — |
| grade | string | — |
| recommendation | string | — |
| metrics | string | — |
| drivers | string | — |
| warnings | string | — |
| source | string | — |
EXAMPLES — two ways to call
EXAMPLE 1 · curl
curl -X POST https://x402.agentutility.ai/home-affordability-payment \
-H 'Content-Type: application/json' \
-d '{ }'first response =
402 Payment Required with payment requirements; sign + retry with X-PAYMENT.EXAMPLE 2 · mcp
# Install the MCP package for this endpoint's cluster npx -y @agentutility/mcp-<cluster> # Required: EVM private key with USDC on Base export X402_PRIVATE_KEY=0x... # Then call the home-affordability-payment tool from your MCP-aware agent.
MCP server handles payment automatically — your coding agent just calls the tool by name.
METADATA
- tags
- edge-financehomeaffordabilitypaymenthome-affordability-payment
- methods
- POST
- cluster
- edgefinance
- price
- $0.01 USDC per call
ADJACENT — other endpoints in edgefinance
| endpoint | description | price |
|---|---|---|
| accounts-receivable-aging-score | Scores the health of an accounts receivable book from its aging profile, returning a weighted score and grade. | $0.01 |
| amortization-schedule | Computes a loan's amortization schedule and payment breakdown. | $0.01 |
| asset-based-lending-score | Scores the risk of an asset based lending (ABL) facility, returning a weighted score and grade. | $0.01 |
| blended-finance-score | Scores a blended finance structure on how efficiently concessional capital mobilizes private money, returning a 0-100 structure score. | $0.01 |
| blended-finance-score-api | Scores blended finance structures on concessional capital leverage. | $0.01 |
| break-even-calculator | Calculates break-even units and contribution margin for a product's unit economics. | $0.01 |
| cash-conversion-cycle-calculator | Calculates the cash conversion cycle for working capital optimization. | $0.01 |
| cash-runway-calculator | Calculates a startup's cash runway from its monthly burn. | $0.01 |
SEE ALSO