Mortgage Affordability Calculator API
Maximum home price you can afford from income, debts, down payment and mortgage rate, using front-end and back-end debt-to-income (DTI) limits including property tax, insurance and HOA.
POST /api/v1/tools/mortgage-affordability-calculatorMCP mortgage_affordability_calculatorCalculatorsEstimate how much house you can afford from your income, debts and down payment, using front-end and back-end DTI limits, with tax, insurance and HOA included.
Input
Send these as a JSON object. Unknown fields are rejected.
- income
- Gross (before tax) annual household income. (number, 0 to …, required)
- debts
- Other monthly debt payments (car, student loans, card minimums). (number, 0 to …, default 0)
- downPayment
- Down payment available. (number, 0 to …, default 0)
- rate
- Mortgage interest rate in percent (0 to 30). (number, 0 to 30, required)
- termYears
- Mortgage term in whole years (1 to 50). (integer, 1 to 50, default 30)
- taxPercent
- Annual property tax as a percentage of the home price (0 to 10). (number, 0 to 10, default 0)
- insurance
- Annual homeowners insurance. (number, 0 to …, default 0)
- hoa
- Monthly HOA or service charge. (number, 0 to …, default 0)
- frontDti
- Front-end limit: housing cost as a % of gross monthly income. (number, 0.01 to 100, default 28)
- backDti
- Back-end limit: housing cost plus other debts as a % of gross monthly income. (number, 0.01 to 100, default 36)
curl https://pithlab.com/api/v1/tools/mortgage-affordability-calculator \n -H "Authorization: Bearer $PITHLAB_KEY" \n -H "Content-Type: application/json" \n -d '{"income":90000,"debts":400,"downPayment":40000,"rate":6.5,"termYears":30,"taxPercent":1.1,"insurance":1500,"hoa":0}'