# FHA Loan Calculator API

> For the complete documentation index, see [llms.txt](/llms.txt).

FHA payment with upfront and annual mortgage insurance premiums from the HUD MIP schedule.

Use this endpoint to add the tool to your app, site, workflow, or agent without rebuilding formulas, validation, examples, and docs.

- Slug: `fha-loan-calculator`
- Category: `finance`
- Version: `2026-04-22`
- Credits per successful call: 2
- Starts on: free
- Max payload: 65536 bytes
- Privacy mode: `hash_only`
- Available on: free, starter, pro, business, scale
- Browser tool: https://miniwebtool.com/fha-loan-calculator/

## Endpoint

`POST https://api.miniwebtool.com/v1/tools/fha-loan-calculator/run`

## Request body

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `home_price` | `float` | no | purchase price |
| `down_payment` | `float` | no | down payment amount or percent |
| `down_payment_type` | `str` | no | percent | dollar Choices: percent, dollar |
| `credit_score` | `str` | no | 580 | 500 Choices: 580, 500 |
| `loan_term` | `str` | no | 30 | 15 Choices: 30, 15 |
| `interest_rate` | `float` | no | annual interest rate % |
| `property_tax` | `float` | no | annual property tax |
| `home_insurance` | `float` | no | annual homeowners insurance |
| `hoa_fees` | `float` | no | monthly HOA fees |

## Example request

```json
{
  "home_price": 350000,
  "down_payment": 3.5,
  "down_payment_type": "percent",
  "credit_score": "580",
  "loan_term": "30",
  "interest_rate": 6.5,
  "property_tax": 4200,
  "home_insurance": 1500,
  "hoa_fees": 0
}
```

## cURL

```bash
curl -X POST https://api.miniwebtool.com/v1/tools/fha-loan-calculator/run \
  -H 'Authorization: Bearer mwt_live_YOUR_KEY' \
  -H 'Content-Type: application/json' \
  -d '{"home_price":350000,"down_payment":3.5,"down_payment_type":"percent","credit_score":"580","loan_term":"30","interest_rate":6.5,"property_tax":4200,"home_insurance":1500,"hoa_fees":0}'
```

## Response envelope

```json
{
  "request_id": "01K...",
  "tool": "fha-loan-calculator",
  "tool_version": "2026-04-22",
  "credits_used": 2,
  "result": {}
}
```

## Errors

Errors are RFC 7807 `application/problem+json`. Branch on `code`, not `title`.

## MCP

Agents can discover and call this tool through `https://api.miniwebtool.com/mcp` or `https://api.miniwebtool.com/v1/mcp` using MCP `tools/list` and `tools/call`.

## Frequently asked

### What does the FHA Loan Calculator API do?

FHA payment with upfront and annual mortgage insurance premiums from the HUD MIP schedule. Use it to add this utility without rebuilding formulas, validation, examples, and documentation.

### How much does one call cost?

2 credits per successful call. Failed calls do not bill.

### What parameters are required?

Required fields: (none). Full schema at `https://api.miniwebtool.com/v1/openapi.json`.

### Is this deterministic?

Yes. Same input, same output. Tool version: 2026-04-22.