What does the Home Affordability Calculator API do?

Maximum home price under the 28/36 rule with the full escrow breakdown and DTI ratios. Use it to add this utility without rebuilding formulas, validation, examples, and documentation.

How much does one call to Home Affordability Calculator cost?

2 credits per successful call. Failed calls (validation errors, 5xx) don't bill.

What parameters does the Home Affordability Calculator API require?

Required fields: (none). Full schema at /v1/openapi.json.

Is the Home Affordability Calculator API deterministic?

Yes — same input, same output, forever. Tool version 2026-04-22; output shape is stable within a major version.

Can an AI agent call the Home Affordability Calculator API?

Yes. Connect to https://api.miniwebtool.com/v1/mcp over the Model Context Protocol. The agent discovers `home-affordability-calculator` with its JSON Schema automatically, so the model can plan while MiniWebtool handles the exact tool result.

What format does the API return?

JSON with a stable envelope: `{request_id, tool, tool_version, credits_used, result}`. Errors are RFC 7807 `application/problem+json`.

Home Affordability Calculator API

Field	Type	Req.
`annual_income` gross annual household income	`float`	—
`monthly_debt` existing monthly debt payments	`float`	—
`down_payment` cash down payment	`float`	—
`interest_rate` annual mortgage rate %	`float`	—
`loan_term` 30 \| 20 \| 15 \| 10	`str`	—
`property_tax_rate` annual property tax as % of value	`float`	—
`annual_insurance` annual homeowners insurance, 0 to estimate	`float`	—
`monthly_hoa` monthly HOA fees	`float`	—

Field

Type

Req.

annual_income

gross annual household income

float

—

monthly_debt

existing monthly debt payments

float

—

down_payment

cash down payment

float

—

interest_rate

annual mortgage rate %

float

—

loan_term

30 | 20 | 15 | 10

str

—

property_tax_rate

annual property tax as % of value

float

—

annual_insurance

annual homeowners insurance, 0 to estimate

float

—

monthly_hoa

monthly HOA fees

float

—

curl -X POST https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run \ -H 'Authorization: Bearer mwt_live_YOUR_KEY' \ -H 'Content-Type: application/json' \ -d '{"annual_income":90000,"monthly_debt":500,"down_payment":60000,"interest_rate":6.5,"loan_term":"30","property_tax_rate":1.1,"annual_insurance":0,"monthly_hoa":0}'

import requests resp = requests.post( 'https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run', headers={'Authorization': 'Bearer mwt_live_YOUR_KEY'}, json={'annual_income': 90000, 'monthly_debt': 500, 'down_payment': 60000, 'interest_rate': 6.5, 'loan_term': '30', 'property_tax_rate': 1.1, 'annual_insurance': 0, 'monthly_hoa': 0}, ) resp.raise_for_status() data = resp.json() print(data)

<?php $ch = curl_init('https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run'); curl_setopt_array($ch, [ CURLOPT_POST => true, CURLOPT_RETURNTRANSFER => true, CURLOPT_HTTPHEADER => [ 'Authorization: Bearer mwt_live_YOUR_KEY', 'Content-Type: application/json', ], CURLOPT_POSTFIELDS => json_encode([ 'annual_income' => 90000, 'monthly_debt' => 500, 'down_payment' => 60000, 'interest_rate' => 6.5, 'loan_term' => '30', 'property_tax_rate' => 1.1, 'annual_insurance' => 0, 'monthly_hoa' => 0 ]), ]); $resp = curl_exec($ch); curl_close($ch); print_r(json_decode($resp, true));

require 'net/http' require 'json' require 'uri' uri = URI('https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run') http = Net::HTTP.new(uri.host, uri.port) http.use_ssl = (uri.scheme == 'https') req = Net::HTTP::Post.new(uri) req['Authorization'] = 'Bearer mwt_live_YOUR_KEY' req['Content-Type'] = 'application/json' req.body = { 'annual_income' => 90000, 'monthly_debt' => 500, 'down_payment' => 60000, 'interest_rate' => 6.5, 'loan_term' => '30', 'property_tax_rate' => 1.1, 'annual_insurance' => 0, 'monthly_hoa' => 0 }.to_json resp = http.request(req) puts JSON.parse(resp.body).inspect

package main import ( "bytes" "encoding/json" "fmt" "io" "net/http" ) func main() { body, _ := json.Marshal(map[string]interface{}{ "annual_income": 90000, "monthly_debt": 500, "down_payment": 60000, "interest_rate": 6.5, "loan_term": "30", "property_tax_rate": 1.1, "annual_insurance": 0, "monthly_hoa": 0, }) req, _ := http.NewRequest("POST", "https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run", bytes.NewReader(body)) req.Header.Set("Authorization", "Bearer mwt_live_YOUR_KEY") req.Header.Set("Content-Type", "application/json") resp, err := http.DefaultClient.Do(req) if err != nil { panic(err) } defer resp.Body.Close() out, _ := io.ReadAll(resp.Body) fmt.Println(string(out)) }

import java.net.URI; import java.net.http.*; var client = HttpClient.newHttpClient(); var req = HttpRequest.newBuilder() .uri(URI.create("https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run")) .header("Authorization", "Bearer mwt_live_YOUR_KEY") .header("Content-Type", "application/json") .POST(HttpRequest.BodyPublishers.ofString("{\"annual_income\":90000,\"monthly_debt\":500,\"down_payment\":60000,\"interest_rate\":6.5,\"loan_term\":\"30\",\"property_tax_rate\":1.1,\"annual_insurance\":0,\"monthly_hoa\":0}")) .build(); var resp = client.send(req, HttpResponse.BodyHandlers.ofString()); System.out.println(resp.body());

Integrate the MiniWebtool Home Affordability Calculator API into this project. ## Your task 1. Read the reference below. 2. Ask me where this belongs in the codebase if it is not obvious. 3. Write the integration in the language and style of the surrounding code: a small typed client function, errors handled, key read from the environment (never hard-coded, never committed). 4. Verify with `/dry-run` first, then exactly one live call. 5. Show me the diff and the live result. ## Credit budget — follow these exactly This API is metered. A live call costs 2 credits; the free tier includes 1,000 credits per month. Burning them during integration is the single most common way to waste this key. 1. **Do all wiring against `/dry-run`, which costs 0 credits.** It validates the payload for real and returns a sample result with the exact response shape. Iterate there until your request builds and your parsing works. 2. **Make at most ONE live `/run` call** — a single end-to-end confirmation once dry-run passes. Print the result, then stop. 3. **Never call the API from unit tests, examples, or a retry loop.** Assert against the sample response captured from `/dry-run` instead. 4. **On 4xx, fix the payload — do not retry.** The error body is RFC 7807 `application/problem+json` and says exactly what is wrong. 5. **On 429, honour `Retry-After`** and back off; do not tighten the loop. 6. **Read `X-MWT-Credits-Remaining`** on every response. If it drops below 50, stop making live calls and tell me. 7. If the integration needs repeated calls at runtime, **cache by input** — this tool is deterministic, so the same input always returns the same output. ## The API **Home Affordability Calculator** — Maximum home price under the 28/36 rule with the full escrow breakdown and DTI ratios. - Live endpoint: `POST https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run` — costs 2 credits - Dry run: `POST https://api.miniwebtool.com/v1/tools/home-affordability-calculator/dry-run` — costs 0 credits, same auth and validation - Auth: `Authorization: Bearer <MINIWEBTOOL_API_KEY>` - Content type: `application/json` - Tool version: `2026-04-22` (output shape is stable within a major version) - Full machine-readable spec: `https://api.miniwebtool.com/v1/openapi.json` ### Request body | field | type | required | notes | |---|---|---|---| | `annual_income` | float | no | gross annual household income (default `90000`) | | `monthly_debt` | float | no | existing monthly debt payments (default `500`) | | `down_payment` | float | no | cash down payment (default `60000`) | | `interest_rate` | float | no | annual mortgage rate % (default `6.5`) | | `loan_term` | str | no | one of: 30, 20, 15, 10 — 30 \| 20 \| 15 \| 10 (default `30`) | | `property_tax_rate` | float | no | annual property tax as % of value (default `1.1`) | | `annual_insurance` | float | no | annual homeowners insurance, 0 to estimate (default `0`) | | `monthly_hoa` | float | no | monthly HOA fees (default `0`) | Example request body: ```json { "annual_income": 90000, "monthly_debt": 500, "down_payment": 60000, "interest_rate": 6.5, "loan_term": "30", "property_tax_rate": 1.1, "annual_insurance": 0, "monthly_hoa": 0 } ``` ### Response envelope ```json { "request_id": "req_01H…", "tool": "home-affordability-calculator", "tool_version": "2026-04-22", "credits_used": 2, "result": { "annual_income": 90000.0, "monthly_income": 7500.0, "monthly_debt": 500.0, "max_home_price": 315170.54, "max_loan_amount": 255170.54, "down_payment": 60000.0, "down_payment_pct": 19.04, "max_monthly_housing_payment": 2100.0, "monthly_principal_interest": 1612.85, "monthly_property_tax": 288.91, "monthly_home_insurance": 91.92, "monthly_pmi": 106.32, "monthly_hoa": 0.0, "total_monthly_payment": 2100.0, "front_end_ratio_pct": 28.0, "back_end_ratio_pct": 34.67, "affordability_rating": "acceptable", "loan_term_years": 30, "rule": "28/36" } } ``` `result` holds the tool output. Errors come back as `application/problem+json` with `type`, `title`, `status`, and `detail`. ### Getting a key If `MINIWEBTOOL_API_KEY` is not already in the environment, stop and ask me for one — do not sign up, scrape, or guess a key. Free keys: https://api.miniwebtool.com/dashboard/

--- description: MiniWebtool Home Affordability Calculator API — usage and credit budget globs: alwaysApply: false --- # MiniWebtool Home Affordability Calculator API ## The API **Home Affordability Calculator** — Maximum home price under the 28/36 rule with the full escrow breakdown and DTI ratios. - Live endpoint: `POST https://api.miniwebtool.com/v1/tools/home-affordability-calculator/run` — costs 2 credits - Dry run: `POST https://api.miniwebtool.com/v1/tools/home-affordability-calculator/dry-run` — costs 0 credits, same auth and validation - Auth: `Authorization: Bearer <MINIWEBTOOL_API_KEY>` - Content type: `application/json` - Tool version: `2026-04-22` (output shape is stable within a major version) - Full machine-readable spec: `https://api.miniwebtool.com/v1/openapi.json` ### Request body | field | type | required | notes | |---|---|---|---| | `annual_income` | float | no | gross annual household income (default `90000`) | | `monthly_debt` | float | no | existing monthly debt payments (default `500`) | | `down_payment` | float | no | cash down payment (default `60000`) | | `interest_rate` | float | no | annual mortgage rate % (default `6.5`) | | `loan_term` | str | no | one of: 30, 20, 15, 10 — 30 \| 20 \| 15 \| 10 (default `30`) | | `property_tax_rate` | float | no | annual property tax as % of value (default `1.1`) | | `annual_insurance` | float | no | annual homeowners insurance, 0 to estimate (default `0`) | | `monthly_hoa` | float | no | monthly HOA fees (default `0`) | Example request body: ```json { "annual_income": 90000, "monthly_debt": 500, "down_payment": 60000, "interest_rate": 6.5, "loan_term": "30", "property_tax_rate": 1.1, "annual_insurance": 0, "monthly_hoa": 0 } ``` ### Response envelope ```json { "request_id": "req_01H…", "tool": "home-affordability-calculator", "tool_version": "2026-04-22", "credits_used": 2, "result": { "annual_income": 90000.0, "monthly_income": 7500.0, "monthly_debt": 500.0, "max_home_price": 315170.54, "max_loan_amount": 255170.54, "down_payment": 60000.0, "down_payment_pct": 19.04, "max_monthly_housing_payment": 2100.0, "monthly_principal_interest": 1612.85, "monthly_property_tax": 288.91, "monthly_home_insurance": 91.92, "monthly_pmi": 106.32, "monthly_hoa": 0.0, "total_monthly_payment": 2100.0, "front_end_ratio_pct": 28.0, "back_end_ratio_pct": 34.67, "affordability_rating": "acceptable", "loan_term_years": 30, "rule": "28/36" } } ``` `result` holds the tool output. Errors come back as `application/problem+json` with `type`, `title`, `status`, and `detail`. ### Getting a key If `MINIWEBTOOL_API_KEY` is not already in the environment, stop and ask me for one — do not sign up, scrape, or guess a key. Free keys: https://api.miniwebtool.com/dashboard/ ## Credit budget — follow these exactly This API is metered. A live call costs 2 credits; the free tier includes 1,000 credits per month. Burning them during integration is the single most common way to waste this key. 1. **Do all wiring against `/dry-run`, which costs 0 credits.** It validates the payload for real and returns a sample result with the exact response shape. Iterate there until your request builds and your parsing works. 2. **Make at most ONE live `/run` call** — a single end-to-end confirmation once dry-run passes. Print the result, then stop. 3. **Never call the API from unit tests, examples, or a retry loop.** Assert against the sample response captured from `/dry-run` instead. 4. **On 4xx, fix the payload — do not retry.** The error body is RFC 7807 `application/problem+json` and says exactly what is wrong. 5. **On 429, honour `Retry-After`** and back off; do not tighten the loop. 6. **Read `X-MWT-Credits-Remaining`** on every response. If it drops below 50, stop making live calls and tell me. 7. If the integration needs repeated calls at runtime, **cache by input** — this tool is deterministic, so the same input always returns the same output.

Add the MiniWebtool MCP server to this project, then use the `home-affordability-calculator` tool from it. Server URL: https://api.miniwebtool.com/v1/mcp Transport: HTTP (Streamable HTTP / JSON-RPC 2.0) Auth header: `Authorization: Bearer <MINIWEBTOOL_API_KEY>` Claude Code: ```bash claude mcp add --transport http miniwebtool https://api.miniwebtool.com/v1/mcp \ --header "Authorization: Bearer $MINIWEBTOOL_API_KEY" ``` Or add it to the MCP config file your client uses: ```json { "mcpServers": { "miniwebtool": { "type": "http", "url": "https://api.miniwebtool.com/v1/mcp", "headers": { "Authorization": "Bearer ${MINIWEBTOOL_API_KEY}" } } } } ``` Once connected, `tools/list` exposes `home-affordability-calculator` with its JSON Schema, so you can call it directly instead of writing an HTTP client. ## Credit budget — follow these exactly This API is metered. A live call costs 2 credits; the free tier includes 1,000 credits per month. Burning them during integration is the single most common way to waste this key. 1. **Do all wiring against `/dry-run`, which costs 0 credits.** It validates the payload for real and returns a sample result with the exact response shape. Iterate there until your request builds and your parsing works. 2. **Make at most ONE live `/run` call** — a single end-to-end confirmation once dry-run passes. Print the result, then stop. 3. **Never call the API from unit tests, examples, or a retry loop.** Assert against the sample response captured from `/dry-run` instead. 4. **On 4xx, fix the payload — do not retry.** The error body is RFC 7807 `application/problem+json` and says exactly what is wrong. 5. **On 429, honour `Retry-After`** and back off; do not tighten the loop. 6. **Read `X-MWT-Credits-Remaining`** on every response. If it drops below 50, stop making live calls and tell me. 7. If the integration needs repeated calls at runtime, **cache by input** — this tool is deterministic, so the same input always returns the same output.

Every endpoint on this site is also exposed via the Model Context Protocol at https://api.miniwebtool.com/v1/mcp. Claude, Cursor, and any MCP-capable agent can discover this tool (home-affordability-calculator) and its JSON Schema automatically — no client codegen.

# List tools the agent can call curl -s https://api.miniwebtool.com/v1/mcp \ -H 'Content-Type: application/json' \ -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}' \ | jq '.result.tools[] | select(.name=="home-affordability-calculator")'

Home Affordability Calculator API

Endpoint

Request body

Cost & access

Response envelope

Try it

Get your own key

Code examples