Fixed-rate mortgage principal, interest, taxes, insurance, HOA and simple closin...
https://api.locus.report/api/locus-piti-transfer-tax-calculatorOverview
Fixed-rate mortgage principal, interest, taxes, insurance, HOA and simple closing-cost break-even worksheet. Returns the same records as locus_property_math_calculator. Use this when your client can only call paid x402 routes. Use locus_property_math_calculator instead when you can call Locus free tools (REST tools/call or MCP).
Protocol
x402 (POST)
Price
$0.01
Payment Asset
USD Coin
Payment Network
eip155:8453
Category
uncategorized
Provider
locus
Source
bazaar
Indexed
2026-10-24 14:28:21
Health
Status
healthy
Latency (p50)
1410ms
Uptime (30d)
100.0%
Reliability Score
82/100
Last Checked
2026-10-28 04:27:42
Last Healthy
2026-10-28 04:27:42
Consecutive Failures
0
x402 Payment Validation
Payment Requirements
Valid
Asset Verified
Known USDC
Facilitator
—
Input Schema
{
"body": {
"annualHomeownersInsurance": 0,
"annualPropertyTaxRatePercent": 1.2,
"interestRatePercent": 6.5,
"monthlyHoa": 0,
"purchasePrice": 500000,
"termYears": 30
},
"bodyType": "json",
"method": "POST",
"type": "http"
}
Output Schema
{
"example": {
"caveats": [
"Arithmetic worksheet only; not a loan quote, underwriting determination, affordability verdict, or recommendation.",
"Fixed rate and monthly payments for the full term; excludes mortgage insurance, points, maintenance, utilities, and lender fees. Insurance and HOA default to zero when omitted.",
"Property tax uses purchase price as a hypothetical taxable base, not assessed value. Exemptions, reassessment, special districts, and future rate changes are excluded.",
"Amounts are rounded to cents only for display; totals and lifetime interest use unrounded payments. Actual payment schedules can differ."
],
"downPaymentAmount": 100000,
"downPaymentPercent": 20,
"downPaymentSource": "default_20_percent",
"exampleNote": "Example arithmetic; caller assumptions, not live parcel data.",
"hoaMonthly": 0,
"insuranceMonthly": 0,
"kind": "property_math_calculator",
"loanAmount": 400000,
"ok": true,
"principalAndInterestMonthly": 2528.27,
"propertyTaxMonthly": 500,
"provenance": [],
"totalInterestOverTerm": 510177.95,
"totalMonthlyCarryingCost": 3028.27
},
"type": "json"
}
Recent Health Checks
| Time | Status | HTTP | Latency | Error |
|---|---|---|---|---|
| 2026-10-28 04:27:42 | healthy | 402 | 1410ms | |
| 2026-10-28 03:35:03 | healthy | 402 | 238ms | |
| 2026-10-28 02:31:23 | healthy | 402 | 2267ms | |
| 2026-10-28 01:28:03 | healthy | 402 | 299ms | |
| 2026-10-28 00:24:19 | healthy | 402 | 1769ms | |
| 2026-10-27 23:29:31 | healthy | 402 | 438ms | |
| 2026-10-27 22:29:29 | healthy | 402 | 270ms | |
| 2026-10-27 21:27:25 | healthy | 402 | 3420ms | |
| 2026-10-27 20:13:47 | healthy | 402 | 779ms | |
| 2026-10-27 19:10:05 | healthy | 402 | 403ms | |
| 2026-10-26 08:50:59 | healthy | 402 | 1711ms | |
| 2026-10-26 01:27:45 | healthy | 402 | 4419ms | |
| 2026-10-25 11:56:24 | healthy | 402 | 2084ms |