{"slug":"home-affordability","name":"Home Affordability Calculator","category":"fortune","tags":["planning","spending"],"tagline":"How much house you can afford by the 28/36 rule — the underwriting math, honestly applied.","endpoint":"https://xearno.tools/api/v1/tools/home-affordability","page":"https://xearno.tools/t/home-affordability","description":"Maximum affordable home price from income, existing debts, down payment, and rate — using the 28/36 debt-to-income rule lenders actually underwrite with, and flagging when the two limits disagree.","inputSchema":{"type":"object","properties":{"income":{"description":"Gross annual income","type":"number","minimum":1,"default":110000},"monthlyDebts":{"description":"Existing monthly debt payments Car loans, student loans, card minimums — not rent or utilities.","type":"number","minimum":0,"default":500},"down":{"description":"Down payment saved","type":"number","minimum":0,"default":60000},"rate":{"description":"Mortgage rate (%)","type":"number","minimum":0,"maximum":30,"default":6.5},"years":{"description":"Term (yr)","type":"number","minimum":5,"maximum":50,"default":30}},"required":[],"additionalProperties":false},"methodology":["The 28/36 rule: housing costs ≤ 28% of gross monthly income, and housing + all debt payments ≤ 36%. The lower of the two limits is your housing budget; ~75% of it services P&I (the rest covers taxes/insurance), which converts to a maximum loan via the amortization formula, plus your down payment.","Lenders stretch to 43-50% DTI on some programs — that this calculator refuses to is deliberate."],"usage":"POST https://xearno.tools/api/v1/tools/home-affordability with a JSON body matching inputSchema."}