mortgage_affordability
How much house can I afford: maximum home price and loan from income, monthly debts, down payment and rate under front-end / back-end debt-to-income limits (default 28/36), with a full monthly PITI breakdown (principal & interest, property tax, insurance, HOA, PMI below 20% down). Give homePrice ...
This record as markdown: /tools/com-it-scorptech-x402/mortgage-affordability.md
What mortgage_affordability does on ScorpTech x402 API
AI agents call mortgage_affordability to retrieve information from ScorpTech x402 API without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
pmiPct | number | — | Annual PMI, percent of loan, when down payment < 20% |
ratePct | number | Yes | Mortgage rate in percent |
homePrice | number | — | Optional: evaluate this price instead of solving for the maximum |
termYears | integer | — | |
downPayment | number | — | |
hoaPerMonth | number | — | |
annualIncome | number | — | Gross annual income |
monthlyDebts | number | — | Other monthly debt payments (cards, car, student loans) |
backEndDtiPct | number | — | |
frontEndDtiPct | number | — | |
propertyTaxPct | number | — | Annual property tax, percent of price |
insurancePerYear | number | — |
Parameters from the server's own tool schema.
Why mortgage_affordability is rated Low
Even though mortgage_affordability only reads data, uncontrolled read access leaks sensitive information and racks up API costs: an agent caught in a retry loop can make thousands of calls a minute without anyone noticing.
Risk signalsHigh parameter count (12 properties)
Attacks that exploit this kind of access
The rule that runs mortgage_affordability safely
PolicyLayer is an MCP gateway: it sits between your AI agents and ScorpTech x402 API, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For mortgage_affordability, this is the rule to start with:
mortgage_affordability is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect ScorpTech x402 API, apply this rule, and every mortgage_affordability call is checked against it from then on.
Questions about mortgage_affordability
How much house can I afford: maximum home price and loan from income, monthly debts, down payment and rate under front-end / back-end debt-to-income limits (default 28/36), with a full monthly PITI breakdown (principal & interest, property tax, insurance, HOA, PMI below 20% down). Give homePrice instead to get the monthly cost and the income needed. Price: $0.002 USDC per successful call (x402, Solana). Same tool over HTTPS: GET https://scorptech.it.com/api/x402/v1/mortgage-affordability. It is categorised as a Read tool in the ScorpTech x402 API MCP Server, which means it retrieves data without modifying state.
mortgage_affordability accepts 12 parameters: pmiPct, ratePct, homePrice, termYears, downPayment, hoaPerMonth, annualIncome, monthlyDebts, backEndDtiPct, frontEndDtiPct, propertyTaxPct, insurancePerYear. Required: ratePct. The full parameter table on this page comes from the server's own tool schema.
Register the ScorpTech x402 API MCP server in PolicyLayer and add a rule for mortgage_affordability: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches ScorpTech x402 API. Nothing to install.
mortgage_affordability is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the mortgage_affordability rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for mortgage_affordability. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
mortgage_affordability is provided by the ScorpTech x402 API MCP server (https://scorptech.it.com/api/x402/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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