HomeMortgageOnline mortgage tools

Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.

{
  "type": "object",
  "properties": {
    "price": {
      "type": "number",
      "description": "Home price in dollars."
    },
    "downPayment": {
      "type": "number",
      "description": "Down payment in dollars."
    },
    "annualRatePercent": {
      "type": "number",
      "description": "Annual interest rate percent. Do not omit this to use the page default."
    },
    "termYears": {
      "type": "number",
      "description": "Loan term in years."
    },
    "annualPropertyTax": {
      "type": "number",
      "description": "Yearly property tax in dollars."
    },
    "annualInsurance": {
      "type": "number",
      "description": "Yearly homeowners insurance in dollars."
    },
    "monthlyHoa": {
      "type": "number",
      "description": "Monthly HOA dues in dollars. Send 0 when there is no HOA."
    }
  }
}

Home price search from the affordability calculator. Every input is required. The page defaults (36% DTI, 30 years, 7.28%) are not filled in. Missing inputs return "not available".

{
  "type": "object",
  "properties": {
    "grossAnnualIncome": {
      "type": "number"
    },
    "monthlyDebts": {
      "type": "number"
    },
    "downPayment": {
      "type": "number"
    },
    "annualRatePercent": {
      "type": "number"
    },
    "termYears": {
      "type": "number"
    },
    "propertyTaxPercent": {
      "type": "number",
      "description": "Yearly property tax as a percent of home value."
    },
    "insurancePercent": {
      "type": "number",
      "description": "Yearly insurance as a percent of home value."
    },
    "dtiPercent": {
      "type": "number",
      "description": "Target back-end DTI percent."
    }
  }
}

Break-even months from the refinance page: closing costs divided by monthly savings, rounded up. Or pass both loans and the principal-and-interest formula supplies the savings. Missing inputs return "not available".

{
  "type": "object",
  "properties": {
    "closingCosts": {
      "type": "number"
    },
    "monthlySavings": {
      "type": "number"
    },
    "currentBalance": {
      "type": "number"
    },
    "currentAnnualRatePercent": {
      "type": "number"
    },
    "currentTermYears": {
      "type": "number"
    },
    "newBalance": {
      "type": "number"
    },
    "newAnnualRatePercent": {
      "type": "number"
    },
    "newTermYears": {
      "type": "number"
    }
  }
}

Fixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step. Pass loanAmount, or price and downPayment. Schedule rows over 360 months return "not available".

{
  "type": "object",
  "properties": {
    "loanAmount": {
      "type": "number"
    },
    "price": {
      "type": "number"
    },
    "downPayment": {
      "type": "number"
    },
    "annualRatePercent": {
      "type": "number"
    },
    "termYears": {
      "type": "number"
    }
  }
}

Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.

{
  "type": "object",
  "properties": {
    "price": {
      "type": "number"
    },
    "downPayment": {
      "type": "number"
    },
    "pmiAnnualRatePercent": {
      "type": "number"
    },
    "homeValueGrowthPercent": {
      "type": "number"
    },
    "annualRatePercent": {
      "type": "number"
    },
    "termYears": {
      "type": "number"
    }
  }
}

Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.

{
  "type": "object",
  "properties": {
    "price": {
      "type": "number"
    },
    "downPayment": {
      "type": "number"
    },
    "lenderFeePercent": {
      "type": "number"
    },
    "titleFeePercent": {
      "type": "number"
    },
    "thirdPartyFees": {
      "type": "number"
    },
    "prepaids": {
      "type": "number"
    },
    "credits": {
      "type": "number"
    }
  }
}

Educational loan-path note already coded on the site. goal is veteran, rural, lowdown, highprice, refi, or conventional. credit may be fair or thin. Unknown goal returns "not available".

{
  "type": "object",
  "properties": {
    "goal": {
      "type": "string"
    },
    "credit": {
      "type": "string"
    }
  }
}

Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.

{
  "type": "object",
  "properties": {
    "product": {
      "type": "string",
      "description": "Optional id such as 30-year-fixed, 15-year-fixed, 30-year-fha, daily-30-year-fixed."
    }
  }
}

30-year fixed history and scenario band from the rate outlook chart. Optional label such as 2024, Now, +1 mo, or +6 mo. An unknown label returns "not available".

{
  "type": "object",
  "properties": {
    "label": {
      "type": "string"
    }
  }
}

State pages repeat the national snapshot. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".

{
  "type": "object",
  "properties": {
    "state": {
      "type": "string"
    }
  }
}

Mortgage-interest worksheet. Compares qualified interest plus other itemized amounts to a standard-deduction assumption you supply. No IRS table is filled in. Missing required inputs return "not available".

{
  "type": "object",
  "properties": {
    "filingStatus": {
      "type": "string",
      "description": "single, married_joint, married_separate, head_of_household, or surviving_spouse."
    },
    "qualifiedInterest": {
      "type": "number"
    },
    "otherItemized": {
      "type": "number"
    },
    "standardDeductionAssumption": {
      "type": "number"
    },
    "acquisitionIndebtedness": {
      "type": "number"
    },
    "pointsPaidThisYear": {
      "type": "number"
    }
  }
}

Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".

{
  "type": "object",
  "properties": {
    "pointsPaid": {
      "type": "number"
    },
    "loanPrincipal": {
      "type": "number"
    },
    "sellerPoints": {
      "type": "number"
    },
    "monthsOutstanding": {
      "type": "number"
    },
    "termMonths": {
      "type": "number"
    },
    "termYears": {
      "type": "number"
    },
    "loanKind": {
      "type": "string",
      "description": "purchase or refinance."
    },
    "method": {
      "type": "string",
      "description": "straight_line or purchase_year. Blank uses straight_line, matching the worksheet."
    }
  }
}

PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".

{
  "type": "object",
  "properties": {
    "annualPmi": {
      "type": "number"
    },
    "originalLtv": {
      "type": "number"
    },
    "agiIllustration": {
      "type": "number"
    },
    "optInCitedDeduction": {
      "type": "boolean"
    },
    "taxYearAssumption": {
      "type": "string"
    }
  }
}

SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".

{
  "type": "object",
  "properties": {
    "propertyTax": {
      "type": "number"
    },
    "stateIncomeOrSalesTax": {
      "type": "number"
    },
    "saltCapAssumption": {
      "type": "number"
    }
  }
}

Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".

{
  "type": "object",
  "properties": {
    "monthlyPrincipal": {
      "type": "number"
    },
    "monthlyInterest": {
      "type": "number"
    },
    "monthlyTaxes": {
      "type": "number"
    },
    "monthlyInsurance": {
      "type": "number"
    },
    "monthlyPmi": {
      "type": "number"
    },
    "monthlyHoa": {
      "type": "number"
    },
    "otherDebtPayments": {
      "type": "number"
    },
    "monthlyTakeHome": {
      "type": "number"
    },
    "annualTakeHome": {
      "type": "number"
    }
  }
}