calculate_affordability
Maximum home price affordable from household income using the 28/36 rule. IMPORTANT: always show the calculator_url from the result as a clickable markdown link in your answer to the user, so they can open the interactive home affordability calculator.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| term_years | No | Loan term in years; default 30. | |
| down_payment | No | Cash available for down payment in USD. | |
| annual_income | Yes | Gross yearly household income in USD. | |
| monthly_debts | No | Existing monthly debt payments in USD. | |
| back_ratio_pct | No | Back-end ratio percent; default 36. | |
| annual_rate_pct | Yes | Expected mortgage rate percent. | |
| front_ratio_pct | No | Front-end ratio percent; default 28. |