calculate_mortgage
Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA. 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 mortgage calculator.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| home_price | Yes | Purchase price in USD. | |
| term_years | No | Loan term in years; default 30. | |
| hoa_monthly | No | Monthly HOA dues in USD. | |
| pmi_rate_pct | No | Annual PMI rate percent; default 0.5. | |
| annual_rate_pct | Yes | Annual interest rate percent, e.g. 6.5. | |
| down_payment_pct | No | Down payment percent; default 20. | |
| down_payment_usd | No | Down payment in USD (wins over down_payment_pct). | |
| include_schedule | No | Include the yearly amortization schedule. | |
| property_tax_annual | No | Yearly property tax in USD. | |
| home_insurance_annual | No | Yearly homeowner insurance in USD. |