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chrischall
by chrischall

Calculate max affordable home price

redfin_calculate_affordability
Read-onlyIdempotent

Calculate your maximum affordable home price using the 28/36 DTI rule. Input your income, debts, down payment, and interest rate to get the binding constraint and full PITI breakdown.

Instructions

Solve for the maximum home price you can afford under the standard 28/36 DTI rule. Inputs: monthly income, recurring monthly debts (car/student loans), down payment, interest rate, optional property-tax rate / insurance / HOA / loan term. Output: max home price, binding constraint (front-end vs back-end), and the PITI breakdown at that price. Uses the canonical @chrischall/realty-core affordability engine shared across the realty MCP cohort. No network — pure local math.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
hoa_monthlyNo
back_end_dtiNo
down_paymentYes
front_end_dtiNo
interest_rateYes
monthly_debtsNo
monthly_incomeYes
loan_term_yearsNo
insurance_annualNo
property_tax_rateNo
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Discloses it uses canonical 'realty-core' engine, is pure local math with no network, and outputs constraint breakdown. Adds behavioral context beyond annotations (idempotentHint, readOnlyHint) without contradiction.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Four well-structured sentences front-load purpose, list inputs/outputs, and add engine/network context. No redundant or extraneous text.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given 10 params and no output schema, description provides solid coverage of inputs and expected outputs. Could detail output format more, but mentions price, constraint, and PITI breakdown sufficiently.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

With 0% schema descriptions, description lists most inputs (income, debts, down payment, rate, tax, insurance, HOA, loan term). Omits front_end_dti/back_end_dti but references 28/36 rule, implying defaults. Adds meaning beyond raw property names.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

Description clearly states it solves for max affordable home price using 28/36 DTI rule. Distinguishes from sibling redfin_calculate_mortgage (monthly payment vs price) and search tools. Uses specific verb 'Solve for' and specifies resource 'max home price'.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Describes use case for affordability based on income/debts, implying for given-price payment calculations use mortgage tool. No explicit when-not-to-use or alternatives list, but context is clear enough.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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