Down Payment Calculator API

POST https://api.findutils.com/api/tools/down-payment-calculator/execute

Return the down payment, closing costs, total cash needed, remaining amount to save, months to save, target month, loan amount, and estimated PMI for a home purchase, plus a comparison table for 5%, 10%, 15%, 20%, and 25% down. PMI is estimated at 1% of the loan per year when the down payment is below 20%.

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Request body

application/json

home_price

number required

Purchase price of the home. Must be > 0.
down_payment_percent

number optional

Down payment as a percent of the price (20 = 20%). Default: 20.
current_savings

number optional

Cash already saved. Default: 0.
monthly_savings

number optional

Amount saved every month. Default: 0.
closing_cost_percent

number optional

Closing costs as a percent of the price. Default: 3.
start_month

string optional

Month the saving starts, as YYYY-MM. Default: the current UTC month.

Example arguments

Verified

{
  "home_price": 350000,
  "down_payment_percent": 20,
  "current_savings": 20000,
  "monthly_savings": 1000,
  "closing_cost_percent": 3,
  "start_month": "2026-01"
}

curl -X POST https://api.findutils.com/api/tools/down-payment-calculator/execute \
  -H "Content-Type: application/json" \
  -d '{
    "home_price": 350000,
    "down_payment_percent": 20,
    "current_savings": 20000,
    "monthly_savings": 1000,
    "closing_cost_percent": 3,
    "start_month": "2026-01"
  }'

const response = await fetch('https://api.findutils.com/api/tools/down-payment-calculator/execute', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({"home_price":350000,"down_payment_percent":20,"current_savings":20000,"monthly_savings":1000,"closing_cost_percent":3,"start_month":"2026-01"}),
});
const data = await response.json();

import requests

response = requests.post(
    "https://api.findutils.com/api/tools/down-payment-calculator/execute",
    json={"home_price":350000,"down_payment_percent":20,"current_savings":20000,"monthly_savings":1000,"closing_cost_percent":3,"start_month":"2026-01"},
)
data = response.json()

$ch = curl_init('https://api.findutils.com/api/tools/down-payment-calculator/execute');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
    CURLOPT_POSTFIELDS => '{"home_price":350000,"down_payment_percent":20,"current_savings":20000,"monthly_savings":1000,"closing_cost_percent":3,"start_month":"2026-01"}',
    CURLOPT_RETURNTRANSFER => true,
]);
$data = json_decode(curl_exec($ch), true);

Also an MCP tool

Call down_payment_calculator from Claude, Cursor or any MCP client. Same arguments, same output.

https://mcp.findutils.com

MCP reference

Rate limit: 60 a minute, per IP
Auth: None
REST id: down-payment-calculator
MCP name: down_payment_calculator
Category: Finance
Machine-readable: openapi.json · markdown.md

Request body

Example arguments

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