Mortgage Calculator API
Mortgage Calculator is a simple tool for calculating mortgage payments. It returns the monthly payment, total interest, and more.
The Mortgage Calculator API provides reliable and fast access to mortgage calculator data through a simple REST interface. Built for developers who need consistent, high-quality results with minimal setup time.
To use Mortgage Calculator, you need an API key. You can get one by creating a free account and visiting your dashboard.
POST Endpoint
https://api.apiverve.com/v1/mortgagecalculatorCode Examples
Here are examples of how to call the Mortgage Calculator API in different programming languages:
curl -X POST \
"https://api.apiverve.com/v1/mortgagecalculator" \
-H "X-API-Key: your_api_key_here" \
-H "Content-Type: application/json" \
-d '{
"amount": 570000,
"rate": 6.8,
"years": 30
}'const response = await fetch('https://api.apiverve.com/v1/mortgagecalculator', {
method: 'POST',
headers: {
'X-API-Key': 'your_api_key_here',
'Content-Type': 'application/json'
},
body: JSON.stringify({
"amount": 570000,
"rate": 6.8,
"years": 30
})
});
const data = await response.json();
console.log(data);import requests
headers = {
'X-API-Key': 'your_api_key_here',
'Content-Type': 'application/json'
}
payload = {
"amount": 570000,
"rate": 6.8,
"years": 30
}
response = requests.post('https://api.apiverve.com/v1/mortgagecalculator', headers=headers, json=payload)
data = response.json()
print(data)const https = require('https');
const url = require('url');
const options = {
method: 'POST',
headers: {
'X-API-Key': 'your_api_key_here',
'Content-Type': 'application/json'
}
};
const postData = JSON.stringify({
"amount": 570000,
"rate": 6.8,
"years": 30
});
const req = https.request('https://api.apiverve.com/v1/mortgagecalculator', options, (res) => {
let data = '';
res.on('data', (chunk) => data += chunk);
res.on('end', () => console.log(JSON.parse(data)));
});
req.write(postData);
req.end();<?php
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, 'https://api.apiverve.com/v1/mortgagecalculator');
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_CUSTOMREQUEST, 'POST');
curl_setopt($ch, CURLOPT_HTTPHEADER, [
'X-API-Key: your_api_key_here',
'Content-Type: application/json'
]);
curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode({
'amount': 570000,
'rate': 6.8,
'years': 30
}));
$response = curl_exec($ch);
curl_close($ch);
$data = json_decode($response, true);
print_r($data);
?>package main
import (
"fmt"
"io"
"net/http"
"bytes"
"encoding/json"
)
func main() {
payload := map[string]interface{}{
"amount": "570000",
"rate": "6.8",
"years": "30"
}
jsonPayload, _ := json.Marshal(payload)
req, _ := http.NewRequest("POST", "https://api.apiverve.com/v1/mortgagecalculator", bytes.NewBuffer(jsonPayload))
req.Header.Set("X-API-Key", "your_api_key_here")
req.Header.Set("Content-Type", "application/json")
client := &http.Client{}
resp, err := client.Do(req)
if err != nil {
panic(err)
}
defer resp.Body.Close()
body, _ := io.ReadAll(resp.Body)
fmt.Println(string(body))
}require 'net/http'
require 'json'
uri = URI('https://api.apiverve.com/v1/mortgagecalculator')
http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = true
payload = {
"amount": 570000,
"rate": 6.8,
"years": 30
}
request = Net::HTTP::Post.new(uri)
request['X-API-Key'] = 'your_api_key_here'
request['Content-Type'] = 'application/json'
request.body = payload.to_json
response = http.request(request)
puts JSON.pretty_generate(JSON.parse(response.body))using System;
using System.Net.Http;
using System.Text;
using System.Threading.Tasks;
class Program
{
static async Task Main(string[] args)
{
using var client = new HttpClient();
client.DefaultRequestHeaders.Add("X-API-Key", "your_api_key_here");
var jsonContent = @"{
""amount"": 570000,
""rate"": 6.8,
""years"": 30
}";
var content = new StringContent(jsonContent, Encoding.UTF8, "application/json");
var response = await client.PostAsync("https://api.apiverve.com/v1/mortgagecalculator", content);
response.EnsureSuccessStatusCode();
var responseBody = await response.Content.ReadAsStringAsync();
Console.WriteLine(responseBody);
}
}Authentication
The Mortgage Calculator API requires authentication via API key. Include your API key in the request header:
X-API-Key: your_api_key_hereInteractive API Playground
Test the Mortgage Calculator API directly in your browser with live requests and responses.
Parameters
The following parameters are available for the Mortgage Calculator API:
Calculate Mortgage
| Parameter | Type | Required | Description | Default | Example |
|---|---|---|---|---|---|
amount | number | required | The loan amount Range: min: 0 | - | |
rate | number | required | The interest rate (percentage) Range: 0 - 100 | - | |
years | integer | required | The loan term in years Range: 1 - 50 | - | |
downpayment | number | optional | The down payment amount Range: min: 0 | - | |
annual_propertytax | number | optional | The annual property tax amount Range: min: 0 | - | |
annual_homeinsurance | number | optional | The annual home insurance amount Range: min: 0 | - | |
annual_hoa | number | optional | The annual HOA amount Range: min: 0 | - |
Response
The Mortgage Calculator API returns responses in JSON, XML, YAML, and CSV formats:
Example Responses
{
"status": "ok",
"error": null,
"data": {
"amount": 570000,
"downpayment": 0,
"rate": 6.8,
"years": 30,
"total_interest_paid": 767750.49,
"total_loan_payment": 1337750.49,
"interestRatio": 57.39,
"monthly_payment": {
"total": 3715.97,
"mortgage": 3715.97,
"property_tax": 0,
"hoa": 0,
"home_insurance": 0
},
"annual_payment": {
"total": 44591.68,
"mortgage": 44591.68,
"property_tax": 0,
"hoa": 0,
"home_insurance": 0
},
"formatted": {
"amount": "$570,000",
"monthlyPayment": "$3,715.97",
"totalInterestPaid": "$767,750.49",
"totalLoanPayment": "$1,337,750.49"
},
"amortization_schedule": [
{
"month": 1,
"interest_payment": 3230,
"principal_payment": 485.97,
"remaining_balance": 569514.03
},
{
"month": 2,
"interest_payment": 3227.25,
"principal_payment": 488.73,
"remaining_balance": 569025.3
},
{
"month": 3,
"interest_payment": 3224.48,
"principal_payment": 491.5,
"remaining_balance": 568533.8
}
]
}
}<?xml version="1.0" encoding="UTF-8"?>
<response>
<status>ok</status>
<error xsi:nil="true" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"/>
<data>
<amount>570000</amount>
<downpayment>0</downpayment>
<rate>6.8</rate>
<years>30</years>
<total_interest_paid>767750.49</total_interest_paid>
<total_loan_payment>1337750.49</total_loan_payment>
<interestRatio>57.39</interestRatio>
<monthly_payment>
<total>3715.97</total>
<mortgage>3715.97</mortgage>
<property_tax>0</property_tax>
<hoa>0</hoa>
<home_insurance>0</home_insurance>
</monthly_payment>
<annual_payment>
<total>44591.68</total>
<mortgage>44591.68</mortgage>
<property_tax>0</property_tax>
<hoa>0</hoa>
<home_insurance>0</home_insurance>
</annual_payment>
<formatted>
<amount>$570,000</amount>
<monthlyPayment>$3,715.97</monthlyPayment>
<totalInterestPaid>$767,750.49</totalInterestPaid>
<totalLoanPayment>$1,337,750.49</totalLoanPayment>
</formatted>
<amortization_schedule>
<item>
<month>1</month>
<interest_payment>3230</interest_payment>
<principal_payment>485.97</principal_payment>
<remaining_balance>569514.03</remaining_balance>
</item>
<item>
<month>2</month>
<interest_payment>3227.25</interest_payment>
<principal_payment>488.73</principal_payment>
<remaining_balance>569025.3</remaining_balance>
</item>
<item>
<month>3</month>
<interest_payment>3224.48</interest_payment>
<principal_payment>491.5</principal_payment>
<remaining_balance>568533.8</remaining_balance>
</item>
</amortization_schedule>
</data>
</response>
status: ok
error: null
data:
amount: 570000
downpayment: 0
rate: 6.8
years: 30
total_interest_paid: 767750.49
total_loan_payment: 1337750.49
interestRatio: 57.39
monthly_payment:
total: 3715.97
mortgage: 3715.97
property_tax: 0
hoa: 0
home_insurance: 0
annual_payment:
total: 44591.68
mortgage: 44591.68
property_tax: 0
hoa: 0
home_insurance: 0
formatted:
amount: $570,000
monthlyPayment: $3,715.97
totalInterestPaid: $767,750.49
totalLoanPayment: $1,337,750.49
amortization_schedule:
- month: 1
interest_payment: 3230
principal_payment: 485.97
remaining_balance: 569514.03
- month: 2
interest_payment: 3227.25
principal_payment: 488.73
remaining_balance: 569025.3
- month: 3
interest_payment: 3224.48
principal_payment: 491.5
remaining_balance: 568533.8
| key | value |
|---|---|
| amount | 570000 |
| downpayment | 0 |
| rate | 6.8 |
| years | 30 |
| total_interest_paid | 767750.49 |
| total_loan_payment | 1337750.49 |
| interestRatio | 57.39 |
| monthly_payment | {total:3715.97,mortgage:3715.97,property_tax:0,hoa:0,home_insurance:0} |
| annual_payment | {total:44591.68,mortgage:44591.68,property_tax:0,hoa:0,home_insurance:0} |
| formatted | {amount:$570,000,monthlyPayment:$3,715.97,totalInterestPaid:$767,750.49,totalLoanPayment:$1,337,750.49} |
| amortization_schedule | [{month:1,interest_payment:3230,principal_payment:485.97,remaining_balance:569514.03},{month:2,interest_payment:3227.25,principal_payment:488.73,remaining_balance:569025.3},{month:3,interest_payment:3224.48,principal_payment:491.5,remaining_balance:568533.8}] |
Response Structure
All API responses follow a consistent structure with the following fields:
| Field | Type | Description | Example |
|---|---|---|---|
status | string | Indicates whether the request was successful ("ok") or failed ("error") | ok |
error | string | null | Contains error message if status is "error", otherwise null | null |
data | object | null | Contains the API response data if successful, otherwise null | {...} |
Learn more about response formats →
Response Data Fields
When the request is successful, the data object contains the following fields:
| Field | Type | Sample Value | Description |
|---|---|---|---|
amount | number | Loan amount in dollars | |
downpayment | number | Down payment amount provided | |
rate | number | Interest rate percentage used for calculation | |
years | number | Loan term in years | |
total_interest_paidPremium | number | Total interest paid over entire loan term | |
total_loan_paymentPremium | number | Total amount paid (principal + interest) | |
interestRatioPremium | number | Percentage of payment that is interest | |
monthly_payment | object | - | |
â”” total | number | Total monthly payment including all fees | |
â”” mortgage | number | Monthly mortgage payment (principal + interest) | |
â”” property_tax | number | Monthly property tax portion of payment | |
â”” hoa | number | Monthly HOA fee portion of payment | |
â”” home_insurance | number | Monthly home insurance portion of payment | |
annual_payment | object | - | |
â”” total | number | Total annual payment including all fees | |
â”” mortgage | number | Annual mortgage payment (principal + interest) | |
â”” property_tax | number | Annual property tax portion of payment | |
â”” hoa | number | Annual HOA fee portion of payment | |
â”” home_insurance | number | Annual home insurance portion of payment | |
formatted | object | - |
Headers
Required and optional headers for Mortgage Calculator API requests:
| Header Name | Required | Example Value | Description |
|---|---|---|---|
X-API-Key | required | your_api_key_here | Your APIVerve API key. Found in your dashboard under API Keys. |
Accept | optional | application/json | Specify response format: application/json (default), application/xml, or application/yaml |
User-Agent | optional | MyApp/1.0 | Identifies your application for analytics and debugging purposes |
X-Request-ID | optional | req_123456789 | Custom request identifier for tracking and debugging requests |
Cache-Control | optional | no-cache | Control caching behavior for the request and response |
GraphQL AccessALPHA
Access Mortgage Calculator through GraphQL to combine it with other API calls in a single request. Query only the mortgage calculator data you need with precise field selection, and orchestrate complex data fetching workflows.
Credit Cost: Each API called in your GraphQL query consumes its standard credit cost.
POST https://api.apiverve.com/v1/graphqlquery {
mortgagecalculator(
input: {
amount: 570000
rate: 6.8
years: 30
}
) {
amount
downpayment
rate
years
total_interest_paid
total_loan_payment
interestRatio
monthly_payment {
total
mortgage
property_tax
hoa
home_insurance
}
annual_payment {
total
mortgage
property_tax
hoa
home_insurance
}
formatted {
amount
monthlyPayment
totalInterestPaid
totalLoanPayment
}
amortization_schedule
}
}Note: Authentication is handled via the x-api-key header in your GraphQL request, not as a query parameter.
CORS Support
The Mortgage Calculator API supports Cross-Origin Resource Sharing (CORS) with wildcard configuration, allowing you to call Mortgage Calculator directly from browser-based applications without proxy servers.
| CORS Header | Value | Description |
|---|---|---|
Access-Control-Allow-Origin | * | Accepts requests from any origin |
Access-Control-Allow-Methods | * | Accepts any HTTP method |
Access-Control-Allow-Headers | * | Accepts any request headers |
Browser Usage: You can call Mortgage Calculator directly from JavaScript running in the browser without encountering CORS errors. No proxy server or additional configuration needed.
Rate Limiting
Mortgage Calculator API requests are subject to rate limiting based on your subscription plan. These limits ensure fair usage and maintain service quality for all Mortgage Calculator users.
| Plan | Rate Limit | Description |
|---|---|---|
| Free | 5 requests/min | Hard rate limit enforced - exceeding will return 429 errors |
| Starter | No Limit | Production ready - standard traffic priority |
| Pro | No Limit | Production ready - preferred traffic priority |
| Mega | No Limit | Production ready - highest traffic priority |
Learn more about rate limiting →
Rate Limit Headers
When rate limits apply, each Mortgage Calculator response includes headers to help you track your usage:
| Header | Description |
|---|---|
X-RateLimit-Limit | Maximum number of requests allowed per time window |
X-RateLimit-Remaining | Number of requests remaining in the current window |
X-RateLimit-Reset | Unix timestamp when the rate limit window resets |
Handling Rate Limits
Free Plan: When you exceed your rate limit, Mortgage Calculator returns a 429 Too Many Requests status code. Your application should implement appropriate backoff logic to handle this gracefully.
Paid Plans: No rate limiting or throttling applied. All paid plans (Starter, Pro, Mega) are production-ready.
Best Practices for Mortgage Calculator:
- Monitor the rate limit headers to track your Mortgage Calculator usage (Free plan only)
- Cache mortgage calculator responses where appropriate to reduce API calls
- Upgrade to Pro or Mega for guaranteed no-throttle Mortgage Calculator performance
Note: Mortgage Calculator rate limits are separate from credit consumption. You may have credits remaining but still hit rate limits when using Mortgage Calculator on Free tier.
Error Codes
The Mortgage Calculator API uses standard HTTP status codes to indicate success or failure:
| Code | Message | Description | Solution |
|---|---|---|---|
200 | OK | Request successful, data returned | No action needed - request was successful |
400 | Bad Request | Invalid request parameters or malformed request | Check required parameters and ensure values match expected formats |
401 | Unauthorized | Missing or invalid API key | Include x-api-key header with valid API key from dashboard |
403 | Forbidden | API key lacks permission or insufficient credits | Check credit balance in dashboard or upgrade plan |
429 | Too Many Requests | Rate limit exceeded (Free: 5 req/min) | Implement request throttling or upgrade to paid plan |
500 | Internal Server Error | Server error occurred | Retry request after a few seconds, contact support if persists |
503 | Service Unavailable | API temporarily unavailable | Wait and retry, check status page for maintenance updates |
Learn more about error handling →
Need help? Contact support with your X-Request-ID for assistance.
Integrate Mortgage Calculator with SDKs
Get started quickly with official Mortgage Calculator SDKs for your preferred language. Each library handles authentication, request formatting, and error handling automatically.
Available for Node.js, Python, C#/.NET, and Android/Java. All SDKs are open source and regularly updated.
Integrate Mortgage Calculator with No-Code API Tools
Connect the Mortgage Calculator API to your favorite automation platform without writing code. Build workflows that leverage mortgage calculator data across thousands of apps.





All platforms use your same API key to access Mortgage Calculator. Visit our integrations hub for step-by-step setup guides.
Frequently Asked Questions
How do I get an API key for Mortgage Calculator?
How many credits does Mortgage Calculator cost?
Each successful Mortgage Calculator API call consumes credits based on plan tier. Check the pricing section above for the exact credit cost. Failed requests and errors don't consume credits, so you only pay for successful mortgage calculator lookups.
Can I use Mortgage Calculator in production?
The free plan is for testing and development only. For production use of Mortgage Calculator, upgrade to a paid plan (Starter, Pro, or Mega) which includes commercial use rights, no attribution requirements, and guaranteed uptime SLAs. All paid plans are production-ready.
Can I use Mortgage Calculator from a browser?
What happens if I exceed my Mortgage Calculator credit limit?
When you reach your monthly credit limit, Mortgage Calculator API requests will return an error until you upgrade your plan or wait for the next billing cycle. You'll receive notifications at 80% and 95% usage to give you time to upgrade if needed.



