Mortgage Calculator API

Overview

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/mortgagecalculator

Example

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)

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))
}

{
  "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
      }
    ]
  }
}

Authentication

The Mortgage Calculator API requires authentication via API key. Include your API key in the request header:

X-API-Key: your_api_key_here

Learn more about authentication →

Interactive 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:

Response

The Mortgage Calculator API returns responses in JSON, XML, YAML, and CSV formats. The JSON response is shown in the Example section above; alternative formats below.

Other Response Formats

<?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

Response Structure

All API responses follow a consistent structure with the following fields:

Learn more about response formats →

Response Data Fields

When the request is successful, the data object contains the following fields:

Headers

Only X-API-Key is required. Optional headers include Accept for response format negotiation (JSON, XML, or YAML), User-Agent, and X-Request-ID for request tracing. See all request headers →

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/graphql

query {
  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 accepts cross-origin requests from any origin, so it can be called directly from browser-based applications without a proxy. See CORS support →

Rate Limiting

Mortgage Calculator requests are throttled per minute on the Free plan and unthrottled on paid plans. Exceeding the limit returns 429 Too Many Requests; rate-limit usage is reported in the X-RateLimit-Limit, X-RateLimit-Remaining, and X-RateLimit-Reset response headers. See per-plan limits and best practices →

Error Codes

The Mortgage Calculator API uses standard HTTP status codes — 200 on success, 400 for invalid parameters, 401 for missing or invalid keys, 403 for insufficient credits, 429 for rate-limit exhaustion, and 500/503 for server-side issues. Each error response includes an X-Request-ID header you can quote when contacting support. See full error handling guide →

SDKs for Mortgage Calculator

Official Mortgage Calculator packages on npm, PyPI, NuGet, and JitPack — plus a Postman collection and an OpenAPI spec. See the SDK guide →

JitPack

No-Code Integrations

Mortgage Calculator works with Zapier, Make, Pipedream, n8n, and Power Automate using the same API key. See setup guides →

Zapier

Make

Pipedream

n8n

Power Automate

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