{"openapi":"3.1.0","info":{"title":"Escrow API","version":"0.1.0","description":"A fully local home-buying and mortgage reference and calculator toolkit: mortgage payment and amortization math, a PMI estimator, closing-cost and down-payment calculators, a rent-vs-buy comparison, the 28/36 affordability rule, a home-inspection checklist, and a real-estate glossary. Educational only, not financial or legal advice.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://escrow.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/escrow/docs"},"termsOfService":"https://connectorbay.com/escrow/terms"},"servers":[{"url":"https://escrow.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/escrow/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/mortgage_payment_calculator":{"post":{"operationId":"mortgage_payment_calculator","summary":"The real monthly principal & interest (P&I) payment for a fixed-rate mortgage, using the standard","description":"The real monthly principal & interest (P&I) payment for a fixed-rate mortgage, using the standard\n    amortization formula, plus total paid and total interest over the full term. Use for \"what's my monthly\n    payment on a $400,000 loan at 6.5% for 30 years\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"principal":{"description":"Loan amount financed, in dollars.","exclusiveMinimum":0,"title":"Principal","type":"number"},"annual_rate_percent":{"description":"Annual (nominal) mortgage interest rate, %.","minimum":0,"title":"Annual Rate Percent","type":"number"},"years":{"description":"Loan term in years.","exclusiveMinimum":0,"maximum":50,"title":"Years","type":"integer"}},"required":["principal","annual_rate_percent","years"],"title":"mortgage_payment_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/pmi_estimator":{"post":{"operationId":"pmi_estimator","summary":"Computes loan-to-value (LTV) from a loan amount and home value, says whether PMI would typically be","description":"Computes loan-to-value (LTV) from a loan amount and home value, says whether PMI would typically be\n    required (commonly above 80% LTV on a conventional loan), and gives a rough typical annual/monthly PMI cost\n    range. Use for \"will I need PMI on a 10% down payment on a $350,000 house\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"loan_amount":{"description":"The mortgage loan amount, in dollars.","exclusiveMinimum":0,"title":"Loan Amount","type":"number"},"home_value":{"description":"The home's purchase price or appraised value, in dollars.","exclusiveMinimum":0,"title":"Home Value","type":"number"}},"required":["loan_amount","home_value"],"title":"pmi_estimatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/closing_cost_estimator":{"post":{"operationId":"closing_cost_estimator","summary":"A rough closing-cost estimate using the commonly cited 2-5% of home price range — heavily caveated, since","description":"A rough closing-cost estimate using the commonly cited 2-5% of home price range — heavily caveated, since\n    closing costs vary enormously by location, lender, and loan type. Use for \"roughly what are closing costs on\n    a $500,000 house\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"home_price":{"description":"The home's purchase price, in dollars.","exclusiveMinimum":0,"title":"Home Price","type":"number"}},"required":["home_price"],"title":"closing_cost_estimatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/rent_vs_buy_calculator":{"post":{"operationId":"rent_vs_buy_calculator","summary":"Compares total rent paid vs. real mortgage principal & interest cost over a chosen number of years,","description":"Compares total rent paid vs. real mortgage principal & interest cost over a chosen number of years,\n    including a version that credits back the home equity built from principal paid down. Clearly excludes\n    property tax, insurance, PMI, HOA, maintenance, closing costs, and appreciation. Use for \"should I rent at\n    $2,500/month or buy this $450,000 house\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"monthly_rent":{"description":"Current or comparable monthly rent, in dollars.","exclusiveMinimum":0,"title":"Monthly Rent","type":"number"},"home_price":{"description":"Purchase price of the home being considered.","exclusiveMinimum":0,"title":"Home Price","type":"number"},"down_payment":{"description":"Cash down payment, in dollars.","minimum":0,"title":"Down Payment","type":"number"},"mortgage_rate_percent":{"description":"Annual mortgage interest rate, %.","minimum":0,"title":"Mortgage Rate Percent","type":"number"},"years":{"description":"Number of years to compare.","exclusiveMinimum":0,"maximum":50,"title":"Years","type":"integer"},"loan_term_years":{"default":30,"description":"The mortgage's amortization term in years.","exclusiveMinimum":0,"maximum":50,"title":"Loan Term Years","type":"integer"}},"required":["monthly_rent","home_price","down_payment","mortgage_rate_percent","years"],"title":"rent_vs_buy_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/affordability_calculator":{"post":{"operationId":"affordability_calculator","summary":"Applies the standard 28/36 front-end/back-end debt-to-income rule to income and existing debts to estimate","description":"Applies the standard 28/36 front-end/back-end debt-to-income rule to income and existing debts to estimate\n    a rough affordable home-price range (conservative and upper-bound), using a stated assumed mortgage\n    rate/term. Use for \"how much house can I afford making $120,000/year with $600/month in debts\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"annual_income":{"description":"Gross (pre-tax) annual household income, in dollars.","exclusiveMinimum":0,"title":"Annual Income","type":"number"},"monthly_debts":{"description":"Existing recurring monthly debt payments (car loans, student loans, credit cards, etc.), excluding housing.","minimum":0,"title":"Monthly Debts","type":"number"},"down_payment_available":{"description":"Cash available for a down payment, in dollars.","minimum":0,"title":"Down Payment Available","type":"number"},"assumed_rate_percent":{"default":6.5,"description":"Mortgage rate to assume for translating a payment budget into a price (no live quote is available) — replace with your own quoted rate for a more accurate range.","minimum":0,"title":"Assumed Rate Percent","type":"number"},"loan_term_years":{"default":30,"description":"Assumed loan term in years.","exclusiveMinimum":0,"maximum":50,"title":"Loan Term Years","type":"integer"},"tax_insurance_hoa_reserve_pct":{"default":25.0,"description":"Share of the max housing payment reserved for property tax/insurance/HOA rather than P&I, for the conservative estimate.","exclusiveMaximum":100,"minimum":0,"title":"Tax Insurance Hoa Reserve Pct","type":"number"}},"required":["annual_income","monthly_debts","down_payment_available"],"title":"affordability_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/home_inspection_checklist":{"post":{"operationId":"home_inspection_checklist","summary":"A general checklist of things to check or ask about during a home inspection: roof age, foundation,","description":"A general checklist of things to check or ask about during a home inspection: roof age, foundation,\n    electrical panel, plumbing age/material, HVAC age, water heater, signs of water damage/mold, and more. Use\n    for \"what should I check during a home inspection\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{},"title":"home_inspection_checklistArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/real_estate_glossary":{"post":{"operationId":"real_estate_glossary","summary":"Definitions of common real-estate and mortgage terms (escrow, PMI, LTV, closing costs, earnest money,","description":"Definitions of common real-estate and mortgage terms (escrow, PMI, LTV, closing costs, earnest money,\n    contingency, appraisal, title insurance, and more). Use for \"what does contingency mean in real estate\",\n    \"what's an LTV\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"}},"title":"real_estate_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/amortization_schedule":{"post":{"operationId":"amortization_schedule","summary":"A genuine year-by-year breakdown of principal vs. interest paid for one year of a fixed-rate mortgage,","description":"A genuine year-by-year breakdown of principal vs. interest paid for one year of a fixed-rate mortgage,\n    plus the balance at the start and end of that year. Use for \"how much of year 5's payments on my 30-year\n    mortgage go to principal vs. interest\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"principal":{"description":"Loan amount financed, in dollars.","exclusiveMinimum":0,"title":"Principal","type":"number"},"annual_rate_percent":{"description":"Annual mortgage interest rate, %.","minimum":0,"title":"Annual Rate Percent","type":"number"},"years":{"description":"Loan term in years.","exclusiveMinimum":0,"maximum":50,"title":"Years","type":"integer"},"year_number":{"description":"Which year of the loan to break down (1 = first year).","exclusiveMinimum":0,"title":"Year Number","type":"integer"}},"required":["principal","annual_rate_percent","years","year_number"],"title":"amortization_scheduleArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/down_payment_calculator":{"post":{"operationId":"down_payment_calculator","summary":"The real down payment amount and resulting loan amount for a given percentage of home price, plus the","description":"The real down payment amount and resulting loan amount for a given percentage of home price, plus the\n    resulting loan-to-value and whether PMI would typically apply. Use for \"what's a 20% down payment on a\n    $600,000 house\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"home_price":{"description":"The home's purchase price, in dollars.","exclusiveMinimum":0,"title":"Home Price","type":"number"},"percent":{"description":"Down payment as a percentage of home price.","maximum":100,"minimum":0,"title":"Percent","type":"number"}},"required":["home_price","percent"],"title":"down_payment_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}