Price the full monthly payment, walk the amortization month by month, and fold the home into a real net-worth snapshot.
Finance 6 min read
POST /tools/mortgage
{"home_price":480000,"annual_rate":0.0675,"down_payment":96000,"term_years":30}mortgage returns the full monthly payment — principal, interest, PMI, taxes, and insurance — not just the bare P&I number a quick estimate gives you.
amortization-schedule takes the financed principal and rate and returns a month-by-month table: principal, interest, and remaining balance for every payment over the term. Useful for answering "how much equity do I actually have in year 7" precisely instead of by rule of thumb.
net-worth takes cash, investments, the home's value, and the mortgage balance, and returns total assets minus liabilities plus a liquid net-worth figure. The mortgage-decision-kit template runs all three in sequence so the home and its balance land in the net-worth snapshot automatically.