{"name":"mortgage","title":"Mortgage Payment Calculator","category":"finance","description":"Monthly principal+interest, PMI, taxes, insurance and full amortization for a home loan.","price_usd":0.002,"input_schema":{"type":"object","properties":{"home_price":{"type":"number","description":"Purchase price in USD"},"annual_rate":{"type":"number","description":"Interest rate as a DECIMAL (0.07 = 7%), not a percent"},"down_payment":{"type":"number","description":"Down payment in USD"},"term_years":{"type":"number","description":"Loan term in years (default 30)"},"annual_taxes":{"type":"number","description":"Annual property tax in USD"},"annual_insurance":{"type":"number","description":"Annual homeowners insurance in USD"},"monthly_hoa":{"type":"number","description":"Monthly HOA dues in USD"},"pmi_rate":{"type":"number","description":"Annual PMI rate as a decimal"},"pmi_ltv_threshold":{"type":"number","description":"LTV above which PMI applies (default 0.80)"}},"additionalProperties":false,"required":["home_price","annual_rate"]}}