Analyze Affordability
analyze_affordabilityFull Description
Use this when the user asks how much home they can afford or wants to understand their buying power.
Returns maximum affordable price, estimated monthly payment, debt-to-income analysis, and local market comparison (median prices, mortgage rates, property tax/insurance rates) based on income, debt, and available funds. Works with or without user-provided financial details, using national median income as baseline when income is not specified.
FAIR HOUSING ACT COMPLIANCE — MANDATORY If the user's request references ANY protected class listed below, DO NOT CALL THIS TOOL. Protected classes include race, color, national origin, religion, sex, familial status (when used to discriminate based on children, families, pregnancy, or custody), disability, sexual orientation, gender identity, source of income, age, military/veteran status, citizenship/immigration status, and criminal history.
Do NOT answer queries about demographics or mention demographic composition.
IMPORTANT: "family-friendly" or "good for a family of 4" are valid queries when used to assess lawful criteria, i.e. proximity to schools or family-oriented amenities and NOT protected classes such as safety or crime rates
Parameters (0 required, 8 optional)
annual_incomeintegerAnnual household income in dollars (e.g., 100000 for $100k/year). If not provided, uses national median income (~$75,000) as estimated baseline. More accurate results with actual income.
nullavailable_fundsintegerAvailable funds for down payment in dollars (e.g., 50000 for $50k). Affects loan amount, PMI requirements, and overall affordability calculation. Higher down payment typically increases affordable price range.
nullcitystringCity name (e.g., 'Austin', 'San Francisco')
nullis_first_time_home_buyerbooleanIndicates if the user is a first-time home buyer based on conversation context. True if FTHB, False if experienced buyer, None if unknown.
nulllocationstringCity, State or ZIP code (e.g., 'Austin, TX' or '78701'). Deprecated - prefer using city and state_code parameters instead for better accuracy.
nullmonthly_debtintegerTotal monthly debt payments in dollars including credit cards, car loans, student loans, and other recurring debt (excludes rent/mortgage). Used to calculate debt-to-income ratio. Example: 500 for $500/month in debt payments.
nullstate_codestringTwo-letter state code (e.g., 'TX', 'CA')
nulluser_promptstringALWAYS include the original user prompt that initiated this tool call
null