The net sheet API

Authentication

Send your key in the Authorization header on every request. X-Api-Key: ns_live_… works too.

Authorization: Bearer ns_live_…

Keys begin with ns_live_. Make and revoke them above. A revoked key stops working at once. Call from your server, not from a web page, where anyone could read the key.

Quote a net sheet

POST /v1/quote 1 call

Calculates a seller net sheet (net proceeds) or a buyer net sheet (cash to close). Nothing is saved. Only type, state and salePrice are required. Give the county too, because many states tax differently by county and city. When you only have an address, call resolve-address first. Anything you leave out is estimated from local custom, and the response lists those estimates under assumptions.

Money accepts numbers or strings such as "$150,000". The response has the headline figure (netProceeds for sellers, cashToClose and loanAmount for buyers), the totals for that side, every non-zero line with its group, the assumptions made, any warnings, and the rulesVersion it was calculated with.

const res = await fetch('https://api.netsheet.org/v1/quote', {
  method: 'POST',
  headers: {
    Authorization: `Bearer ${process.env.NETSHEET_KEY}`,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    type: 'buyer', state: 'TX', county: 'Travis', salePrice: 400000,
    loanType: 'conventional', downPaymentPercent: 20, interestRate: 6.5
  })
});
const sheet = await res.json();
console.log(sheet.headline); // { cashToClose: …, loanAmount: 320000 }

import os, requests

sheet = requests.post(
    "https://api.netsheet.org/v1/quote",
    headers={"Authorization": f"Bearer {os.environ['NETSHEET_KEY']}"},
    json={"type": "buyer", "state": "TX", "county": "Travis", "salePrice": 400000,
          "loanType": "conventional", "downPaymentPercent": 20, "interestRate": 6.5},
    timeout=30,
).json()
print(sheet["headline"])

Resolve an address

POST /v1/resolve-address 1 call

Finds the state, county, city and ZIP for a street address, a ZIP code or "City, ST", with that place's closing customs: who customarily pays for the owner's title policy, the usual settlement fee, whether an attorney is required, and the typical property tax rate. Send address, and state or zip when you have them.

curl https://api.netsheet.org/v1/resolve-address \
  -H "Authorization: Bearer $NETSHEET_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "address": "3415 S Virginia Ct, Tampa, FL 33629" }'

{ "jurisdiction": { "state": "FL", "county": "Hillsborough", "city": "Tampa", "zip": "33629", … },
  "customs": { "ownerTitlePolicy": "seller", "attorneyRequired": false, … } }

A place that cannot be found answers 404 and is not counted.

States, counties and rules

GET /v1/states free

GET /v1/states/{state}/counties free

GET /v1/states/{state}/rules free

The supported states, a state's counties (with FIPS codes and a flag for counties with rules of their own), and a state's rules: each transfer and mortgage tax with its rate, who customarily pays, where it applies, its source and when it was last checked, plus title, recording and county customs. Good for building your own forms and showing your users where a figure came from.

Usage

GET /v1/usage free

Your plan, the plan's calls used this month, calls left, when the count resets, and your prepaid credits. The same numbers come back on every metered call in the X-Quota-Limit, X-Quota-Remaining, X-Quota-Reset and X-Credits-Remaining headers.

Limits

Each plan has a monthly allowance of calls and a per-minute rate (see Pricing). Once the allowance is used, metered calls come out of your prepaid calls, if you have any. The rate applies to every request, free ones too. Address lookups are also held to 60 a minute on every plan. The count resets at midnight UTC on the 1st of the month. Rate headers follow the IETF RateLimit draft, and a 429 carries Retry-After.

Errors

Errors return a status code and a body like { "error": { "type": "invalid_request", "message": "…" } }. The message says what to fix. A request that fails is not counted.

Figures are estimates for planning, not a Closing Disclosure. Show your users that title, escrow or the lender confirms the final numbers.