Porchlight MCP

{
  "type": "object",
  "required": [
    "state",
    "county"
  ],
  "properties": {
    "state": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "Two-letter state or territory code, e.g. CA, DC or PR."
    },
    "county": {
      "type": "string",
      "maxLength": 80,
      "minLength": 2,
      "description": "County or equivalent name, e.g. \"Los Angeles\" or \"Kent County\"."
    }
  },
  "additionalProperties": false
}

{
  "title": "FHA and conforming loan limits for a county",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "sort": {
      "enum": [
        "name",
        "fha_high_to_low",
        "fha_low_to_high"
      ],
      "type": "string",
      "default": "name",
      "description": "Order of the county list."
    },
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 50,
      "minimum": 1,
      "description": "Counties per page."
    },
    "state": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "Two-letter state or territory code, e.g. FL."
    },
    "units": {
      "enum": [
        2,
        3,
        4
      ],
      "type": "integer",
      "default": 4,
      "description": "Unit count the FHA sort uses."
    },
    "offset": {
      "type": "integer",
      "default": 0,
      "maximum": 500,
      "minimum": 0,
      "description": "Counties to skip, for paging."
    },
    "high_cost_only": {
      "type": "boolean",
      "default": false,
      "description": "Only counties whose FHA limit is above the national floor."
    }
  },
  "additionalProperties": false
}

{
  "title": "Loan limits for every county in a state",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "required": [
    "units",
    "price",
    "loan_type",
    "rate_pct",
    "rents"
  ],
  "properties": {
    "price": {
      "type": "number",
      "maximum": 20000000,
      "minimum": 10000,
      "description": "Purchase price in dollars."
    },
    "rents": {
      "type": "array",
      "items": {
        "type": "number",
        "maximum": 100000,
        "minimum": 0
      },
      "maxItems": 4,
      "minItems": 2,
      "description": "Monthly market rent per unit, one per unit; the first is the unit the buyer will live in. E.g. [1800, 1800, 1800]."
    },
    "state": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "Optional two-letter state code, to check the loan against the county limit."
    },
    "units": {
      "enum": [
        2,
        3,
        4
      ],
      "type": "integer",
      "description": "Units in the building: 2 duplex, 3 triplex, 4 fourplex."
    },
    "county": {
      "type": "string",
      "maxLength": 80,
      "minLength": 2,
      "description": "Optional county name (needs state)."
    },
    "rate_pct": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Interest rate in percent, e.g. 6.5. Use the rate the buyer was quoted; there is no default."
    },
    "loan_type": {
      "enum": [
        "FHA",
        "VA",
        "Conventional"
      ],
      "type": "string",
      "description": "Loan program."
    },
    "term_years": {
      "enum": [
        15,
        30
      ],
      "type": "integer",
      "default": 30,
      "description": "Loan term."
    },
    "vacancy_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Appraiser's vacancy and maintenance estimate, %. The self-sufficiency test uses the greater of this or 25."
    },
    "va_entitlement": {
      "enum": [
        "full",
        "partial"
      ],
      "type": "string",
      "default": "full",
      "description": "VA only: full (none in use) or partial (some still in use on another loan)."
    },
    "down_payment_pct": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as % of price. Defaults to 3.5 (FHA), 0 (VA) or 5 (Conventional)."
    },
    "insurance_annual": {
      "type": "number",
      "default": 0,
      "maximum": 1000000,
      "minimum": 0,
      "description": "Annual homeowners insurance in dollars."
    },
    "finance_upfront_mip": {
      "type": "boolean",
      "default": true,
      "description": "FHA only: add the 1.75% upfront premium to the loan."
    },
    "property_tax_annual": {
      "type": "number",
      "default": 0,
      "maximum": 1000000,
      "minimum": 0,
      "description": "Annual property tax in dollars."
    }
  },
  "additionalProperties": false
}

{
  "title": "Owner-occupant math for a duplex, triplex or fourplex",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}