US Mortgage Calculator MCP

An MCP server providing 11 tools, 7 resources, and 7 prompts for US mortgage calculations, including PITI, property tax, PMI, affordability, and closing costs across all 50 states. It serves as the agent-accessible interface for the US Mortgage Calculator's reference data and estimation logic.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-06Operated by DevScriptify

MCP endpoint (Streamable HTTP)

https://www.usmortgagecalc.com/mcp

Vendor documentation

What its tools do

11 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

11 of 11 have a description · 11 of 11 declare behavior hints · 11 of 11 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

Passed Endpoint answered the live check · Nov 6, 2026, 11:28 PM UTC
Passed Official MCP Registry namespace is tied to usmortgagecalc.com · Nov 6, 2026, 11:15 PM UTC
Passed Endpoint is on the registry namespace domain · Nov 6, 2026, 11:15 PM UTC
Availability 1 of 1 checks passed in 30 days

What you can do with it

Calculate monthly mortgage payments (PITI) and total interest
Estimate closing costs by state with itemized fees
Determine home affordability using 28/36 debt-to-income rules
Compare rent-versus-buy costs and break-even periods

Source and maintenance

Vendor evidenceRegistry 1.0.1

mcp-registry: com.usmortgagecalc/mortgage@1.0.1 Project website

Protocol and capabilities

Server: usmortgagecalc 1.0.0
MCP protocol negotiated in check: 2025-11-25
Tools: 11 advertised
Resources: 6 advertised
Resource templates: 1 advertised
Prompts: 7 advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": true
  },
  "prompts": {
    "listChanged": true
  },
  "resources": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

US mortgage calculations and 50-state property tax reference data. Most tools accept either `state` (a full US state name) or an explicit `propertyTaxRatePercent`. Prefer passing the state — the tool then uses that state's average effective rate and tells you what it used. Call list_states to discover valid names. Everything here is an estimate built from published averages. It is not a loan offer, a rate quote, or financial advice, and this service is not a lender and cannot accept an application. Say so when presenting results, and prefer reporting the returned `disclaimer` and `assumptions` alongside the numbers rather than presenting figures as though they were quotes. There is no live interest rate feed: rates are supplied by the caller and default to a placeholder. If a user has a real quoted rate, pass it.

Tools

11 advertised

calculate_mortgage — Calculate a monthly mortgage payment

Advertised by the server during the last successful anonymous check.

Advertised read-only

Full monthly housing cost for a US mortgage: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues, plus lifetime totals and payoff timing. Pass a state name to use that state's average property tax rate. This is the right tool for 'what would my payment be on a $400,000 house'.

calculate_mortgage input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "homePrice"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
    },
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "usda"
      ],
      "type": "string",
      "default": "conventional",
      "description": "Loan programme. Affects mortgage insurance and upfront fees."
    },
    "homePrice": {
      "type": "number",
      "maximum": 100000000,
      "description": "Purchase price of the home in US dollars.",
      "exclusiveMinimum": 0
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly homeowners association dues in US dollars."
    },
    "loanTermYears": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Loan term in years. Most US mortgages are 15 or 30."
    },
    "annualInsurance": {
      "type": "number",
      "default": 1800,
      "minimum": 0,
      "description": "Annual homeowners insurance premium in US dollars."
    },
    "downPaymentPercent": {
      "type": "number",
      "default": 20,
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount."
    },
    "monthlyExtraPrincipal": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Additional principal paid each month. Shortens the loan rather than lowering the payment."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average."
    },
    "annualInterestRatePercent": {
      "type": "number",
      "default": 6.5,
      "maximum": 30,
      "minimum": 0,
      "description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%."
    }
  },
  "description": "Full monthly housing cost: principal, interest, taxes, insurance, PMI and HOA."
}

calculate_mortgage annotations

{
  "title": "Calculate a monthly mortgage payment",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

calculate_amortization — Build an amortization schedule

Advertised by the server during the last successful anonymous check.

Advertised read-only

Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularity 'monthly' for the first years in detail, 'yearly' for a whole-term overview. Also reports how much sooner extra principal pays the loan off.

calculate_amortization input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "homePrice"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
    },
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "usda"
      ],
      "type": "string",
      "default": "conventional",
      "description": "Loan programme. Affects mortgage insurance and upfront fees."
    },
    "homePrice": {
      "type": "number",
      "maximum": 100000000,
      "description": "Purchase price of the home in US dollars.",
      "exclusiveMinimum": 0
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly homeowners association dues in US dollars."
    },
    "granularity": {
      "enum": [
        "yearly",
        "monthly"
      ],
      "type": "string",
      "default": "yearly",
      "description": "Yearly returns one row per year; monthly returns one row per payment, up to 600 rows."
    },
    "loanTermYears": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Loan term in years. Most US mortgages are 15 or 30."
    },
    "annualInsurance": {
      "type": "number",
      "default": 1800,
      "minimum": 0,
      "description": "Annual homeowners insurance premium in US dollars."
    },
    "downPaymentPercent": {
      "type": "number",
      "default": 20,
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount."
    },
    "monthlyExtraPrincipal": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Additional principal paid each month. Shortens the loan rather than lowering the payment."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average."
    },
    "annualInterestRatePercent": {
      "type": "number",
      "default": 6.5,
      "maximum": 30,
      "minimum": 0,
      "description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%."
    }
  },
  "description": "Amortization schedule showing how each payment splits between principal and interest."
}

calculate_amortization annotations

{
  "title": "Build an amortization schedule",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

calculate_pmi — Calculate mortgage insurance

Advertised by the server during the last successful anonymous check.

Advertised read-only

Mortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month it cancels at 80% and 78% loan-to-value. FHA: the 1.75% upfront premium, monthly MIP, and whether it runs for the life of the loan or ends after 11 years. VA: the funding fee, tiered by down payment and prior use, and waivers. USDA: guarantee and annual fees.

calculate_pmi input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "homePrice"
  ],
  "properties": {
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "usda"
      ],
      "type": "string",
      "default": "conventional",
      "description": "Loan programme. Affects mortgage insurance and upfront fees."
    },
    "homePrice": {
      "type": "number",
      "maximum": 100000000,
      "description": "Purchase price of the home in US dollars.",
      "exclusiveMinimum": 0
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "FHA only: sets the minimum down payment. 580+ qualifies for 3.5%."
    },
    "loanTermYears": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Loan term in years. Most US mortgages are 15 or 30."
    },
    "vaSubsequentUse": {
      "type": "boolean",
      "default": false,
      "description": "VA only: entitlement used before."
    },
    "downPaymentPercent": {
      "type": "number",
      "default": 10,
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount."
    },
    "monthlyExtraPrincipal": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Extra principal paid monthly."
    },
    "vaExemptFromFundingFee": {
      "type": "boolean",
      "default": false,
      "description": "VA only: funding fee waived."
    },
    "annualInterestRatePercent": {
      "type": "number",
      "default": 6.5,
      "maximum": 30,
      "minimum": 0,
      "description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%."
    }
  },
  "description": "Mortgage insurance for any programme: conventional PMI with its cancellation point, FHA MIP and upfront premium, the VA funding fee, or USDA fees."
}

calculate_pmi annotations

{
  "title": "Calculate mortgage insurance",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

calculate_property_tax — Estimate property tax

Advertised by the server during the last successful anonymous check.

Advertised read-only

Annual and monthly property tax for a home, using a state's average effective rate. Also returns how that state ranks nationally and how its rate compares with the national average. For the mechanics behind the number — assessment basis, caps, exemptions, appeal deadlines — use get_state_mortgage_rules.

calculate_property_tax input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "homePrice",
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\"."
    },
    "homePrice": {
      "type": "number",
      "description": "Home value in US dollars.",
      "exclusiveMinimum": 0
    }
  }
}

calculate_property_tax annotations

{
  "title": "Estimate property tax",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

calculate_affordability — Work out how much house someone can afford

Advertised by the server during the last successful anonymous check.

Advertised read-only

Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports which of the two ratios is the binding constraint, which is the actionable part: a buyer limited by the back-end ratio can raise their budget by clearing debt, one limited by the front-end ratio cannot.

calculate_affordability input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "annualGrossIncome",
    "downPaymentAmount"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly HOA dues."
    },
    "loanTermYears": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Loan term in years. Most US mortgages are 15 or 30."
    },
    "annualInsurance": {
      "type": "number",
      "default": 1800,
      "minimum": 0,
      "description": "Annual homeowners insurance premium."
    },
    "annualGrossIncome": {
      "type": "number",
      "description": "Household income before tax, in US dollars per year.",
      "exclusiveMinimum": 0
    },
    "downPaymentAmount": {
      "type": "number",
      "minimum": 0,
      "description": "Cash available for the down payment, in US dollars. A dollar amount, not a percentage."
    },
    "backEndRatioPercent": {
      "type": "number",
      "default": 36,
      "maximum": 100,
      "minimum": 1,
      "description": "Maximum total debt as a share of gross income. 36 is conservative; lenders often allow 45 and sometimes 50."
    },
    "monthlyDebtPayments": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing."
    },
    "frontEndRatioPercent": {
      "type": "number",
      "default": 28,
      "maximum": 100,
      "minimum": 1,
      "description": "Maximum housing cost as a share of gross income. 28 is the conservative standard."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average."
    },
    "annualInterestRatePercent": {
      "type": "number",
      "default": 6.5,
      "maximum": 30,
      "minimum": 0,
      "description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%."
    }
  },
  "description": "Maximum affordable home price from income, debts and available down payment."
}

calculate_affordability annotations

{
  "title": "Work out how much house someone can afford",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

calculate_refinance — Evaluate a refinance

Advertised by the server during the last successful anonymous check.

Advertised read-only

Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetime interest, which catches the common trap where a lower payment costs more overall because the term was reset.

calculate_refinance input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "currentBalance",
    "currentAnnualRatePercent",
    "currentRemainingTermMonths",
    "newAnnualRatePercent",
    "closingCosts"
  ],
  "properties": {
    "closingCosts": {
      "type": "number",
      "minimum": 0,
      "description": "Total cost to close the refinance, in US dollars."
    },
    "newTermYears": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Loan term in years. Most US mortgages are 15 or 30."
    },
    "currentBalance": {
      "type": "number",
      "description": "Remaining principal on the existing loan.",
      "exclusiveMinimum": 0
    },
    "financeClosingCosts": {
      "type": "boolean",
      "default": false,
      "description": "Roll closing costs into the new balance instead of paying cash."
    },
    "newAnnualRatePercent": {
      "type": "number",
      "maximum": 30,
      "minimum": 0,
      "description": "Interest rate being offered."
    },
    "currentAnnualRatePercent": {
      "type": "number",
      "maximum": 30,
      "minimum": 0,
      "description": "Interest rate on the existing loan."
    },
    "currentRemainingTermMonths": {
      "type": "integer",
      "maximum": 600,
      "description": "Months still to run on the existing loan.",
      "exclusiveMinimum": 0
    }
  },
  "description": "Refinance break-even in months, plus the effect on lifetime interest."
}

calculate_refinance annotations

{
  "title": "Evaluate a refinance",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

estimate_closing_costs — Itemise closing costs

Advertised by the server during the last successful anonymous check.

Advertised read-only

Line-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table including the down payment. Marks which items are worth shopping for and which are fixed by the county, and adds the FHA upfront premium, VA funding fee or USDA guarantee fee where they apply.

estimate_closing_costs input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "homePrice"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
    },
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "usda"
      ],
      "type": "string",
      "default": "conventional",
      "description": "Loan programme. Affects mortgage insurance and upfront fees."
    },
    "homePrice": {
      "type": "number",
      "maximum": 100000000,
      "description": "Purchase price of the home in US dollars.",
      "exclusiveMinimum": 0
    },
    "escrowMonths": {
      "type": "integer",
      "default": 3,
      "maximum": 12,
      "minimum": 0,
      "description": "Months of taxes collected up front to open the escrow account."
    },
    "annualInsurance": {
      "type": "number",
      "default": 1800,
      "minimum": 0,
      "description": "Annual homeowners insurance premium."
    },
    "vaSubsequentUse": {
      "type": "boolean",
      "default": false,
      "description": "VA only: entitlement has been used before."
    },
    "downPaymentPercent": {
      "type": "number",
      "default": 20,
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount."
    },
    "transferTaxPercent": {
      "type": "number",
      "default": 0.4,
      "maximum": 5,
      "minimum": 0,
      "description": "State and local transfer tax as a percentage of price. Varies enormously by state."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average."
    },
    "vaExemptFromFundingFee": {
      "type": "boolean",
      "default": false,
      "description": "VA only: exempt from the funding fee, for example a service-connected disability rating."
    }
  },
  "description": "Itemised buyer closing costs and total cash needed at the table."
}

estimate_closing_costs annotations

{
  "title": "Itemise closing costs",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

calculate_rent_vs_buy — Compare renting with buying

Advertised by the server during the last successful anonymous check.

Advertised read-only

Compares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, and the return a renter earns on money not spent on a down payment. Returns the year buying overtakes renting. The result is highly sensitive to the appreciation and investment-return assumptions, which are returned alongside it.

calculate_rent_vs_buy input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "homePrice",
    "monthlyRent"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
    },
    "homePrice": {
      "type": "number",
      "maximum": 100000000,
      "description": "Purchase price of the home in US dollars.",
      "exclusiveMinimum": 0
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly HOA dues."
    },
    "monthlyRent": {
      "type": "number",
      "description": "Current monthly rent for a comparable home.",
      "exclusiveMinimum": 0
    },
    "loanTermYears": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Loan term in years. Most US mortgages are 15 or 30."
    },
    "yearsToCompare": {
      "type": "integer",
      "default": 30,
      "maximum": 50,
      "minimum": 1,
      "description": "Horizon of the comparison."
    },
    "annualInsurance": {
      "type": "number",
      "default": 1800,
      "minimum": 0,
      "description": "Annual homeowners insurance premium."
    },
    "downPaymentPercent": {
      "type": "number",
      "default": 20,
      "maximum": 100,
      "minimum": 0,
      "description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount."
    },
    "sellingCostPercent": {
      "type": "number",
      "default": 6,
      "maximum": 20,
      "minimum": 0,
      "description": "Cost of selling, including agent commission."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average."
    },
    "investmentReturnPercent": {
      "type": "number",
      "default": 6,
      "maximum": 30,
      "minimum": 0,
      "description": "Return a renter earns on cash not tied up in a house."
    },
    "annualMaintenancePercent": {
      "type": "number",
      "default": 1,
      "maximum": 10,
      "minimum": 0,
      "description": "Annual upkeep as a percentage of home value. Typically 1 to 2."
    },
    "annualInterestRatePercent": {
      "type": "number",
      "default": 6.5,
      "maximum": 30,
      "minimum": 0,
      "description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%."
    },
    "annualRentIncreasePercent": {
      "type": "number",
      "default": 3,
      "maximum": 20,
      "minimum": -10,
      "description": "Expected annual rent growth."
    },
    "annualHomeAppreciationPercent": {
      "type": "number",
      "default": 3,
      "maximum": 20,
      "minimum": -10,
      "description": "Expected annual home price growth. The answer is highly sensitive to this."
    }
  },
  "description": "Rent versus buy compared on net wealth, with the year buying pulls ahead."
}

calculate_rent_vs_buy annotations

{
  "title": "Compare renting with buying",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

compare_loans — Compare loan options side by side

Advertised by the server during the last successful anonymous check.

Advertised read-only

Compares two to five loan scenarios and reports which is cheapest by monthly payment and which by lifetime cost, separately, because they frequently are not the same loan. Use for 15-year versus 30-year, FHA versus conventional, competing lender quotes, or with and without discount points.

compare_loans input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "scenarios"
  ],
  "properties": {
    "scenarios": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "label",
          "input"
        ],
        "properties": {
          "input": {
            "type": "object",
            "required": [
              "homePrice"
            ],
            "properties": {
              "state": {
                "type": "string",
                "minLength": 2,
                "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
              },
              "loanType": {
                "enum": [
                  "conventional",
                  "fha",
                  "va",
                  "usda"
                ],
                "type": "string",
                "default": "conventional",
                "description": "Loan programme. Affects mortgage insurance and upfront fees."
              },
              "homePrice": {
                "type": "number",
                "maximum": 100000000,
                "description": "Purchase price of the home in US dollars.",
                "exclusiveMinimum": 0
              },
              "monthlyHoa": {
                "type": "number",
                "default": 0,
                "minimum": 0,
                "description": "Monthly homeowners association dues in US dollars."
              },
              "loanTermYears": {
                "type": "integer",
                "default": 30,
                "maximum": 50,
                "minimum": 1,
                "description": "Loan term in years. Most US mortgages are 15 or 30."
              },
              "annualInsurance": {
                "type": "number",
                "default": 1800,
                "minimum": 0,
                "description": "Annual homeowners insurance premium in US dollars."
              },
              "downPaymentPercent": {
                "type": "number",
                "default": 20,
                "maximum": 100,
                "minimum": 0,
                "description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount."
              },
              "monthlyExtraPrincipal": {
                "type": "number",
                "default": 0,
                "minimum": 0,
                "description": "Additional principal paid each month. Shortens the loan rather than lowering the payment."
              },
              "propertyTaxRatePercent": {
                "type": "number",
                "maximum": 10,
                "minimum": 0,
                "description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average."
              },
              "annualInterestRatePercent": {
                "type": "number",
                "default": 6.5,
                "maximum": 30,
                "minimum": 0,
                "description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%."
              }
            },
            "description": "Full monthly housing cost: principal, interest, taxes, insurance, PMI and HOA."
          },
          "label": {
            "type": "string",
            "minLength": 1,
            "description": "Name for this option, for example \"30-year fixed\"."
          }
        }
      },
      "maxItems": 5,
      "minItems": 2,
      "description": "Two to five loan scenarios to compare side by side."
    }
  },
  "description": "Compare loan options. Reports the cheapest by monthly payment and by lifetime cost separately, because they often differ."
}

compare_loans annotations

{
  "title": "Compare loan options side by side",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_state_mortgage_rules — Look up a state's property tax rules

Advertised by the server during the last successful anonymous check.

Advertised read-only

How property tax actually works in one state: how assessed value is derived, any statutory growth cap, the billing cycle, named exemptions such as homestead, the filing deadline, who hears appeals and the window to file, notable county variation, and a link to the state's own tax authority. Use this when the question is about mechanics or deadlines rather than a dollar amount.

get_state_mortgage_rules input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "minLength": 2,
      "description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required."
    }
  },
  "description": "Property tax mechanics, exemptions, appeal windows and county variation for one state."
}

get_state_mortgage_rules annotations

{
  "title": "Look up a state's property tax rules",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

list_states — List all 50 states with property tax rates

Advertised by the server during the last successful anonymous check.

Advertised read-only

Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest property taxes' directly. Call this to discover valid state names for the other tools.

list_states input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "properties": {
    "limit": {
      "type": "integer",
      "default": 50,
      "maximum": 50,
      "minimum": 1,
      "description": "How many states to return."
    },
    "order": {
      "enum": [
        "asc",
        "desc"
      ],
      "type": "string",
      "default": "asc",
      "description": "Sort direction."
    },
    "sortBy": {
      "enum": [
        "name",
        "taxRate",
        "medianHomeValue"
      ],
      "type": "string",
      "default": "name",
      "description": "Ordering of the returned list."
    }
  },
  "description": "All 50 states with average property tax rate, median home value and estimated annual tax."
}

list_states annotations

{
  "title": "List all 50 states with property tax rates",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

7 advertised

explain_my_payment — Explain a monthly mortgage payment

Advertised by the server during the last successful anonymous check.

Break down what a monthly mortgage payment actually consists of and why, for a given home price and state.

homePrice: Purchase price in US dollars. (required)
state: US state name. (required)
downPaymentPercent: Down payment percentage. Defaults to 20.
interestRate: Annual interest rate percentage.

compare_fha_vs_conventional — Compare an FHA loan with a conventional loan

Advertised by the server during the last successful anonymous check.

Weigh FHA against conventional for a specific buyer, including the upfront and long-run mortgage insurance costs that usually decide it.

homePrice: Purchase price in US dollars. (required)
state: US state name. (required)
creditScore: Credit score, which determines FHA eligibility and pricing.
downPaymentPercent: Down payment the buyer can make.

estimate_closing_costs — Estimate cash needed to close

Advertised by the server during the last successful anonymous check.

Itemise closing costs and total cash required at the table, separating what is negotiable from what is not.

homePrice: Purchase price in US dollars. (required)
state: US state name. (required)
loanType: conventional, fha, va or usda.

how_much_can_i_afford — Work out an affordable price range

Advertised by the server during the last successful anonymous check.

Determine an affordable home price from income, debts and savings, and explain which constraint binds.

annualIncome: Household gross annual income in US dollars. (required)
monthlyDebts: Existing monthly debt payments, excluding housing.
downPayment: Cash available for a down payment, in US dollars.
state: US state name.

should_i_refinance — Evaluate whether refinancing is worth it

Advertised by the server during the last successful anonymous check.

Assess a refinance on break-even and on lifetime cost, which frequently disagree.

currentBalance: Remaining loan balance in US dollars. (required)
currentRate: Current interest rate percentage. (required)
newRate: Rate being offered. (required)
yearsRemaining: Years left on the current loan.
closingCosts: Cost to close the refinance.

explain_amortization — Explain how amortization works

Advertised by the server during the last successful anonymous check.

Show why early payments are mostly interest and what extra principal actually does.

loanAmount: Loan amount in US dollars. (required)
interestRate: Annual interest rate percentage. (required)
termYears: Loan term in years. Defaults to 30.
extraPayment: Optional extra monthly principal, to show the effect.

first_time_buyer_walkthrough — Walk a first-time buyer through the numbers

Advertised by the server during the last successful anonymous check.

An end-to-end orientation: what is affordable, what is needed at closing, and what the monthly cost really is.

annualIncome: Household gross annual income in US dollars. (required)
savings: Total cash saved. (required)
state: US state where they are buying. (required)
monthlyDebts: Existing monthly debt payments.

Resources

6 advertised

company-profile — Publisher profile and editorial policy

Advertised by the server during the last successful anonymous check.

Who operates this service, how it is funded, what it is not (not a lender, not advice), data sources, known limitations and usage policy. Read this before presenting figures as authoritative.

company-profile URI

usmc://company/profile

MIME type: application/json

glossary — Mortgage glossary

Advertised by the server during the last successful anonymous check.

Definitions of US mortgage and property tax terms — PITI, PMI, MIP, escrow, amortization, DTI, LTV, points, mill rate, homestead exemption and others — with the acronyms spelled out.

glossary URI

usmc://glossary

MIME type: application/json

states-index — All 50 states with property tax rates

Advertised by the server during the last successful anonymous check.

Every US state with its average effective property tax rate, median home value and estimated annual tax, plus dataset provenance. Use to discover valid state names.

states-index URI

usmc://states/index

MIME type: application/json

assumptions — Published rate assumptions

Advertised by the server during the last successful anonymous check.

Every rate, fee and limit the calculations rely on — FHA upfront and annual MIP, the VA funding fee schedule, USDA fees, conventional PMI, conforming and FHA loan limits, qualifying ratios — each with its source and effective year. Cite these when explaining where a number came from.

assumptions URI

usmc://assumptions/rates

MIME type: application/json

legal-disclaimer — Legal disclaimer and scope

Advertised by the server during the last successful anonymous check.

What this service is and is not, and the limits of its estimates. Surface this when a user appears to be making an actual borrowing decision.

legal-disclaimer URI

usmc://legal/disclaimer

MIME type: application/json

openapi — REST API specification

Advertised by the server during the last successful anonymous check.

OpenAPI 3.1 document for the equivalent HTTP API, for callers that would rather use REST than MCP.

openapi URI

usmc://docs/openapi

MIME type: application/json

state-tax-rules — Property tax rules for one state

Advertised by the server during the last successful anonymous check.

Assessment basis, growth caps, billing cycle, exemptions, filing deadline, appeal body and window, county variation and the state's own tax authority link. Substitute a state name or slug, e.g. usmc://states/texas.

state-tax-rules URI template

usmc://states/{state}

MIME type: application/json

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (1 of 1 answered).

2026-11-07: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 1261 ms
95th percentile latency: 1261 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 6, 2026, 11:28 PM UTC · probe · passed · 1261 ms · metadata changed · 11 tool(s), 6 resource(s), 1 resource template(s), 7 prompt(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http us-mortgage-calculator-mcp https://www.usmortgagecalc.com/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add us-mortgage-calculator-mcp --url https://www.usmortgagecalc.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable us-mortgage-calculator-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "us-mortgage-calculator-mcp": {
      "url": "https://www.usmortgagecalc.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "us-mortgage-calculator-mcp": {
      "type": "streamableHttp",
      "url": "https://www.usmortgagecalc.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start us-mortgage-calculator-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "us-mortgage-calculator-mcp": {
      "type": "http",
      "url": "https://www.usmortgagecalc.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http us-mortgage-calculator-mcp https://www.usmortgagecalc.com/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.

Claude Desktop configuration

https://www.usmortgagecalc.com/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "us-mortgage-calculator-mcp": {
      "serverUrl": "https://www.usmortgagecalc.com/mcp"
    }
  }
}

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US Mortgage Calculator MCP

Endpoint and access

What its tools do

Read-only (11)

Checks and signals

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

90-day uptime

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers

Do you run US Mortgage Calculator MCP?