What this MCP does
Provides cited US home-buying calculators, mortgage benchmarks, fee and closing-cost analysis, affordability estimates, and down-payment assistance research.
Capabilities
Tools
10
tools
affordability_estimate
Compute front-end (housing) and back-end (total debt) DTI budgets from income and debts, and the home price implied by the binding limit. Reports the standard 28/36 thresholds without ever telling the user what they "can afford". Dollar inputs are US dollars; money in the response is integer cents.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['grossMonthlyIncome'], 'properties': {'termYears': {'type': 'integer', 'default': 30, 'maximum': 50, 'minimum': 1, 'description': 'Loan term in years (default 30)'}, 'downPayment': {'type': 'number', 'default': 45000, 'minimum': 0, 'description': 'Down payment available, US dollars'}, 'monthlyDebts': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Recurring monthly debt payments (cards, autos, student loans), US dollars'}, 'rateAnnualPct': {'type': 'number', 'default': 6.5, 'maximum': 25, 'minimum': 0, 'description': 'Annual interest rate percent'}, 'backEndLimitPct': {'type': 'number', 'default': 36, 'maximum': 100, 'minimum': 1, 'description': 'Total DTI ceiling percent (default 36)'}, 'insuranceAnnual': {'type': 'number', 'default': 1584, 'minimum': 0, 'description': 'Annual homeowners insurance premium, US dollars'}, 'frontEndLimitPct': {'type': 'number', 'default': 28, 'maximum': 100, 'minimum': 1, 'description': 'Housing DTI ceiling percent (default 28)'}, 'grossMonthlyIncome': {'type': 'number', 'maximum': 10000000, 'description': 'Gross monthly income, US dollars', 'exclusiveMinimum': 0}, 'propertyTaxRatePct': {'type': 'number', 'default': 1.26, 'maximum': 10, 'minimum': 0, 'description': 'Annual property tax rate, % of value'}}}
benchmark_rates
Return the latest benchmark mortgage rates (e.g. 30-year and 15-year fixed) from the Federal Reserve (FRED), each with its observation date and ledger receipt. Rates are fixed-precision percent strings.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {}}
decode_loan_estimate_fee
Classify a mortgage Loan Estimate fee by CFPB section and control class (set by lender, shoppable, third-party, government, or prepaid), with a plain-language explanation and an educational question a buyer could ask. Omit "fee" to list the full catalog.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'fee': {'type': 'string', 'maxLength': 80, 'description': 'Fee name or keyword, e.g. "origination", "title"'}}}
fee_benchmarks
Return closing-cost and rate-spread percentile distributions (p25/p50/p75 + mean) for a US state, computed from the row-level CFPB HMDA LAR for originated, first-lien, home-purchase loans. Cells with fewer than 25 records are suppressed. Dollar metrics are integer cents (â¦Cents); percent metrics are fixed-precision strings (â¦Pct). Each distribution carries a ledger receipt hash for verification.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['state'], 'properties': {'state': {'type': 'string', 'maxLength': 2, 'minLength': 2, 'description': 'Two-letter US state code, e.g. "MA"'}, 'metric': {'type': 'string', 'description': 'One of: total_loan_costs, origination_charges, rate_spread, interest_rate. Omit to return all metrics.'}}}
payment_shock_estimate
Estimate why a mortgage payment often jumps in year two: escrow at closing is sized from the seller's current tax bill, but the county reassesses at your purchase price, and RESPA spreads the resulting escrow shortage over 12 months. Given the purchase price, the seller's current annual tax (from the listing), a state (or county FIPS) for the reassessment rate, and insurance, returns the year-1 escrow, the year-2 ongoing escrow, the temporary catch-up peak, and the jump. Money is integer cents. This decomposes the mechanics; it is not a prediction of your specific bill.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['purchasePrice', 'sellersCurrentAnnualTax'], 'properties': {'state': {'type': 'string', 'maxLength': 2, 'minLength': 2, 'description': 'Two-letter US state code for the reassessment rate'}, 'county': {'type': 'string', 'pattern': '^\\d{5}$', 'description': '5-digit county FIPS; its Census effective rate takes priority over the state rate'}, 'purchasePrice': {'type': 'number', 'maximum': 100000000, 'description': 'Purchase price in US dollars', 'exclusiveMinimum': 0}, 'insuranceAnnual': {'type': 'number', 'default': 1584, 'minimum': 0, 'description': 'Annual homeowners insurance, US dollars'}, 'reassessRatePct': {'type': 'number', 'maximum': 10, 'minimum': 0, 'description': 'Effective annual property-tax rate at reassessment, %. Overrides county/state.'}, 'sellersCurrentAnnualTax': {'type': 'number', 'minimum': 0, 'description': "Seller's current annual property tax in US dollars (from the listing)"}}}
pressure_check
Decompose the tradeoff a rushed buyer faces: the earnest money at risk by walking away versus what overpaying to "win" costs over the life of the loan. Given the earnest money at risk, the overpay amount over your walk-away price, down-payment percent, rate, and term, returns the cash and financed shares of the overpay, the extra monthly P&I, the lifetime cost of overpaying, and its ratio to the earnest money. Money is integer cents. Educational decomposition â it names the two numbers so they can be compared; it never tells the user to walk or stay.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['earnestMoney', 'overpay'], 'properties': {'overpay': {'type': 'number', 'maximum': 10000000, 'minimum': 0, 'description': 'How much over your walk-away price the pressure would push you to pay, US dollars'}, 'termYears': {'type': 'integer', 'default': 30, 'maximum': 50, 'minimum': 1, 'description': 'Loan term in years (default 30)'}, 'earnestMoney': {'type': 'number', 'maximum': 10000000, 'minimum': 0, 'description': 'Earnest money at risk if you walk away after removing contingencies, US dollars'}, 'rateAnnualPct': {'type': 'number', 'default': 6.5, 'maximum': 25, 'minimum': 0, 'description': 'Annual interest rate percent, e.g. 6.5'}, 'downPaymentPct': {'type': 'number', 'default': 10, 'maximum': 100, 'minimum': 0, 'description': 'Down payment as a percent of price (0â\x80\x93100); splits the overpay into cash-at-close vs. financed'}}}
rent_vs_buy_estimate
Compare the net cost of owning against renting over a holding period and find the break-even year. Owning nets upfront cash and recurring carrying costs against sale proceeds (appreciated value â selling costs â remaining loan); renting nets rent paid against the investment gain on the cash a buyer would tie up. Dollar inputs are US dollars; money in the response is integer cents. Appreciation, rent growth, and investment return are user-set assumptions. Tax deductions are excluded (documented simplification). Educational decomposition â it reports both net costs and the break-even year; it never says rent or buy.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['homePrice', 'monthlyRent'], 'properties': {'homePrice': {'type': 'number', 'maximum': 100000000, 'description': 'Home price in US dollars', 'exclusiveMinimum': 0}, 'termYears': {'type': 'integer', 'default': 30, 'maximum': 50, 'minimum': 1, 'description': 'Loan term in years'}, 'hoaMonthly': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Monthly HOA dues, US dollars'}, 'monthlyRent': {'type': 'number', 'minimum': 0, 'description': 'Comparable monthly rent in US dollars'}, 'holdingYears': {'type': 'integer', 'default': 7, 'maximum': 50, 'minimum': 1, 'description': 'How many years you plan to stay before selling'}, 'rateAnnualPct': {'type': 'number', 'default': 6.5, 'maximum': 25, 'minimum': 0, 'description': 'Annual interest rate percent'}, 'closingCostPct': {'type': 'number', 'default': 3, 'maximum': 20, 'minimum': 0, 'description': 'Upfront buy-side closing costs, % of price'}, 'downPaymentPct': {'type': 'number', 'default': 10, 'maximum': 100, 'minimum': 0, 'description': 'Down payment as a percent of price'}, 'sellingCostPct': {'type': 'number', 'default': 6, 'maximum': 20, 'minimum': 0, 'description': 'Selling costs at exit, % of future value'}, 'insuranceAnnual': {'type': 'number', 'default': 1800, 'minimum': 0, 'description': 'Annual homeowners insurance, US dollars'}, 'maintenanceRatePct': {'type': 'number', 'default': 1, 'maximum': 10, 'minimum': 0, 'description': 'Annual maintenance reserve, % of home value'}, 'propertyTaxRatePct': {'type': 'number', 'default': 1.1, 'maximum': 10, 'minimum': 0, 'description': 'Annual property tax rate, % of value'}, 'investmentReturnPct': {'type': 'number', 'default': 5, 'maximum': 30, 'minimum': 0, 'description': 'Assumed annual return a renter earns on invested cash percent'}, 'annualAppreciationPct': {'type': 'number', 'default': 3, 'maximum': 30, 'minimum': -20, 'description': 'Assumed annual home-price appreciation percent'}, 'annualRentIncreasePct': {'type': 'number', 'default': 3, 'maximum': 30, 'minimum': 0, 'description': 'Assumed annual rent increase percent'}}}
search_dpa_programs
Find down payment assistance (DPA) programs by US state and/or buyer type. Includes national programs. Each result links to its official government source and carries a ledger receipt and last-verified date.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'properties': {'buyer': {'type': 'string', 'maxLength': 40, 'description': 'Buyer type filter, e.g. "first-time", "veteran", "rural", "teacher"'}, 'state': {'type': 'string', 'maxLength': 2, 'minLength': 2, 'description': 'Two-letter US state code to filter by'}}}
true_cost_estimate
Estimate the full monthly cost of owning a home â principal & interest, property tax, insurance, PMI, HOA, and maintenance â and contrast it with the lender "approval" payment (PITI+PMI) to reveal the hidden monthly gap. Dollar inputs are US dollars; all money in the response is integer cents; rates are fixed-precision percent strings.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['homePrice'], 'properties': {'state': {'type': 'string', 'maxLength': 2, 'minLength': 2, 'description': 'Two-letter US state code (e.g. "NJ"). When provided and propertyTaxRatePct is omitted, the Census ACS effective property-tax rate for that state is used.'}, 'county': {'type': 'string', 'pattern': '^\\d{5}$', 'description': '5-digit county FIPS code. When provided and its Census county rate is available, it takes priority over the state rate (more accurate).'}, 'homePrice': {'type': 'number', 'maximum': 100000000, 'description': 'Home price in US dollars', 'exclusiveMinimum': 0}, 'termYears': {'type': 'integer', 'default': 30, 'maximum': 50, 'minimum': 1, 'description': 'Loan term in years (default 30)'}, 'hoaMonthly': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Monthly HOA dues, US dollars'}, 'homeYearBuilt': {'type': 'integer', 'maximum': 2100, 'minimum': 1800, 'description': 'Year the home was built. Scales the maintenance reserve by age band: Ã\x971.5 pre-1980, Ã\x971.2 1980â\x80\x932005, Ã\x971.0 2006+.'}, 'rateAnnualPct': {'type': 'number', 'default': 6.5, 'maximum': 25, 'minimum': 0, 'description': 'Annual interest rate percent, e.g. 6.5'}, 'downPaymentPct': {'type': 'number', 'default': 10, 'maximum': 100, 'minimum': 0, 'description': 'Down payment as a percent of price (0â\x80\x93100)'}, 'insuranceAnnual': {'type': 'number', 'default': 1584, 'minimum': 0, 'description': 'Annual homeowners insurance premium, US dollars'}, 'pmiAnnualRatePct': {'type': 'number', 'default': 0.5, 'maximum': 5, 'minimum': 0, 'description': 'Annual PMI rate, % of loan, applied while LTV > 80%'}, 'maintenanceRatePct': {'type': 'number', 'default': 1, 'maximum': 10, 'minimum': 0, 'description': 'Annual maintenance reserve, % of home value (baseline before age adjustment)'}, 'propertyTaxRatePct': {'type': 'number', 'maximum': 10, 'minimum': 0, 'description': 'Annual property tax rate, % of value. Overrides county/state-derived rates when supplied.'}}}
verify_receipt
Verify a CandidCost ledger receipt hash (full sha256 or short "3f9aâ¦c21e" form). Confirms the receipt exists and that its dataset hash chain is intact, proving the underlying data has not been altered since ingestion.
Read only
Idempotent
Input schema
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['hash'], 'properties': {'hash': {'type': 'string', 'maxLength': 80, 'minLength': 4, 'description': 'The receipt content hash to verify'}}}
History
Recent tool changes
Added
verify_receipt
Sept. 17, 2026, 12:34 p.m.
Added
rent_vs_buy_estimate
Sept. 17, 2026, 12:34 p.m.
Added
pressure_check
Sept. 17, 2026, 12:34 p.m.
Added
payment_shock_estimate
Sept. 17, 2026, 12:34 p.m.
Added
decode_loan_estimate_fee
Sept. 17, 2026, 12:34 p.m.
Added
search_dpa_programs
Sept. 17, 2026, 12:34 p.m.
Added
benchmark_rates
Sept. 17, 2026, 12:34 p.m.
Added
fee_benchmarks
Sept. 17, 2026, 12:34 p.m.
Added
affordability_estimate
Sept. 17, 2026, 12:34 p.m.
Added
true_cost_estimate
Sept. 17, 2026, 12:34 p.m.
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