mcp is an MCP server with 10 tools an agent can call, among them affordability_estimate, benchmark_rates, decode_loan_estimate_fee. It answers at https://candidcost.com/api/mcp over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 10 of 10 times since 4 September 2026; the last check, on 18 October 2026, succeeded.
Cited, receipt-backed US home-buying data & calculators — education-only, every number sourced.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
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 inp Inputs: grossMonthlyIncome, monthlyDebts, downPayment, rateAnnualPct, termYears, propertyTaxRatePct |
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. |
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 Inputs: fee |
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. Do Inputs: state, metric |
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 Inputs: purchasePrice, sellersCurrentAnnualTax, state, county, reassessRatePct, insuranceAnnual |
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-paym Inputs: earnestMoney, overpay, downPaymentPct, rateAnnualPct, termYears |
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 − selling costs − remaining loan); renting net Inputs: homePrice, monthlyRent, downPaymentPct, rateAnnualPct, termYears, holdingYears |
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. Inputs: state, buyer |
true_cost_estimate | Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "approval" payment (PITI+PMI) to reveal the hidden monthly gap. Dollar inputs are U Inputs: homePrice, downPaymentPct, rateAnnualPct, termYears, state, county |
verify_receipt | Verify a CandidCost ledger receipt hash (full sha256 or short "3f9a…c21e" form). Confirms the receipt exists and that its dataset hash chain is intact, proving the underlying data has not been altered since ingestion. Inputs: hash |
Every block below points at https://candidcost.com/api/mcp. Pick your client and copy.
claude mcp add --transport http mcp https://candidcost.com/api/mcp
{
"mcpServers": {
"mcp": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://candidcost.com/api/mcp"]
}
}
}{
"mcpServers": {
"mcp": {
"url": "https://candidcost.com/api/mcp"
}
}
}{
"servers": {
"mcp": {
"type": "http",
"url": "https://candidcost.com/api/mcp"
}
}
}{
"context_servers": {
"mcp": {
"url": "https://candidcost.com/api/mcp"
}
}
}{
"mcpServers": {
"mcp": {
"serverUrl": "https://candidcost.com/api/mcp"
}
}
}{
"mcpServers": {
"mcp": {
"url": "https://candidcost.com/api/mcp"
}
}
}name: mcp
version: 0.0.1
schema: v1
mcpServers:
- name: mcp
type: streamable-http
url: https://candidcost.com/api/mcp{
"mcpServers": {
"mcp": {
"httpUrl": "https://candidcost.com/api/mcp"
}
}
}{
"mcpServers": {
"mcp": {
"type": "http",
"url": "https://candidcost.com/api/mcp"
}
}
}{
"mcpServers": {
"mcp": {
"url": "https://candidcost.com/api/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fcandidcost.com%2Fapi%2Fmcp&type=streamable_http&id=mcp&name=mcp
It answered our last check on 18 October 2026 in 249 ms. Over 10 checks since 4 September 2026 it answered 10. Status here comes from Neuronto's own probes, not from the publisher.
Yes. It is published by candidcost.com and served from candidcost.com, the vendor's own domain: https://candidcost.com/api/mcp.
10, as returned by the server's own tools/list on 10 September 2026: affordability_estimate, benchmark_rates, decode_loan_estimate_fee, fee_benchmarks, payment_shock_estimate, pressure_check, rent_vs_buy_estimate, search_dpa_programs, and 2 more.
It answered our last check on 18 October 2026 in 249 ms. Over 10 checks since 4 September 2026 it answered 10.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://candidcost.com/api/mcp. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: com.candidcost. Endpoint host: candidcost.com. ARD identifier: urn:air:com.candidcost:mcp:mcp.
First indexed 31 August 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.