Connect US Mortgage Calculator and your agent gets 11 tools, among them calculate_affordability, calculate_amortization, calculate_mortgage. It answers at https://www.usmortgagecalc.com/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 6 of 6 times since 10 September 2026; the last check, on 19 October 2026, succeeded.
US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
calculate_affordability | 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 Inputs: annualGrossIncome, monthlyDebtPayments, downPaymentAmount, annualInterestRatePercent, loanTermYears, annualInsurance |
calculate_amortization | 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 mu Inputs: homePrice, downPaymentPercent, annualInterestRatePercent, loanTermYears, loanType, annualInsurance |
calculate_mortgage | 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 rat Inputs: homePrice, downPaymentPercent, annualInterestRatePercent, loanTermYears, loanType, annualInsurance |
calculate_pmi | 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 Inputs: homePrice, downPaymentPercent, annualInterestRatePercent, loanTermYears, loanType, monthlyExtraPrincipal |
calculate_property_tax | 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, ca Inputs: homePrice, state |
calculate_refinance | 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 ter Inputs: currentBalance, currentAnnualRatePercent, currentRemainingTermMonths, newAnnualRatePercent, newTermYears, closingCosts |
calculate_rent_vs_buy | 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 Inputs: homePrice, downPaymentPercent, annualInterestRatePercent, loanTermYears, annualInsurance, monthlyHoa |
compare_loans | 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 l Inputs: scenarios |
estimate_closing_costs | 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, a Inputs: homePrice, downPaymentPercent, loanType, annualInsurance, escrowMonths, transferTaxPercent |
get_state_mortgage_rules | 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 vari Inputs: state |
list_states | 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 Inputs: sortBy, order, limit |
Every block below points at https://www.usmortgagecalc.com/mcp. Pick your client and copy.
claude mcp add --transport http us-mortgage-calculator https://www.usmortgagecalc.com/mcp
{
"mcpServers": {
"us-mortgage-calculator": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://www.usmortgagecalc.com/mcp"]
}
}
}{
"mcpServers": {
"us-mortgage-calculator": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}{
"servers": {
"us-mortgage-calculator": {
"type": "http",
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}{
"context_servers": {
"us-mortgage-calculator": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}{
"mcpServers": {
"us-mortgage-calculator": {
"serverUrl": "https://www.usmortgagecalc.com/mcp"
}
}
}{
"mcpServers": {
"us-mortgage-calculator": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}name: US Mortgage Calculator
version: 0.0.1
schema: v1
mcpServers:
- name: US Mortgage Calculator
type: streamable-http
url: https://www.usmortgagecalc.com/mcp{
"mcpServers": {
"us-mortgage-calculator": {
"httpUrl": "https://www.usmortgagecalc.com/mcp"
}
}
}{
"mcpServers": {
"us-mortgage-calculator": {
"type": "http",
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}{
"mcpServers": {
"us-mortgage-calculator": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fwww.usmortgagecalc.com%2Fmcp&type=streamable_http&id=us-mortgage-calculator&name=US%20Mortgage%20Calculator
It answered our last check on 19 October 2026 in 455 ms. Over 6 checks since 10 September 2026 it answered 6. Status here comes from Neuronto's own probes, not from the publisher.
Yes. It is published by usmortgagecalc.com and served from www.usmortgagecalc.com, the vendor's own domain: https://www.usmortgagecalc.com/mcp.
11, as returned by the server's own tools/list on 11 September 2026: calculate_affordability, calculate_amortization, calculate_mortgage, calculate_pmi, calculate_property_tax, calculate_refinance, calculate_rent_vs_buy, compare_loans, and 3 more.
It answered our last check on 19 October 2026 in 455 ms. Over 6 checks since 10 September 2026 it answered 6.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://www.usmortgagecalc.com/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.usmortgagecalc. Endpoint host: www.usmortgagecalc.com. ARD identifier: urn:air:com.usmortgagecalc:mcp:mortgage.
First indexed 10 September 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.