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100
MCP live MCP 2026-07-28 streamable-http

US Mortgage Calculator

com.usmortgagecalc/mortgage

US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.

Uptime
100.0%
3 direct probes · 30d
Response
728ms
last probe
Tools
11
callable
Resources
6
readable
Prompts
7
available
Primary URL
https://www.usmortgagecalc.com/mcp

Tools · 11

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 u…

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 …

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% upfro…

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 …

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…

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 pa…

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 …

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 pa…

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-ye…

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…

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 d…

Resources · 6

company-profile

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.

usmc://company/profile
glossary

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.

usmc://glossary
states-index

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.

usmc://states/index
assumptions

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…

usmc://assumptions/rates
legal-disclaimer

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.

usmc://legal/disclaimer
openapi

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

usmc://docs/openapi

Prompts · 7

explain_my_payment

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

compare_fha_vs_conventional

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

estimate_closing_costs

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

how_much_can_i_afford

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

should_i_refinance

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

explain_amortization

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

first_time_buyer_walkthrough

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

How to use

Add to your Claude Desktop / Cursor / Cline MCP config:

{
  "mcpServers": {
    "us_mortgage_calculator": {
      "url": "https://www.usmortgagecalc.com/mcp",
      "transport": "streamable-http"
    }
  }
}