US Mortgage Calculator
REMOTE · WWW.USMORTGAGECALC.COM
US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
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Last scanned (6 hours ago)
Scores higher than 95% of remote servers
Reachable. Last reached 7 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability80
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 3008 tokens (~176/item across 17 items; 11 tools + 6 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management100
- No destabilizing schema changes in the last 30 days.Pass
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 11 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 13 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Checks we ran (13)
- TLS certificate
- Authorization
- HTTPS
- HSTS header
- DNSSEC
- Transport
- Schema quality
- Stability
- Tool coverage
- Injection markers
- Destructive annotations
- Judged manipulation
- MCP protocol
Does not apply to this hosted endpoint (2)
- Supply Chain SecurityScored on package channels only. This is a hosted endpoint, so there is nothing to install or inspect.
- Provenance & TransparencyScored on package channels only. This is a hosted endpoint, so there is nothing to install or inspect.
The score does not measure everything. What the score does not measure →
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 7 Nov 26 0
- Tool “calculate_affordability” now declares an output schema ▲ functional
- Tool “calculate_amortization” now declares an output schema ▲ functional
- Tool “calculate_mortgage” now declares an output schema ▲ functional
- Tool “calculate_pmi” now declares an output schema ▲ functional
- Tool “calculate_property_tax” now declares an output schema ▲ functional
- Tool “calculate_refinance” now declares an output schema ▲ functional
- Tool “calculate_rent_vs_buy” now declares an output schema ▲ functional
- Tool “compare_loans” now declares an output schema ▲ functional
- Tool “estimate_closing_costs” now declares an output schema ▲ functional
- Tool “get_state_mortgage_rules” now declares an output schema ▲ functional
- Tool “list_states” now declares an output schema ▲ functional
- First check of Tool coverage: 100 functional
- Server version: 1.0.0 → 1.1.0 functional
- 6 Nov 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 5 Nov 26 0
- Stability: 0.97 → pass security
- 4 Nov 26 0
- Stability: pass → 0.97 functional
- 28 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 25 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 13 Sept 26 0
- Stability: 0.97 → pass security
- 26 Aug 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 7 Nov 2026 · Probed https://www.usmortgagecalc.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=www.usmortgagecalc.com | CN=YR2,O=Let's Encrypt,C=US | 10 Oct 2026 | 8 Jan 2027 | RSA 2048 | SHA256-RSA | 6fa5a8598165358434cac41e014750562c2 |
| SANs: www.usmortgagecalc.com | ||||||
| CN=YR2,O=Let's Encrypt,C=US (CA) | CN=Root YR,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | RSA 2048 | SHA256-RSA | 4ebd24947e24d394802d84a52fd5b319 |
| CN=Root YR,O=ISRG,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | RSA 4096 | SHA256-RSA | f24b6d17f9d9ad7cb1c9fea78782699f |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of www.usmortgagecalc.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | Trust anchor | 20326, 38696 | 8, 8 | Verified |
| com. | DS published | 19718 | 13 | Verified |
| usmortgagecalc.com. | No DS | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=63072000 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://www.usmortgagecalc.com/mcp | Verified | 200 | |
| http (plaintext) | http://www.usmortgagecalc.com/mcp | HTTPS enforced | 308 | https://www.usmortgagecalc.com/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
calculate_affordability Work out how much house someone can afford ~355
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annualGrossIncome | number | yes | Household income before tax, in US dollars per year. |
| annualInsurance | number | – | Annual homeowners insurance premium. |
| annualInterestRatePercent | number | – | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| backEndRatioPercent | number | – | Maximum total debt as a share of gross income. 36 is conservative; lenders often allow 45 and sometimes 50. |
| downPaymentAmount | number | yes | Cash available for the down payment, in US dollars. A dollar amount, not a percentage. |
| frontEndRatioPercent | number | – | Maximum housing cost as a share of gross income. 28 is the conservative standard. |
| loanTermYears | integer | – | Loan term in years. Most US mortgages are 15 or 30. |
| monthlyDebtPayments | number | – | Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing. |
| monthlyHoa | number | – | Monthly HOA dues. |
| propertyTaxRatePercent | number | – | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
| state | string | – | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| Name | Type | Req | Description |
|---|---|---|---|
| backEndLimit | number | – | Total-debt-to-income limit used, as a percentage. |
| bindingConstraint | string | yes | Which limit decided the result. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| downPaymentAmount | number | yes | Down payment used, in dollars. |
| downPaymentPercent | number | – | Down payment as a percentage of the maximum price. |
| estimatedMonthlyInsurance | number | – | Estimated monthly homeowners insurance, in dollars. |
| estimatedMonthlyPmi | number | – | Estimated monthly mortgage insurance, in dollars. |
| estimatedMonthlyPropertyTax | number | – | Estimated monthly property tax, in dollars. |
| frontEndLimit | number | – | Housing-cost-to-income limit used, as a percentage. |
| maxHomePrice | number | yes | Highest home price the inputs support, in dollars. |
| maxLoanAmount | number | yes | Largest loan the inputs support, in dollars. |
| maxMonthlyHousingPayment | number | – | Largest affordable monthly housing payment, in dollars. |
| maxMonthlyPrincipalAndInterest | number | – | Largest affordable monthly principal and interest. |
| monthlyGrossIncome | number | – | Gross monthly income, in dollars. |
| monthlyHoa | number | – | Monthly HOA dues, in dollars. |
| notes | array | – | Plain-language observations about the result. |
| ratiosUsed | object | – | The qualifying ratios applied. |
No examples provided.
calculate_amortization Build an amortization schedule ~335
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annualInsurance | number | – | Annual homeowners insurance premium in US dollars. |
| annualInterestRatePercent | number | – | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| downPaymentPercent | number | – | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| granularity | string | – | Yearly returns one row per year; monthly returns one row per payment, up to 600 rows. |
| homePrice | number | yes | Purchase price of the home in US dollars. |
| loanTermYears | integer | – | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | – | Loan programme. Affects mortgage insurance and upfront fees. |
| monthlyExtraPrincipal | number | – | Additional principal paid each month. Shortens the loan rather than lowering the payment. |
| monthlyHoa | number | – | Monthly homeowners association dues in US dollars. |
| propertyTaxRatePercent | number | – | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
| state | string | – | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| Name | Type | Req | Description |
|---|---|---|---|
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| granularity | string | yes | Row interval. |
| interestSaved | number | – | Interest avoided through extra principal, in dollars. |
| paymentsMade | integer | – | Number of payments until the loan is repaid. |
| rows | array | yes | Schedule rows in order. Fields vary with granularity. |
| scheduledPayments | integer | – | Number of payments on the original schedule. |
| totalInterestPaid | number | yes | Interest paid over the life of the loan, in dollars. |
No examples provided.
calculate_mortgage Calculate a monthly mortgage payment ~313
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'.
| Name | Type | Req | Description |
|---|---|---|---|
| annualInsurance | number | – | Annual homeowners insurance premium in US dollars. |
| annualInterestRatePercent | number | – | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| downPaymentPercent | number | – | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| homePrice | number | yes | Purchase price of the home in US dollars. |
| loanTermYears | integer | – | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | – | Loan programme. Affects mortgage insurance and upfront fees. |
| monthlyExtraPrincipal | number | – | Additional principal paid each month. Shortens the loan rather than lowering the payment. |
| monthlyHoa | number | – | Monthly homeowners association dues in US dollars. |
| propertyTaxRatePercent | number | – | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
| state | string | – | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| Name | Type | Req | Description |
|---|---|---|---|
| amortizationYearCount | integer | – | Years in the amortization schedule; use calculate_amortization for rows. |
| annualPropertyTax | number | – | Annual property tax, in dollars. |
| assumptions | object | yes | The tax rate, its source and the mortgage insurance treatment used. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| extraMonthlyPayment | number | – | Extra principal paid each month, in dollars. |
| interestSaved | number | – | Interest avoided through extra principal, in dollars. |
| loanAmount | number | yes | Amount borrowed after the down payment, in dollars. |
| loanType | string | – | Loan program the calculation used. |
| monthlyHoa | number | – | Monthly HOA dues, in dollars. |
| monthlyInsurance | number | yes | Monthly homeowners insurance, in dollars. |
| monthlyMortgage | number | yes | Monthly principal and interest, in dollars. |
| monthlyPmi | number | yes | Monthly mortgage insurance, in dollars; 0 when none applies. |
| monthlyPropertyTax | number | yes | Monthly property tax, in dollars. |
| mortgageInsuranceLabel | string | – | Plain-language description of the mortgage insurance applied. |
| paymentsMade | integer | – | Number of payments until the loan is repaid, counting extra principal. |
| propertyTaxRate | number | yes | Annual effective property tax rate used, as a percentage. |
| scheduledPayments | integer | – | Number of payments on the original schedule. |
| scheduledTotalInterest | number | – | Interest over the original schedule, with no extra principal. |
| state | string | – | State used to look up the tax rate. Absent when a rate was supplied directly. |
| totalAllPayments | number | – | Everything paid over the life of the loan, in dollars. |
| totalInterestPaid | number | yes | Interest paid over the life of the loan, after extra principal. |
| totalMonthlyCost | number | yes | All monthly costs combined, in dollars. |
No examples provided.
calculate_pmi Calculate mortgage insurance ~294
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annualInterestRatePercent | number | – | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| creditScore | integer | – | FHA only: sets the minimum down payment. 580+ qualifies for 3.5%. |
| downPaymentPercent | number | – | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| homePrice | number | yes | Purchase price of the home in US dollars. |
| loanTermYears | integer | – | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | – | Loan programme. Affects mortgage insurance and upfront fees. |
| monthlyExtraPrincipal | number | – | Extra principal paid monthly. |
| vaExemptFromFundingFee | boolean | – | VA only: funding fee waived. |
| vaSubsequentUse | boolean | – | VA only: entitlement used before. |
| Name | Type | Req | Description |
|---|---|---|---|
| applicable | boolean | – | Whether mortgage insurance applies to this scenario. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| loanType | string | yes | Loan program the calculation used. |
| monthsToAutomaticTermination | number|null | – | Months until automatic cancellation; null if never. |
| monthsToRequestTermination | number|null | – | Months until the borrower can ask to cancel; null if never. |
| note | string | – | Plain-language explanation of the result. |
| savingsFromCancellation | number | – | Difference between never cancelling and cancelling, in dollars. |
| totalPmiIfNeverCancelled | number | – | Insurance paid if never cancelled, in dollars. |
| totalPmiPaid | number | – | Insurance paid if cancelled at the earliest opportunity, in dollars. |
No examples provided.
calculate_property_tax Estimate property tax ~96
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.
| Name | Type | Req | Description |
|---|---|---|---|
| homePrice | number | yes | Home value in US dollars. |
| state | string | yes | Full US state name, for example "Texas". |
| Name | Type | Req | Description |
|---|---|---|---|
| annualPropertyTax | number | yes | Estimated annual property tax, in dollars. |
| caveat | string | – | Limits of the estimate. |
| comparedWithNationalAverage | string | – | Plain-language comparison with the national average. |
| dataAsOf | string | – | Date the underlying data refers to. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| effectiveTaxRatePercent | number | yes | State average effective property tax rate, as a percentage. |
| homePrice | number | yes | Home price used, in dollars. |
| monthlyPropertyTax | number | yes | Estimated monthly property tax, in dollars. |
| nationalAverageRatePercent | number | – | National average rate, as a percentage. |
| rankHighestToLowest | integer | – | Rank of the state's rate, 1 being highest. |
| source | string | – | Where the rate comes from. |
| state | string | yes | State name. |
No examples provided.
calculate_refinance Evaluate a refinance ~180
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.
| Name | Type | Req | Description |
|---|---|---|---|
| closingCosts | number | yes | Total cost to close the refinance, in US dollars. |
| currentAnnualRatePercent | number | yes | Interest rate on the existing loan. |
| currentBalance | number | yes | Remaining principal on the existing loan. |
| currentRemainingTermMonths | integer | yes | Months still to run on the existing loan. |
| financeClosingCosts | boolean | – | Roll closing costs into the new balance instead of paying cash. |
| newAnnualRatePercent | number | yes | Interest rate being offered. |
| newTermYears | integer | – | Loan term in years. Most US mortgages are 15 or 30. |
| Name | Type | Req | Description |
|---|---|---|---|
| breakEvenLabel | string | – | Plain-language break-even description. |
| breakEvenMonths | number|null | yes | Months to recover closing costs; null if never. |
| closingCosts | number | – | Closing costs used, in dollars. |
| currentMonthlyPayment | number | yes | Current monthly principal and interest, in dollars. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| lifetimeInterestDifference | number | – | Interest on the new loan minus interest left on the current one. |
| lowersLifetimeCost | boolean | yes | Whether refinancing lowers total cost over the life of the loan. |
| monthlySavings | number | yes | Monthly difference; negative when the payment rises. |
| newLoanAmount | number | – | New loan amount including financed costs, in dollars. |
| newMonthlyPayment | number | yes | New monthly principal and interest, in dollars. |
| notes | array | – | Plain-language observations about the result. |
| remainingInterestIfYouKeepCurrentLoan | number | – | Interest left on the current loan, in dollars. |
| totalInterestOnNewLoan | number | – | Interest over the new loan, in dollars. |
| worthwhile | boolean | yes | Whether the break-even and lifetime cost both favour refinancing. |
No examples provided.
calculate_rent_vs_buy Compare renting with buying ~395
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annualHomeAppreciationPercent | number | – | Expected annual home price growth. The answer is highly sensitive to this. |
| annualInsurance | number | – | Annual homeowners insurance premium. |
| annualInterestRatePercent | number | – | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| annualMaintenancePercent | number | – | Annual upkeep as a percentage of home value. Typically 1 to 2. |
| annualRentIncreasePercent | number | – | Expected annual rent growth. |
| downPaymentPercent | number | – | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| homePrice | number | yes | Purchase price of the home in US dollars. |
| investmentReturnPercent | number | – | Return a renter earns on cash not tied up in a house. |
| loanTermYears | integer | – | Loan term in years. Most US mortgages are 15 or 30. |
| monthlyHoa | number | – | Monthly HOA dues. |
| monthlyRent | number | yes | Current monthly rent for a comparable home. |
| propertyTaxRatePercent | number | – | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
| sellingCostPercent | number | – | Cost of selling, including agent commission. |
| state | string | – | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| yearsToCompare | integer | – | Horizon of the comparison. |
| Name | Type | Req | Description |
|---|---|---|---|
| assumptions | object | yes | Growth, appreciation and cost assumptions used. |
| breakEvenLabel | string | – | Plain-language break-even description. |
| breakEvenYear | number|null | yes | Year in which buying overtakes renting; null if it does not within the horizon. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| initialCashOutlay | number | yes | Cash needed up front to buy, in dollars. |
| monthlyOwnershipCostYearOne | number | – | Monthly cost of owning in year one, in dollars. |
| monthlyRentYearOne | number | – | Monthly rent in year one, in dollars. |
| notes | array | – | Plain-language observations about the result. |
| yearlyComparison | array | yes | One row per year comparing the two paths. |
No examples provided.
compare_loans Compare loan options side by side ~83
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.
| Name | Type | Req | Description |
|---|---|---|---|
| scenarios | array | yes | Two to five loan scenarios to compare side by side. |
| Name | Type | Req | Description |
|---|---|---|---|
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| lowestMonthlyPayment | string | yes | Label of the scenario with the lowest monthly payment. |
| lowestTotalCost | string | yes | Label of the scenario with the lowest total cost. |
| lowestTotalInterest | string | yes | Label of the scenario with the lowest total interest. |
| notes | array | – | Plain-language observations about the result. |
| scenarios | array | yes | One result per scenario, in the order supplied. |
| summary | string | – | Plain-language summary of the comparison. |
| unanimous | boolean | – | Whether one scenario wins on every measure. |
No examples provided.
estimate_closing_costs Itemise closing costs ~311
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annualInsurance | number | – | Annual homeowners insurance premium. |
| downPaymentPercent | number | – | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| escrowMonths | integer | – | Months of taxes collected up front to open the escrow account. |
| homePrice | number | yes | Purchase price of the home in US dollars. |
| loanType | string | – | Loan programme. Affects mortgage insurance and upfront fees. |
| propertyTaxRatePercent | number | – | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
| state | string | – | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| transferTaxPercent | number | – | State and local transfer tax as a percentage of price. Varies enormously by state. |
| vaExemptFromFundingFee | boolean | – | VA only: exempt from the funding fee, for example a service-connected disability rating. |
| vaSubsequentUse | boolean | – | VA only: entitlement has been used before. |
| Name | Type | Req | Description |
|---|---|---|---|
| cashToClose | number | yes | Down payment plus closing costs, in dollars. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| homePrice | number | yes | Home price used, in dollars. |
| lineItems | array | yes | Itemised costs, each with a label and amount. |
| loanAmount | number | yes | Loan amount used, in dollars. |
| notes | array | – | Plain-language observations about the result. |
| shoppableTotal | number | – | Portion of the costs a borrower can shop around for, in dollars. |
| totalAsPercentOfPrice | number | – | Total closing costs as a percentage of the price. |
| totalClosingCosts | number | yes | Sum of all items, in dollars. |
| typicalRange | object | – | Typical low and high total for this price. |
No examples provided.
get_state_mortgage_rules Look up a state's property tax rules ~122
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.
| Name | Type | Req | Description |
|---|---|---|---|
| state | string | yes | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| Name | Type | Req | Description |
|---|---|---|---|
| appeals | object | – | Appeal body and window. |
| assessment | string|null | – | How property is assessed. |
| averageEffectiveTaxRatePercent | number | yes | Average effective property tax rate, as a percentage. |
| billing | string|null | – | Billing cycle. |
| countyVariation | array | – | How rates vary by county, each with a name and note. |
| dataAsOf | string | – | Date the underlying data refers to. |
| disclaimer | string | yes | Estimate-only notice that should accompany any figure shown to a person. |
| distinguishingFeature | string|null | – | What sets this state's system apart. |
| estimatedAnnualTaxOnMedianHome | number | – | Estimated annual tax on the median home, in dollars. |
| exemptions | array | yes | Available exemptions, each with a name and detail. |
| filingDeadline | string|null | – | Deadline for claiming exemptions. |
| growthCap | string|null | – | Limits on assessment growth. |
| lastReviewed | string | – | Date the entry was last reviewed. |
| medianHomeValue | number | yes | Median home value, in dollars. |
| nationalAverageRatePercent | number | – | National average rate, as a percentage. |
| neighbouringStates | array | – | Names of neighbouring states. |
| officialSource | object | yes | The state's own tax authority reference. |
| rankHighestToLowest | integer | – | Rank of the state's rate, 1 being highest. |
| slug | string | yes | URL-safe state identifier. |
| state | string | yes | State name. |
| url | string | – | Page about the state on this service. |
No examples provided.
list_states List all 50 states with property tax rates ~90
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.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | How many states to return. |
| order | string | – | Sort direction. |
| sortBy | string | – | Ordering of the returned list. |
| Name | Type | Req | Description |
|---|---|---|---|
| attribution | string | – | Attribution for the data. |
| count | integer | yes | Number of states returned. |
| dataAsOf | string | – | Date the underlying data refers to. |
| lastReviewed | string | – | Date the data was last reviewed. |
| nationalAverageRatePercent | number | – | National average rate, as a percentage. |
| source | string | – | Where the data comes from. |
| states | array | yes | One entry per state. |
No examples provided.
How do I install the US Mortgage Calculator MCP server?
US Mortgage Calculator is a hosted endpoint at https://www.usmortgagecalc.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · www.usmortgagecalc.com
claude mcp add --transport http com-usmortgagecalc-mortgage 'https://www.usmortgagecalc.com/mcp'
What is the US Mortgage Calculator MCP server?
US Mortgage Calculator is an MCP server listed in the public MCP registry as com.usmortgagecalc/mortgage. US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data. This page covers its hosted endpoint (https://www.usmortgagecalc.com/mcp).
Is the US Mortgage Calculator MCP server safe to use?
US Mortgage Calculator scores 88 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the US Mortgage Calculator MCP server expose?
US Mortgage Calculator exposes 11 tools: calculate_mortgage, calculate_amortization, calculate_pmi, calculate_property_tax, calculate_affordability, and 6 more. Their descriptions and schemas cost roughly 2,574 tokens of context every time the server is loaded.
Does the US Mortgage Calculator MCP server require authentication?
No. We connected to US Mortgage Calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the US Mortgage Calculator MCP server still maintained?
US Mortgage Calculator is still listed as active in the MCP registry. We last reached this channel on 7 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.
What did VerifyMCP test on the US Mortgage Calculator MCP server?
VerifyMCP ran 13 checks on US Mortgage Calculator, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.