Sizing Sheet: FHA multifamily program chooser and loan sizer
REMOTE · FHAMULTIFAMILY.LOAN
FHA multifamily program chooser and loan sizer on HUD's 2026 limits, ratios, MIP and fees.
Available components
Last scanned (23 hours ago)
Scores higher than 54% of remote servers
Reachable. Last reached 4 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 Security74
- 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. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- 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 Usability57
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1151 tokens (~383/item across 3 items; 3 tools + 0 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 Management10
- Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
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
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 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
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.
- 3 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 2 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 1 Nov 26 68
First indexed and scored.
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 4 Nov 2026 · Probed https://fhamultifamily.loan/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=fhamultifamily.loan | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | d086a54a553df0f2138fac406573f1a8 |
| SANs: fhamultifamily.loan | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of fhamultifamily.loan. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| loan. | present | 61084 | 8 | Verified |
| fhamultifamily.loan. | absent | 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 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://fhamultifamily.loan/mcp | Verified | 200 | |
| http (plaintext) | http://fhamultifamily.loan/mcp | HTTPS enforced | 301 | https://fhamultifamily.loan/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 →
choose_program Which FHA multifamily program fits ~203
Runs the three-question FHA multifamily program chooser from fhamultifamily.loan/chooser: returns the likely program (223(f), 221(d)(4) new construction or substantial rehab, 223(a)(7), 241(a), or "not FHA yet"), the reason, and the program page to read next.
| Name | Type | Req | Description |
|---|---|---|---|
| built | boolean | – | Only when has_fha_loan is false: is the property built and operating (false = land or a construction project)? Default true. |
| condition | string | – | Only when has_fha_loan is false and built is true. heavy_renovation means more than about $55,096 a unit of work. Default stabilized_3_plus_years. |
| has_fha_loan | boolean | yes | Does the property already have an FHA-insured mortgage? |
| need | string | – | Only when has_fha_loan is true: what the owner needs. Default lower_rate_no_cash_out. |
No output schema declared.
No examples provided.
get_limits_and_costs 2026 FHA multifamily limits, ratios, MIP and fees ~182
HUD's 2026 FHA multifamily rulebook as the site publishes it: per-unit statutory limits by bedroom (Section 207/223(f)/220, 221(d)(4) or 231; elevator and non-elevator) with the high-cost amount for a state, loan-to-value and coverage ratios by tier, large-loan ratios, MIP, HUD fees and loan terms, each with its source.
| Name | Type | Req | Description |
|---|---|---|---|
| section | string | – | Limits table: 207_223f_220 (Section 207, 207 pursuant to 223(f), and 220), 221d4, or 231. Default 207_223f_220. |
| state | string | – | Optional two-letter state code, to apply its high-cost percentage (405% in AK, HI, GU, VI; 270% elsewhere). |
No output schema declared.
No examples provided.
size_loan Size an FHA 223(f) or 221(d)(4) loan ~519
Estimates the maximum FHA 223(f) or 221(d)(4) loan the way HUD Form 92264-A does, with the fhamultifamily.loan sizer: statutory limit (2026 per-unit limits x high-cost %), loan to value or cost, debt service coverage with 0.25% MIP, the 223(f) cash-out or acquisition test, large-loan ratios at $130M+. Returns each test, the one that controls, payment, MIP, fees, DSCR and LTV.
| Name | Type | Req | Description |
|---|---|---|---|
| build_months | integer | – | 221(d)(4) only: construction period in months, for the upfront MIP. Default 20 (the sizer page default). |
| elevator | boolean | – | Elevator building (higher per-unit limits). Default false. |
| noi | number | yes | Underwritten annual net operating income in dollars. |
| payoff | number | – | 223f_refinance only: existing debt plus closing costs, for the cash-out test. |
| price | number | – | 223f_purchase only: price plus repairs and closing costs, for the acquisition cost test. |
| program | string | yes | 223f_refinance, 223f_purchase, 221d4_new_construction or 221d4_substantial_rehab. |
| rate | number | – | Note rate in percent. Default 5.54, the median note rate on apartment loans HUD endorsed in the year to September 30, 2026 (not a quote). |
| state | string | yes | Two-letter state or territory code, e.g. TX. AK, HI, GU and VI use the 405% high-cost percentage; all others 270%. |
| tier | string | – | Rents: market (87% / 1.15), affordable (tax credit or Section 8 rents at least 10% below market), assisted (90%+ of units with rental assistance), middle (221(d)(4) only; on 223(f) it sizes as market… |
| units | object | yes | Unit count by bedroom, e.g. {"br1": 48, "br2": 60, "br3": 12}. Keys: studio, br1, br2, br3, br4 (four or more bedrooms). Omitted keys are 0. |
| value | number | yes | 223(f): property (or appraised) value in dollars. 221(d)(4): total replacement cost in dollars. |
No output schema declared.
No examples provided.
How do I install the Sizing Sheet: FHA multifamily program chooser and loan sizer MCP server?
Sizing Sheet: FHA multifamily program chooser and loan sizer is a hosted endpoint at https://fhamultifamily.loan/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 · fhamultifamily.loan
claude mcp add --transport http loan-fhamultifamily-fhamultifamily-loan 'https://fhamultifamily.loan/mcp'
What is the Sizing Sheet: FHA multifamily program chooser and loan sizer MCP server?
Sizing Sheet: FHA multifamily program chooser and loan sizer is an MCP server listed in the public MCP registry as loan.fhamultifamily/fhamultifamily-loan. FHA multifamily program chooser and loan sizer on HUD's 2026 limits, ratios, MIP and fees. This page covers its hosted endpoint (https://fhamultifamily.loan/mcp).
Is the Sizing Sheet: FHA multifamily program chooser and loan sizer MCP server safe to use?
Sizing Sheet: FHA multifamily program chooser and loan sizer scores 69 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 Sizing Sheet: FHA multifamily program chooser and loan sizer MCP server expose?
Sizing Sheet: FHA multifamily program chooser and loan sizer exposes 3 tools: choose_program, size_loan, get_limits_and_costs. Their descriptions and schemas cost roughly 904 tokens of context every time the server is loaded.
Does the Sizing Sheet: FHA multifamily program chooser and loan sizer MCP server require authentication?
No. We connected to Sizing Sheet: FHA multifamily program chooser and loan sizer without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Sizing Sheet: FHA multifamily program chooser and loan sizer MCP server still maintained?
Sizing Sheet: FHA multifamily program chooser and loan sizer is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.