# 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.

- Trust score: 70/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `fhamultifamily.loan`: 70/100 (this document), [markdown](https://verifymcp.io/servers/loan-fhamultifamily-fhamultifamily-loan/fhamultifamily.md), [page](https://verifymcp.io/servers/loan-fhamultifamily-fhamultifamily-loan/fhamultifamily)

## Channel facts

- Endpoint: `https://fhamultifamily.loan/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 57/100
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

```bash
claude mcp add --transport http loan-fhamultifamily-fhamultifamily-loan 'https://fhamultifamily.loan/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loan-fhamultifamily-fhamultifamily-loan": {
      "url": "https://fhamultifamily.loan/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "loan-fhamultifamily-fhamultifamily-loan": {
      "type": "http",
      "url": "https://fhamultifamily.loan/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.loan-fhamultifamily-fhamultifamily-loan]
url = "https://fhamultifamily.loan/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "loan-fhamultifamily-fhamultifamily-loan": {
      "type": "remote",
      "url": "https://fhamultifamily.loan/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add loan-fhamultifamily-fhamultifamily-loan --url 'https://fhamultifamily.loan/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loan-fhamultifamily-fhamultifamily-loan:
    url: "https://fhamultifamily.loan/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "loan-fhamultifamily-fhamultifamily-loan": {
      "Transport": "http",
      "Url": "https://fhamultifamily.loan/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add loan-fhamultifamily-fhamultifamily-loan -t streamable-http -u 'https://fhamultifamily.loan/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loan-fhamultifamily-fhamultifamily-loan": {
      "type": "http",
      "url": "https://fhamultifamily.loan/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 70, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 69, +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.

### 2026-11-02 (score 68, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 68)

First indexed and scored.

## MCP tools (3)

### `choose_program` (~203 tokens)

Which FHA multifamily program fits

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.

Input parameters:

- `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, required): 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.

### `size_loan` (~519 tokens)

Size an FHA 223(f) or 221(d)(4) loan

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.

Input parameters:

- `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, required): 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, required): 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, required): 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, required): 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, required): 223(f): property (or appraised) value in dollars. 221(d)(4): total replacement cost in dollars.

### `get_limits_and_costs` (~182 tokens)

2026 FHA multifamily limits, ratios, MIP and fees

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.

Input parameters:

- `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).

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/loan-fhamultifamily-fhamultifamily-loan/fhamultifamily#diagnostics

## Score history

- 2026-11-05: 70
- 2026-11-04: 69
- 2026-11-03: 69
- 2026-11-02: 68
- 2026-11-01: 68

## Common questions

### 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 70 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 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://fhamultifamily.loan/mcp
- Website: https://fhamultifamily.loan/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loan-fhamultifamily-fhamultifamily-loan/fhamultifamily.xml
- Changelog JSON feed: https://verifymcp.io/servers/loan-fhamultifamily-fhamultifamily-loan/fhamultifamily.json
- HTML version of this page: https://verifymcp.io/servers/loan-fhamultifamily-fhamultifamily-loan/fhamultifamily