# LIHTC Atlas: income limits, QCT/DDA and LIHTC properties (remote · lihtc.loans)

LIHTC data: HUD income and rent limits, 2027 QCT/DDA checks, LIHTC properties, credit math.

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `lihtc.loans`: 69/100 (this document), [markdown](https://verifymcp.io/servers/loans-lihtc-lihtc-loans/lihtc.md), [page](https://verifymcp.io/servers/loans-lihtc-lihtc-loans/lihtc)

## Channel facts

- Endpoint: `https://lihtc.loans/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.0`

## 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. 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.
  - 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**: 64/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1573 tokens (~157/item across 10 items; 10 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 97/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 90% 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 10 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 11 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server?

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties is a hosted endpoint at https://lihtc.loans/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 loans-lihtc-lihtc-loans 'https://lihtc.loans/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loans-lihtc-lihtc-loans": {
      "url": "https://lihtc.loans/mcp"
    }
  }
}
```

### VS Code

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

### Codex

```toml
[mcp_servers.loans-lihtc-lihtc-loans]
url = "https://lihtc.loans/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add loans-lihtc-lihtc-loans --url 'https://lihtc.loans/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loans-lihtc-lihtc-loans:
    url: "https://lihtc.loans/mcp"
```

### Netclaw

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

### Vellum

```bash
assistant mcp add loans-lihtc-lihtc-loans -t streamable-http -u 'https://lihtc.loans/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loans-lihtc-lihtc-loans": {
      "type": "http",
      "url": "https://lihtc.loans/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 69, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 68, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-02 (score 67)

First indexed and scored.

## MCP tools (10)

### `get_income_limits` (~223 tokens)

LIHTC income and rent limits

HUD FY2026 MTSP income limits for a county (town in New England): every level from 20% to 80% of area median for 1 to 8 persons, HERA Special limits where HUD lists them, the area median family income, and the maximum gross rent by bedroom count at each level (IRS Pub. 5913 method). Give state + county, or fips.

Input parameters:

- `ami_level` (integer): Only this level (percent of AMI)
- `county` (string): County name, e.g. "Harris County" or "Harris"; in New England, a town ("Boston"). Use fips when a name is ambiguous.
- `fips` (string): 5-digit county FIPS (48201) or HUD's 10-digit area code (county + county subdivision, e.g. 2502507000 for Boston)
- `household_size` (integer): Only this household size
- `state` (string): Two-letter state or territory code (CA, DC, PR) or name

### `calculate_max_rent` (~211 tokens)

Maximum LIHTC rent

Maximum LIHTC gross rent and tenant-paid rent for one unit: county, bedroom count and AMI level, less an optional utility allowance, from HUD FY2026 MTSP limits by the IRS Publication 5913 method, with the formula.

Input parameters:

- `ami_level` (integer, required): Percent of area median income
- `bedrooms` (integer, required): 0 for a studio
- `county` (string): County name, e.g. "Harris County" or "Harris"; in New England, a town ("Boston"). Use fips when a name is ambiguous.
- `fips` (string): 5-digit county FIPS (48201) or HUD's 10-digit area code (county + county subdivision, e.g. 2502507000 for Boston)
- `state` (string): Two-letter state or territory code (CA, DC, PR) or name
- `utility_allowance` (number): Monthly utility allowance for tenant-paid utilities, dollars (default 0)

### `check_qct_dda` (~134 tokens)

QCT and DDA check

Is a site in a Qualified Census Tract or Difficult Development Area on HUD's 2027 lists (and any newer year HUD has posted)? Give a US street address (geocoded by the Census Bureau), or lat + lon, or an 11-digit 2020 census tract. Returns the tract, county, ZCTA and metro area and one result per list year.

Input parameters:

- `address` (string): Street address with city and state or ZIP
- `lat` (number)
- `lon` (number)
- `tract` (string): 11-digit 2020 census tract GEOID

### `search_properties` (~128 tokens)

Search LIHTC properties

HUD-listed LIHTC properties still monitored for compliance, in one state, optionally one city and a name or street fragment, largest first. Each result has its lihtc.loans page URL and HUD project id for get_property. Covers cities with 5 or more monitored properties.

Input parameters:

- `city` (string): City name as HUD lists it, e.g. "Los Angeles"
- `limit` (integer)
- `name` (string): Words from the property name or street address
- `state` (string, required): Two-letter state or territory code (CA, DC, PR) or name

### `get_property` (~159 tokens)

Get one LIHTC property

Everything HUD's LIHTC database lists for one property (units, income-restricted units, bedrooms, placed-in-service and allocation years, credit type, bonds, income test, targeting), its compliance and extended-use years, 2027 QCT/DDA status, its county's 2026 50% and 60% limits and rents, and nearby properties. Give the page url or the HUD project id.

Input parameters:

- `id` (string): HUD project id, e.g. ALA19940016
- `state` (string): Two-letter state or territory code (CA, DC, PR) or name
- `url` (string): A lihtc.loans property page, /apartments/<state>/<city>/<property>/

### `get_state_lihtc` (~93 tokens)

State LIHTC facts

One state's allocating agency and LIHTC page, current Qualified Allocation Plan, state credit, 2026 9% credit ceiling and private activity bond cap (with the per-capita or minimum basis and population), and its count of 2027 QCTs and nonmetro DDA counties.

Input parameters:

- `state` (string, required): Two-letter state or territory code (CA, DC, PR) or name

### `get_applicable_percentages` (~83 tokens)

IRS applicable percentages

The monthly 70% (9%) and 30% (4%) present value credit rates from the IRS revenue ruling, the statutory 9% and 4% floors and the rate a deal uses. Defaults to the latest month, with the last 12.

Input parameters:

- `month` (string): YYYY-MM, e.g. 2026-11

### `get_equity_pricing` (~49 tokens)

LIHTC equity pricing

Median net equity price per $1 of federal housing credit from CohnReznick's Housing Tax Credit Monitor, the series since late 2024, and current national fund pricing ranges.

### `calculate_credits` (~195 tokens)

LIHTC credit and equity estimate

Annual and 10-year housing credits and equity from eligible basis, applicable fraction, credit type (4 or 9), the optional 130% basis boost and a credit price (default: the latest public median). Uses the statutory floor unless applicable_percentage is given. Same math as the lihtc.loans credit estimator.

Input parameters:

- `applicable_fraction` (number, required): Low-income share of the building, 0 to 1 (or a percent)
- `applicable_percentage` (number): Override the rate, in percent (e.g. 3.53) when the floor does not apply
- `boost` (boolean): 130% basis boost (QCT, DDA or state-designated)
- `credit_price` (number): Equity per $1 of credit, e.g. 0.85
- `credit_type` (string, required): 4 or 9
- `eligible_basis` (number, required): Eligible basis in dollars

### `get_financing_quote_link` (~70 tokens)

LIHTC financing quote link

The page where a developer or owner can request a financing quote for a 4% or 9% deal (construction, tax-exempt bond, bridge, permanent, Year 15) from Janover Capital LLC, and what the desk handles. Returns a link only; it submits nothing.

## Diagnostics

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

## Score history

- 2026-11-05: 69
- 2026-11-04: 68
- 2026-11-03: 68
- 2026-11-02: 67

## Common questions

### What is the LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server?

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties is an MCP server listed in the public MCP registry as loans.lihtc/lihtc-loans. LIHTC data: HUD income and rent limits, 2027 QCT/DDA checks, LIHTC properties, credit math. This page covers its hosted endpoint (https://lihtc.loans/mcp).

### Is the LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server safe to use?

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties 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 LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server expose?

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties exposes 10 tools: get_income_limits, calculate_max_rent, check_qct_dda, search_properties, get_property, and 5 more. Their descriptions and schemas cost roughly 1,345 tokens of context every time the server is loaded.

### Does the LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server require authentication?

No. We connected to LIHTC Atlas: income limits, QCT/DDA and LIHTC properties without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server still maintained?

LIHTC Atlas: income limits, QCT/DDA and LIHTC properties 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.

### What did VerifyMCP test on the LIHTC Atlas: income limits, QCT/DDA and LIHTC properties MCP server?

VerifyMCP ran 13 checks on LIHTC Atlas: income limits, QCT/DDA and LIHTC properties, 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.

## Links

- Remote endpoint: https://lihtc.loans/mcp
- Website: https://lihtc.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-lihtc-lihtc-loans/lihtc.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-lihtc-lihtc-loans/lihtc/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loans-lihtc-lihtc-loans/lihtc.json
- HTML version of this page: https://verifymcp.io/servers/loans-lihtc-lihtc-loans/lihtc