CandidCost MCP server

• Registry namecom.candidcost/mcpverified in the MCP registry

The registry name sits under candidcost.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-19
• Tools10
• Server calls itselfcandidcost
• Server version2.0.0
• Protocol version2025-06-18

On 2026-10-19 the server answered initialize and tools/list without a sign-in. First answer in 112 ms.

• Answeredmeasuring1 of the 7 daily checks it takes to print a share
• Median first answer130 ms
• Space in an agent's context≈ 3,118 tokensthe definitions of all its tools (10), which an agent carries on every turn
• Tool definitionsA · 100 of 100

• Every tool passes all six checks.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work.

• true_cost_estimate

  Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "approval" payment (PITI+PMI) to reveal the hidden monthly gap. Dollar inputs are…

• affordability_estimate

  Compute front-end (housing) and back-end (total debt) DTI budgets from income and debts, and the home price implied by the binding limit. Reports the standard 28/36 thresholds without ever telling the user what they "can afford". Dollar…

• fee_benchmarks

  Return closing-cost and rate-spread percentile distributions (p25/p50/p75 + mean) for a US state, computed from the row-level CFPB HMDA LAR for originated, first-lien, home-purchase loans. Cells with fewer than 25 records are suppressed…

• benchmark_rates

  Return the latest benchmark mortgage rates (e.g. 30-year and 15-year fixed) from the Federal Reserve (FRED), each with its observation date and ledger receipt. Rates are fixed-precision percent strings.

• search_dpa_programs

  Find down payment assistance (DPA) programs by US state and/or buyer type. Includes national programs. Each result links to its official government source and carries a ledger receipt and last-verified date.

• decode_loan_estimate_fee

  Classify a mortgage Loan Estimate fee by CFPB section and control class (set by lender, shoppable, third-party, government, or prepaid), with a plain-language explanation and an educational question a buyer could ask. Omit "fee" to list…

• payment_shock_estimate

  Estimate why a mortgage payment often jumps in year two: escrow at closing is sized from the seller's current tax bill, but the county reassesses at your purchase price, and RESPA spreads the resulting escrow shortage over 12 months…

• pressure_check

  Decompose the tradeoff a rushed buyer faces: the earnest money at risk by walking away versus what overpaying to "win" costs over the life of the loan. Given the earnest money at risk, the overpay amount over your walk-away price…

• rent_vs_buy_estimate

  Compare the net cost of owning against renting over a holding period and find the break-even year. Owning nets upfront cash and recurring carrying costs against sale proceeds (appreciated value − selling costs − remaining loan); renting…

• verify_receipt

  Verify a CandidCost ledger receipt hash (full sha256 or short "3f9a…c21e" form). Confirms the receipt exists and that its dataset hash chain is intact, proving the underlying data has not been altered since ingestion.