US Mortgage Calculator MCP server

Which servers in the official MCP registry are US Mortgage Calculator's own, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-10-16

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Whose server it is

Registry namecom.usmortgagecalc/mortgageverified in the MCP registry

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

When we asked itchecked 2026-10-16

Stateanswerschecked 2026-10-16
Tools11
Server calls itselfusmortgagecalc
Server version1.0.0
Protocol version2025-06-18

On 2026-10-16 the server answered initialize and tools/list without a sign-in. First answer in 289 ms.

Tools it offers11 tools · read 2026-10-16

calculate_mortgage
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…
calculate_amortization
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…
calculate_pmi
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…
calculate_property_tax
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…
calculate_affordability
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…
calculate_refinance
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…
estimate_closing_costs
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…
calculate_rent_vs_buy
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…
compare_loans
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…
get_state_mortgage_rules
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…
list_states
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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "mortgage": {
      "type": "http",
      "url": "https://www.usmortgagecalc.com/mcp"
    }
  }
}

OpenAPI spec

16 paths, read 2026-10-16. Open the spec ↗

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.