MCP-сервер US Mortgage Calculator

• Имя в реестреcom.usmortgagecalc/mortgageподтверждён в реестре MCP

Имя в реестре лежит в пространстве usmortgagecalc.com. Реестр пускает в такое пространство только того, кто доказал владение доменом через DNS или HTTP.

• Состояниеотвечаетпроверено 2026-10-16
• Инструменты11
• Сервер называет себяusmortgagecalc
• Версия сервера1.0.0
• Версия протокола2025-06-18

2026-10-16 сервер ответил на initialize и tools/list без входа. Первый ответ за 289 мс.

• 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…