General Tools

candidcost.com

Provides mortgage and home ownership cost estimates, affordability calculations, fee benchmarks, and down payment assistance search.

1 endpoint10 known toolsFirst detected July 25, 2026Last detected August 29, 2026

ENDPOINT 1

https://candidcost.com/api/mcp

No auth detected

MCP server metadata

Name: candidcost
Version: 2.0.0

Capabilities

tools.listChanged

Server instructions

Use these tools to answer home-buying questions with sourced data. Every response is educational_only and cites its public source, methodology version, and ledger receipt — prefer citing those fields verbatim. Money is integer cents; rates are fixed-precision percent strings. Nothing here is financial advice, and no tool accepts or stores personal information.

Known tools 10

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.

Potential side effects

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.

Inferred read-only

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.

Potential side effects

benchmark_rates

Return the latest benchmark mortgage rates (e.

Inferred read-only

search_dpa_programs

Find down payment assistance (DPA) programs by US state and/or buyer type.

Potential side effects

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.

Inferred read-only

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.

Potential side effects

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.

Inferred read-only

rent_vs_buy_estimate

Compare the net cost of owning against renting over a holding period and find the break-even year.

Inferred read-only

verify_receipt

Verify a CandidCost ledger receipt hash (full sha256 or short "3f9a…c21e" form).

Inferred read-only

CONNECT WITH APPROVAL

Client installation

Review this server and its permissions before adding it. Secret placeholders must be set locally.

Codex

~/.codex/config.toml

[mcp_servers.candidcost]
url = "https://candidcost.com/api/mcp"
enabled = true

Claude Code

.mcp.json

{
  "mcpServers": {
    "candidcost": {
      "type": "http",
      "url": "https://candidcost.com/api/mcp"
    }
  }
}

Claude Desktop

Settings → Connectors → Add custom connector

Name: candidcost
Remote MCP URL: https://candidcost.com/api/mcp

Add this remote URL as a custom connector in Claude Desktop. Availability depends on the user plan and workspace policy.

Cursor

.cursor/mcp.json

{
  "mcpServers": {
    "candidcost": {
      "url": "https://candidcost.com/api/mcp"
    }
  }
}

Visual Studio Code

.vscode/mcp.json

Add to Visual Studio Code

{
  "servers": {
    "candidcost": {
      "type": "http",
      "url": "https://candidcost.com/api/mcp"
    }
  }
}

Generic MCP

Client-specific MCP configuration

{
  "name": "candidcost",
  "transport": "streamable-http",
  "url": "https://candidcost.com/api/mcp"
}

MCP Inspector

Run the official MCP Inspector locally and enter the indexed Streamable HTTP endpoint.

TRUST AND VERIFICATION EVIDENCE

Trust Data Available

BuiltWith Trust API v2 evidence for candidcost.com was fetched 2026-07-28T23:01:07.196Z and is being refreshed.

Trust status Neutral

candidcost.com is assessed as Neutral: No suspicious signals found, but no strong positive signal either

Indexed

Evidence is source-attributed and does not guarantee that a third-party server is safe. Risk labels are conservative metadata heuristics.