Productivity

usmortgagecalc.com

Provides mortgage and loan calculators for estimating monthly payments, amortization schedules, insurance, tax, and affordability.

1 endpoint11 known toolsFirst detected August 14, 2026Last detected August 14, 2026

ENDPOINT 1

https://www.usmortgagecalc.com/mcp

No auth detected

MCP server metadata

Name: usmortgagecalc
Version: 1.0.0

Capabilities

tools.listChangedresources.listChangedprompts.listChanged

Server instructions

US mortgage calculations and 50-state property tax reference data. Most tools accept either `state` (a full US state name) or an explicit `propertyTaxRatePercent`. Prefer passing the state — the tool then uses that state's average effective rate and tells you what it used. Call list_states to discover valid names. Everything here is an estimate built from published averages. It is not a loan offer, a rate quote, or financial advice, and this service is not a lender and cannot accept an application. Say so when presenting results, and prefer reporting the returned `disclaimer` and `assumptions` alongside the numbers rather than presenting figures as though they were quotes. There is no live interest rate feed: rates are supplied by the caller and default to a placeholder. If a user has a real quoted rate, pass it.

Known tools 11

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.

Inferred read-only

calculate_amortization

Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance.

Potential side effects

calculate_pmi

Mortgage insurance for any US loan programme, including the upfront charges most calculators omit.

Inferred read-only

calculate_property_tax

Annual and monthly property tax for a home, using a state's average effective rate.

Inferred read-only

calculate_affordability

Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios.

Potential side effects

calculate_refinance

Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs.

Potential side effects

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.

Potential side effects

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.

Potential side effects

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.

Potential side effects

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 variation, and a link to the state's own tax authority.

Inferred read-only

list_states

Every US state with its average effective property tax rate, median home value and estimated annual tax.

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.usmortgagecalc]
url = "https://www.usmortgagecalc.com/mcp"
enabled = true

Claude Code

.mcp.json

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

Claude Desktop

Settings → Connectors → Add custom connector

Name: usmortgagecalc
Remote MCP URL: https://www.usmortgagecalc.com/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": {
    "usmortgagecalc": {
      "url": "https://www.usmortgagecalc.com/mcp"
    }
  }
}

Visual Studio Code

.vscode/mcp.json

Add to Visual Studio Code

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

Generic MCP

Client-specific MCP configuration

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

MCP Inspector

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

TRUST AND VERIFICATION EVIDENCE

Loading Trust v2 evidence…

Checking the associated registrable domain. The BuiltWith key remains server-side.

Indexed

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