INDIVIDUAL MCP TOOL

calculate_refinance

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

usmortgagecalc.comnone authenticationAvailability not checked

LIVE ENDPOINT

https://www.usmortgagecalc.com/mcp

No auth detected

Connect to this endpoint to inspect the live schema for calculate_refinance and invoke it with your own arguments.

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Potential side effects detected · medium confidence · heuristic, not a guarantee.

CONNECT WITH APPROVAL

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.

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.
calculate_amortization — Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance.
calculate_pmi — Mortgage insurance for any US loan programme, including the upfront charges most calculators omit.
calculate_property_tax — Annual and monthly property tax for a home, using a state's average effective rate.
calculate_affordability — Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios.
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.
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.
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.