INDIVIDUAL MCP TOOL

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.

candidcost.comnone authenticationAvailability not checked

LIVE ENDPOINT

https://candidcost.com/api/mcp

No auth detected

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

Indexed input schema

{}

Risk classification

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

A tool name or description suggests a financial action.

Parent server

candidcost.com

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.

Related tools

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search_dpa_programs — Find down payment assistance (DPA) programs by US state and/or buyer type.
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.
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.
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.
rent_vs_buy_estimate — Compare the net cost of owning against renting over a holding period and find the break-even year.