MCP server

Candidcost Official

com.candidcost/mcp

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

Cited, receipt-backed US home-buying data & calculators — education-only, every number sourced.

Website Source

At a glance

Type

MCP server

Publisher

candidcost.com (verified by the MCP Registry)

Status

Working at last check

Tools

10

Token cost

About 3,564 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http candidcost https://candidcost.com/api/mcp

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

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

Gemini CLI

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

Cursor

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

VS Code

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

Antigravity

agy mcp add candidcost https://candidcost.com/api/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"candidcost","server_url":"https://candidcost.com/api/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"candidcost","server_url":"https://candidcost.com/api/mcp"}

Tools

• affordability_estimate ~466 tokens
  Compute front-end (housing) and back-end (total debt) DTI budgets from income and debts, and the home price implied by the binding limit. Reports the standard 28/36 thresholds without ever telling the user what they "can afford". Dollar inputs are US dollars; money in the response is integer cents.
• benchmark_rates ~99 tokens
  Return the latest benchmark mortgage rates (e.g. 30-year and 15-year fixed) from the Federal Reserve (FRED), each with its observation date and ledger receipt. Rates are fixed-precision percent strings.
• decode_loan_estimate_fee ~148 tokens
  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. Omit "fee" to list the full catalog.
• fee_benchmarks ~233 tokens
  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. Cells with fewer than 25 records are suppressed. Dollar metrics are integer cents (…Cents); percent metrics are
• payment_shock_estimate ~453 tokens
  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. Given the purchase price, the seller's current annual tax (from th
• pressure_check ~425 tokens
  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. Given the earnest money at risk, the overpay amount over your walk-away price, down-payment percent, rate, and term, returns the cash and financed s
• rent_vs_buy_estimate ~765 tokens
  Compare the net cost of owning against renting over a holding period and find the break-even year. Owning nets upfront cash and recurring carrying costs against sale proceeds (appreciated value − selling costs − remaining loan); renting nets rent paid against the investment gain on the cash a buyer
• search_dpa_programs ~170 tokens
  Find down payment assistance (DPA) programs by US state and/or buyer type. Includes national programs. Each result links to its official government source and carries a ledger receipt and last-verified date.
• true_cost_estimate ~666 tokens
  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. Dollar inputs are US dollars; all money in the response is integer cents; rates
• verify_receipt ~139 tokens
  Verify a CandidCost ledger receipt hash (full sha256 or short "3f9a…c21e" form). Confirms the receipt exists and that its dataset hash chain is intact, proving the underlying data has not been altered since ingestion.

Browse

• Payments
• Government and public data
• Property

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