MCP server

US Mortgage Calculator Official

com.usmortgagecalc/mortgage

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

US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.

Website

At a glance

Type

MCP server

Publisher

usmortgagecalc.com (verified by the MCP Registry)

Status

Working at last check

Tools

11

Token cost

About 5,862 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 mortgage https://www.usmortgagecalc.com/mcp

Claude Desktop

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

Codex (config.toml)

[mcp_servers.mortgage]
url = "https://www.usmortgagecalc.com/mcp"

Gemini CLI

{"mcpServers":{"mortgage":{"httpUrl":"https://www.usmortgagecalc.com/mcp"}}}

Cursor

{"mcpServers":{"mortgage":{"url":"https://www.usmortgagecalc.com/mcp"}}}

VS Code

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

Antigravity

agy mcp add mortgage https://www.usmortgagecalc.com/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":"mortgage","server_url":"https://www.usmortgagecalc.com/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"mortgage","server_url":"https://www.usmortgagecalc.com/mcp"}

Tools

• calculate_affordability ~686 tokens
  Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports which of the two ratios is the binding constraint, which is the actionable part: a buyer limited by the back-end ratio can raise their budget by clearing debt, one
• calculate_amortization ~673 tokens
  Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularity 'monthly' for the first years in detail, 'yearly' for a whole-term overview. Also reports how much sooner extra principal pays the loan off.
• calculate_mortgage ~628 tokens
  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. Pass a state name to use that state's average property tax rate. This is the right tool for 'what would my payment be on a
• calculate_pmi ~568 tokens
  Mortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month it cancels at 80% and 78% loan-to-value. FHA: the 1.75% upfront premium, monthly MIP, and whether it runs for the life of the loan or ends after 11 years. VA: th
• calculate_property_tax ~196 tokens
  Annual and monthly property tax for a home, using a state's average effective rate. Also returns how that state ranks nationally and how its rate compares with the national average. For the mechanics behind the number — assessment basis, caps, exemptions, appeal deadlines — use get_state_mortgage_ru
• calculate_refinance ~426 tokens
  Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetime interest, which catches the common trap where a lower payment costs more overall because the term was reset.
• calculate_rent_vs_buy Moves money · ~816 tokens
  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. Returns the year buying overtakes renting. The result is highly sensitive to the appreciation
• compare_loans ~763 tokens
  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. Use for 15-year versus 30-year, FHA versus conventional, competing lender quotes, or with and without discount points.
• estimate_closing_costs ~622 tokens
  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. Marks which items are worth shopping for and which are fixed by the county, and adds the FHA upfront premium, VA funding fee or USDA guar
• get_state_mortgage_rules ~245 tokens
  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. Use this
• list_states ~239 tokens
  Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest property taxes' directly. Call this to discover valid state names for the other tools.

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