Combien d'outils expose com.candidcost/mcp ?

com.candidcost/mcp expose 10 outil(s). Le coût de contexte pour les charger tous est d'environ 3433 tokens (coût unique au chargement, pas par appel).

accueil / serveurs / Finance & Paiement / com.candidcost/mcp

com.candidcost/mcp

serveur MCP (Model Context Protocol) · candidcost 2.0.0

▸ Finance & Paiement

[ Non encore testé ]

Verdict MCP Hub
Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur.

streamable-httpType / transport

directAccès

~3433 tokensCoût de contexte

10Outils

Est-ce que com.candidcost/mcp est sûr ?

Au dernier audit MCP Hub, le serveur MCP « com.candidcost/mcp » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 10 outils

affordability_estimate≈ 465 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.
Paramètres, retour & exemple (9)
Paramètres
- termYears · integer · optionnel
  Loan term in years (default 30)
- downPayment · number · optionnel
  Down payment available, US dollars
- monthlyDebts · number · optionnel
  Recurring monthly debt payments (cards, autos, student loans), US dollars
- rateAnnualPct · number · optionnel
  Annual interest rate percent
- backEndLimitPct · number · optionnel
  Total DTI ceiling percent (default 36)
- insuranceAnnual · number · optionnel
  Annual homeowners insurance premium, US dollars
- frontEndLimitPct · number · optionnel
  Housing DTI ceiling percent (default 28)
- grossMonthlyIncome · number · requis
  Gross monthly income, US dollars
- propertyTaxRatePct · number · optionnel
  Annual property tax rate, % of value
Exemple d'appel
```
{"name": "affordability_estimate", "arguments": {"grossMonthlyIncome": 1}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
benchmark_rates≈ 122 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.
Paramètres, retour & exemple (0)
Exemple d'appel
```
{"name": "benchmark_rates", "arguments": {}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
decode_loan_estimate_fee≈ 165 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.
Paramètres, retour & exemple (1)
Paramètres
- fee · string · optionnel
  Fee name or keyword, e.g. "origination", "title"
Exemple d'appel
```
{"name": "decode_loan_estimate_fee", "arguments": {"fee": "texte"}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
fee_benchmarks≈ 244 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 fixed-precision strings (…Pct). Each distribution carries a ledger receipt hash for verification.
Paramètres, retour & exemple (2)
Paramètres
- state · string · requis
  Two-letter US state code, e.g. "MA"
- metric · string · optionnel
  One of: total_loan_costs, origination_charges, rate_spread, interest_rate. Omit to return all metrics.
Exemple d'appel
```
{"name": "fee_benchmarks", "arguments": {"state": "texte"}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
payment_shock_estimate≈ 448 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 the listing), a state (or county FIPS) for the reassessment rate, and insurance, returns the year-1 escrow, the year-2 ongoing escrow, the temporary catch-up peak, and the jump. Money is integer cents. This decomposes the mechanics; it is not a prediction of your specific bill.
Paramètres, retour & exemple (6)
Paramètres
- state · string · optionnel
  Two-letter US state code for the reassessment rate
- county · string · optionnel
  5-digit county FIPS; its Census effective rate takes priority over the state rate
- purchasePrice · number · requis
  Purchase price in US dollars
- insuranceAnnual · number · optionnel
  Annual homeowners insurance, US dollars
- reassessRatePct · number · optionnel
  Effective annual property-tax rate at reassessment, %. Overrides county/state.
- sellersCurrentAnnualTax · number · requis
  Seller's current annual property tax in US dollars (from the listing)
Exemple d'appel
```
{"name": "payment_shock_estimate", "arguments": {"purchasePrice": 1, "sellersCurrentAnnualTax": 1}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
pressure_check≈ 420 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 shares of the overpay, the extra monthly P&I, the lifetime cost of overpaying, and its ratio to the earnest money. Money is integer cents. Educational decomposition — it names the two numbers so they can be compared; it never tells the user to walk or stay.
Paramètres, retour & exemple (5)
Paramètres
- overpay · number · requis
  How much over your walk-away price the pressure would push you to pay, US dollars
- termYears · integer · optionnel
  Loan term in years (default 30)
- earnestMoney · number · requis
  Earnest money at risk if you walk away after removing contingencies, US dollars
- rateAnnualPct · number · optionnel
  Annual interest rate percent, e.g. 6.5
- downPaymentPct · number · optionnel
  Down payment as a percent of price (0–100); splits the overpay into cash-at-close vs. financed
Exemple d'appel
```
{"name": "pressure_check", "arguments": {"overpay": 1, "earnestMoney": 1}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
rent_vs_buy_estimate≈ 744 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 would tie up. Dollar inputs are US dollars; money in the response is integer cents. Appreciation, rent growth, and investment return are user-set assumptions. Tax deductions are excluded (documented simplification). Educational decomposition — it reports both net costs and the break-even year; it never says rent or buy.
Paramètres, retour & exemple (15)
Paramètres
- homePrice · number · requis
  Home price in US dollars
- termYears · integer · optionnel
  Loan term in years
- hoaMonthly · number · optionnel
  Monthly HOA dues, US dollars
- monthlyRent · number · requis
  Comparable monthly rent in US dollars
- holdingYears · integer · optionnel
  How many years you plan to stay before selling
- rateAnnualPct · number · optionnel
  Annual interest rate percent
- closingCostPct · number · optionnel
  Upfront buy-side closing costs, % of price
- downPaymentPct · number · optionnel
  Down payment as a percent of price
- sellingCostPct · number · optionnel
  Selling costs at exit, % of future value
- insuranceAnnual · number · optionnel
  Annual homeowners insurance, US dollars
- maintenanceRatePct · number · optionnel
  Annual maintenance reserve, % of home value
- propertyTaxRatePct · number · optionnel
  Annual property tax rate, % of value
- investmentReturnPct · number · optionnel
  Assumed annual return a renter earns on invested cash percent
- annualAppreciationPct · number · optionnel
  Assumed annual home-price appreciation percent
- annualRentIncreasePct · number · optionnel
  Assumed annual rent increase percent
Exemple d'appel
```
{"name": "rent_vs_buy_estimate", "arguments": {"homePrice": 1, "monthlyRent": 1}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
search_dpa_programs≈ 190 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.
Paramètres, retour & exemple (2)
Paramètres
- buyer · string · optionnel
  Buyer type filter, e.g. "first-time", "veteran", "rural", "teacher"
- state · string · optionnel
  Two-letter US state code to filter by
Exemple d'appel
```
{"name": "search_dpa_programs", "arguments": {"buyer": "texte", "state": "texte"}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
true_cost_estimate≈ 647 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 are fixed-precision percent strings.
Paramètres, retour & exemple (12)
Paramètres
- state · string · optionnel
  Two-letter US state code (e.g. "NJ"). When provided and propertyTaxRatePct is omitted, the Census ACS effective property-tax rate for that state is used.
- county · string · optionnel
  5-digit county FIPS code. When provided and its Census county rate is available, it takes priority over the state rate (more accurate).
- homePrice · number · requis
  Home price in US dollars
- termYears · integer · optionnel
  Loan term in years (default 30)
- hoaMonthly · number · optionnel
  Monthly HOA dues, US dollars
- homeYearBuilt · integer · optionnel
  Year the home was built. Scales the maintenance reserve by age band: ×1.5 pre-1980, ×1.2 1980–2005, ×1.0 2006+.
- rateAnnualPct · number · optionnel
  Annual interest rate percent, e.g. 6.5
- downPaymentPct · number · optionnel
  Down payment as a percent of price (0–100)
- insuranceAnnual · number · optionnel
  Annual homeowners insurance premium, US dollars
- pmiAnnualRatePct · number · optionnel
  Annual PMI rate, % of loan, applied while LTV > 80%
- maintenanceRatePct · number · optionnel
  Annual maintenance reserve, % of home value (baseline before age adjustment)
- propertyTaxRatePct · number · optionnel
  Annual property tax rate, % of value. Overrides county/state-derived rates when supplied.
Exemple d'appel
```
{"name": "true_cost_estimate", "arguments": {"homePrice": 1}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```
verify_receipt≈ 157 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.
Paramètres, retour & exemple (1)
Paramètres
- hash · string · requis
  The receipt content hash to verify
Exemple d'appel
```
{"name": "verify_receipt", "arguments": {"hash": "texte"}}
```
Exemple de retour
```
{"content": [{"type": "text", "text": "…"}]}
```

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Source

https://candidcost.com/api/mcp