com.usmortgagecalc/mortgage

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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 11 outils

• calculate_affordability≈ 684 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 limited by the front-end ratio cannot.

  Paramètres, retour & exemple (11)

  Paramètres

  • state · string · optionnel
    Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.
  • monthlyHoa · number · optionnel
    Monthly HOA dues.
  • loanTermYears · integer · optionnel
    Loan term in years. Most US mortgages are 15 or 30.
  • annualInsurance · number · optionnel
    Annual homeowners insurance premium.
  • annualGrossIncome · number · requis
    Household income before tax, in US dollars per year.
  • downPaymentAmount · number · requis
    Cash available for the down payment, in US dollars. A dollar amount, not a percentage.
  • backEndRatioPercent · number · optionnel
    Maximum total debt as a share of gross income. 36 is conservative; lenders often allow 45 and sometimes 50.
  • monthlyDebtPayments · number · optionnel
    Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing.
  • frontEndRatioPercent · number · optionnel
    Maximum housing cost as a share of gross income. 28 is the conservative standard.
  • propertyTaxRatePercent · number · optionnel
    Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.
  • annualInterestRatePercent · number · optionnel
    Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.

  Exemple d'appel

  {"name": "calculate_affordability", "arguments": {"annualGrossIncome": 1, "downPaymentAmount": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_amortization≈ 668 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.

  Paramètres, retour & exemple (11)

  Paramètres

  • state · string · optionnel
    Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.
  • loanType · string · optionnel · conventional | fha | va | usda
    Loan programme. Affects mortgage insurance and upfront fees.
  • homePrice · number · requis
    Purchase price of the home in US dollars.
  • monthlyHoa · number · optionnel
    Monthly homeowners association dues in US dollars.
  • granularity · string · optionnel · yearly | monthly
    Yearly returns one row per year; monthly returns one row per payment, up to 600 rows.
  • loanTermYears · integer · optionnel
    Loan term in years. Most US mortgages are 15 or 30.
  • annualInsurance · number · optionnel
    Annual homeowners insurance premium in US dollars.
  • downPaymentPercent · number · optionnel
    Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.
  • monthlyExtraPrincipal · number · optionnel
    Additional principal paid each month. Shortens the loan rather than lowering the payment.
  • propertyTaxRatePercent · number · optionnel
    Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.
  • annualInterestRatePercent · number · optionnel
    Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.

  Exemple d'appel

  {"name": "calculate_amortization", "arguments": {"homePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_mortgage≈ 629 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 $400,000 house'.

  Paramètres, retour & exemple (10)

  Paramètres

  • state · string · optionnel
    Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.
  • loanType · string · optionnel · conventional | fha | va | usda
    Loan programme. Affects mortgage insurance and upfront fees.
  • homePrice · number · requis
    Purchase price of the home in US dollars.
  • monthlyHoa · number · optionnel
    Monthly homeowners association dues in US dollars.
  • loanTermYears · integer · optionnel
    Loan term in years. Most US mortgages are 15 or 30.
  • annualInsurance · number · optionnel
    Annual homeowners insurance premium in US dollars.
  • downPaymentPercent · number · optionnel
    Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.
  • monthlyExtraPrincipal · number · optionnel
    Additional principal paid each month. Shortens the loan rather than lowering the payment.
  • propertyTaxRatePercent · number · optionnel
    Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.
  • annualInterestRatePercent · number · optionnel
    Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.

  Exemple d'appel

  {"name": "calculate_mortgage", "arguments": {"homePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_pmi≈ 570 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: the funding fee, tiered by down payment and prior use, and waivers. USDA: guarantee and annual fees.

  Paramètres, retour & exemple (9)

  Paramètres

  • loanType · string · optionnel · conventional | fha | va | usda
    Loan programme. Affects mortgage insurance and upfront fees.
  • homePrice · number · requis
    Purchase price of the home in US dollars.
  • creditScore · integer · optionnel
    FHA only: sets the minimum down payment. 580+ qualifies for 3.5%.
  • loanTermYears · integer · optionnel
    Loan term in years. Most US mortgages are 15 or 30.
  • vaSubsequentUse · boolean · optionnel
    VA only: entitlement used before.
  • downPaymentPercent · number · optionnel
    Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.
  • monthlyExtraPrincipal · number · optionnel
    Extra principal paid monthly.
  • vaExemptFromFundingFee · boolean · optionnel
    VA only: funding fee waived.
  • annualInterestRatePercent · number · optionnel
    Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.

  Exemple d'appel

  {"name": "calculate_pmi", "arguments": {"homePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_property_tax≈ 222 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_rules.

  Paramètres, retour & exemple (2)

  Paramètres

  • state · string · requis
    Full US state name, for example "Texas".
  • homePrice · number · requis
    Home value in US dollars.

  Exemple d'appel

  {"name": "calculate_property_tax", "arguments": {"state": "texte", "homePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_refinance≈ 436 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.

  Paramètres, retour & exemple (7)

  Paramètres

  • closingCosts · number · requis
    Total cost to close the refinance, in US dollars.
  • newTermYears · integer · optionnel
    Loan term in years. Most US mortgages are 15 or 30.
  • currentBalance · number · requis
    Remaining principal on the existing loan.
  • financeClosingCosts · boolean · optionnel
    Roll closing costs into the new balance instead of paying cash.
  • newAnnualRatePercent · number · requis
    Interest rate being offered.
  • currentAnnualRatePercent · number · requis
    Interest rate on the existing loan.
  • currentRemainingTermMonths · integer · requis
    Months still to run on the existing loan.

  Exemple d'appel

  {"name": "calculate_refinance", "arguments": {"closingCosts": 1, "currentBalance": 1, "newAnnualRatePercent": 1, "currentAnnualRatePercent": 1, "currentRemainingTermMonths": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_rent_vs_buy≈ 803 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 and investment-return assumptions, which are returned alongside it.

  Paramètres, retour & exemple (15)

  Paramètres

  • state · string · optionnel
    Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.
  • homePrice · number · requis
    Purchase price of the home in US dollars.
  • monthlyHoa · number · optionnel
    Monthly HOA dues.
  • monthlyRent · number · requis
    Current monthly rent for a comparable home.
  • loanTermYears · integer · optionnel
    Loan term in years. Most US mortgages are 15 or 30.
  • yearsToCompare · integer · optionnel
    Horizon of the comparison.
  • annualInsurance · number · optionnel
    Annual homeowners insurance premium.
  • downPaymentPercent · number · optionnel
    Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.
  • sellingCostPercent · number · optionnel
    Cost of selling, including agent commission.
  • propertyTaxRatePercent · number · optionnel
    Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.
  • investmentReturnPercent · number · optionnel
    Return a renter earns on cash not tied up in a house.
  • annualMaintenancePercent · number · optionnel
    Annual upkeep as a percentage of home value. Typically 1 to 2.
  • annualInterestRatePercent · number · optionnel
    Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.
  • annualRentIncreasePercent · number · optionnel
    Expected annual rent growth.
  • annualHomeAppreciationPercent · number · optionnel
    Expected annual home price growth. The answer is highly sensitive to this.

  Exemple d'appel

  {"name": "calculate_rent_vs_buy", "arguments": {"homePrice": 1, "monthlyRent": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_loans≈ 754 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.

  Paramètres, retour & exemple (1)

  Paramètres

  • scenarios · array · requis
    Two to five loan scenarios to compare side by side.

  Exemple d'appel

  {"name": "compare_loans", "arguments": {"scenarios": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• estimate_closing_costs≈ 616 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 guarantee fee where they apply.

  Paramètres, retour & exemple (10)

  Paramètres

  • state · string · optionnel
    Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.
  • loanType · string · optionnel · conventional | fha | va | usda
    Loan programme. Affects mortgage insurance and upfront fees.
  • homePrice · number · requis
    Purchase price of the home in US dollars.
  • escrowMonths · integer · optionnel
    Months of taxes collected up front to open the escrow account.
  • annualInsurance · number · optionnel
    Annual homeowners insurance premium.
  • vaSubsequentUse · boolean · optionnel
    VA only: entitlement has been used before.
  • downPaymentPercent · number · optionnel
    Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.
  • transferTaxPercent · number · optionnel
    State and local transfer tax as a percentage of price. Varies enormously by state.
  • propertyTaxRatePercent · number · optionnel
    Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.
  • vaExemptFromFundingFee · boolean · optionnel
    VA only: exempt from the funding fee, for example a service-connected disability rating.

  Exemple d'appel

  {"name": "estimate_closing_costs", "arguments": {"homePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_state_mortgage_rules≈ 272 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 when the question is about mechanics or deadlines rather than a dollar amount.

  Paramètres, retour & exemple (1)

  Paramètres

  • state · string · requis
    Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.

  Exemple d'appel

  {"name": "get_state_mortgage_rules", "arguments": {"state": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• list_states≈ 275 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.

  Paramètres, retour & exemple (3)

  Paramètres

  • limit · integer · optionnel
    How many states to return.
  • order · string · optionnel · asc | desc
    Sort direction.
  • sortBy · string · optionnel · name | taxRate | medianHomeValue
    Ordering of the returned list.

  Exemple d'appel

  {"name": "list_states", "arguments": {"limit": 1, "order": "asc", "sortBy": "name"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://www.usmortgagecalc.com/mcp