{"name":"com.usmortgagecalc/mortgage","slug":"usmortgagecalc-mortgage","title":"US Mortgage Calculator","description":"US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.","url":"https://mcp.market/server/usmortgagecalc-mortgage","rating":null,"grade":"C","score":60,"certified":false,"status":"active","category":"other","tags":[],"presence":{"score":8,"stars":null,"forks":null,"downloads_week":null,"last_push_at":null,"license":null},"uptime":{"percent":100,"checks":20,"ok":20,"last_checked_at":"2026-09-24T06:56:07.427Z","last_ok_at":"2026-09-24T06:56:07.427Z","latency_ms":548},"claimed":false,"transport":"remote","callable_via_gateway":true,"default_price_micros":0,"repository":null,"website":"https://www.usmortgagecalc.com","version":"1.0.1","remotes":[{"type":"streamable-http","url":"https://www.usmortgagecalc.com/mcp"}],"packages":[],"tools":[{"name":"calculate_affordability","description":"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.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"annualGrossIncome":{"description":"Household income before tax, in US dollars per year.","type":"number","exclusiveMinimum":0},"monthlyDebtPayments":{"description":"Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing.","default":0,"type":"number","minimum":0},"downPaymentAmount":{"description":"Cash available for the down payment, in US dollars. 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USDA: guarantee and annual fees.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"homePrice":{"description":"Purchase price of the home in US dollars.","type":"number","exclusiveMinimum":0,"maximum":100000000},"downPaymentPercent":{"default":10,"description":"Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.","type":"number","minimum":0,"maximum":100},"annualInterestRatePercent":{"default":6.5,"description":"Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.","type":"number","minimum":0,"maximum":30},"loanTermYears":{"default":30,"description":"Loan term in years. Most US mortgages are 15 or 30.","type":"integer","minimum":1,"maximum":50},"loanType":{"default":"conventional","description":"Loan programme. 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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.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"homePrice":{"description":"Home value in US dollars.","type":"number","exclusiveMinimum":0},"state":{"description":"Full US state name, for example \"Texas\".","type":"string","minLength":2}},"required":["homePrice","state"],"$schema":"https://json-schema.org/draft/2020-12/schema"}},{"name":"calculate_refinance","description":"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.","write_action":false,"price_micros":0,"input_schema":{"type":"object","properties":{"currentBalance":{"description":"Remaining principal on the existing loan.","type":"number","exclusiveMinimum":0},"currentAnnualRatePercent":{"description":"Interest rate on the existing loan.","type":"number","minimum":0,"maximum":30},"currentRemainingTermMonths":{"description":"Months still to run on the existing loan.","type":"integer","exclusiveMinimum":0,"maximum":600},"newAnnualRatePercent":{"description":"Interest rate being offered.","type":"number","minimum":0,"maximum":30},"newTermYears":{"default":30,"description":"Loan term in years. 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