US Mortgage Calculator is listed as active in the registry but did not answer our last check. It exposes 11 tools.
US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
Uptime history
39 days of history · worst day 5%
39 days agonow
7.7%
Uptime 24h
7 of 91 checks
11
Tools
read from the server
616 ms
Response time
average over 24h
open, no key
Access
streamable-http
US Mortgage Calculator does not always answer
Over the last week it answered 13.3% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.
Connect this server
Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 4 min ago.
run in your terminal
claude mcp add mortgage --transport http https://www.usmortgagecalc.com/mcp~/Library/Application Support/Claude/claude_desktop_config.json
{
"mcpServers": {
"mortgage": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}~/.codex/config.toml
[mcp_servers.mortgage]
url = "https://www.usmortgagecalc.com/mcp".cursor/mcp.json
{
"mcpServers": {
"mortgage": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}.vscode/mcp.json
{
"mcpServers": {
"mortgage": {
"url": "https://www.usmortgagecalc.com/mcp"
}
}
}Available tools 11
Read directly from the server with tools/list, grouped by what they act on.
If a tool disappears, we record the date.
calculate
calculate_affordability
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.
calculate_amortization
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
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'.
calculate_pmi
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.
calculate_property_tax
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.
calculate_refinance
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
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.
compare
compare_loans
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
estimate_closing_costs
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.
state
get_state_mortgage_rules
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.
states
list_states
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.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://www.usmortgagecalc.com/mcp | streamable-http | answering | 123 ms | 4 min ago |
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US Mortgage Calculator — questions
Answers built from our own checks of this server.
What can US Mortgage Calculator do?
It exposes 11 tools, read directly from the server on our last check. Among them: calculate_affordability, calculate_amortization, calculate_mortgage, calculate_pmi, calculate_property_tax, calculate_refinance and 5 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README.
How MCP servers expose tools in the first place →
Is US Mortgage Calculator working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 7 of 91 checks got a reply (7.7%), average response time 616 ms. The bar chart above shows every period we have measured.
The registry lists US Mortgage Calculator as active — why does it not respond?
The official MCP registry stores what the author submitted; it does not verify that the server still runs. We check the endpoint ourselves, and this one does not answer. Catalogues that copy the registry without checking will show it as working.
How do I connect US Mortgage Calculator?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.
Does US Mortgage Calculator need an API key?
No. US Mortgage Calculator completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 11 of them are readable on this page. This is what we observed, not what the docs claim.
How fast is US Mortgage Calculator?
It answers our handshake in 616 ms on average, which is faster than 23% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.