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com.candidcost/mcp

MCP serverVerified domain · candidcost.comRemote● LiveFree to try

Cited, receipt-backed US home-buying data & calculators — education-only, every number sourced.

Install

Remote server: your requests and data go to candidcost.com. Claude Code: claude mcp add --transport http mcp https://candidcost.com/api/mcp · Claude app: Settings → Connectors → Add custom connector.

What it can do

The tools this server listed when we connected to it, in its own words.

  • true_cost_estimate — Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it
  • affordability_estimate — Compute front-end (housing) and back-end (total debt) DTI budgets from income and debts, and the home price implied by the binding limit. Re
  • fee_benchmarks — Return closing-cost and rate-spread percentile distributions (p25/p50/p75 + mean) for a US state, computed from the row-level CFPB HMDA LAR
  • benchmark_rates — Return the latest benchmark mortgage rates (e.g. 30-year and 15-year fixed) from the Federal Reserve (FRED), each with its observation date
  • search_dpa_programs — Find down payment assistance (DPA) programs by US state and/or buyer type. Includes national programs. Each result links to its official gov
  • decode_loan_estimate_fee — Classify a mortgage Loan Estimate fee by CFPB section and control class (set by lender, shoppable, third-party, government, or prepaid), wit
  • payment_shock_estimate — 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 reass
  • pressure_check — Decompose the tradeoff a rushed buyer faces: the earnest money at risk by walking away versus what overpaying to "win" costs over the life o
  • rent_vs_buy_estimate — Compare the net cost of owning against renting over a holding period and find the break-even year. Owning nets upfront cash and recurring ca
  • verify_receipt — Verify a CandidCost ledger receipt hash (full sha256 or short "3f9a…c21e" form). Confirms the receipt exists and that its dataset hash chain

KitScout test notes

Not tested by KitScout yet. When our harness runs it, pros, cons and the tasks we tried appear here, with the date and evidence.

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