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US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
Remote server: your requests and data go to www.usmortgagecalc.com. Claude Code: claude mcp add --transport http us-mortgage-calculator https://www.usmortgagecalc.com/mcp · Claude app: Settings → Connectors → Add custom connector.
The tools this server listed when we connected to it, in its own words.
calculate_mortgage — Full monthly housing cost for a US mortgage: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues, plcalculate_amortization — Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularcalculate_pmi — Mortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month icalculate_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 itscalculate_affordability — Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports whicalculate_refinance — Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetestimate_closing_costs — Line-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table inclucalculate_rent_vs_buy — Compares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, acompare_loans — Compares two to five loan scenarios and reports which is cheapest by monthly payment and which by lifetime cost, separately, because they frget_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 slist_states — Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which statNot tested by KitScout yet. When our harness runs it, pros, cons and the tasks we tried appear here, with the date and evidence.