com.candidcost/mcp

up checked 2026-11-10T20:37:35.421Z

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Publisher-provided description

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

Summary by lookupd

Provides sourced US home-buying calculators and data lookups: DTI affordability, mortgage rates, closing-cost benchmarks, DPA programs…

Install

Claude Code, remote (streamable-http)

claude mcp add --transport http mcp https://candidcost.com/api/mcp

Codex, remote (streamable-http)

codex mcp add mcp --url https://candidcost.com/api/mcp

Cursor, remote (streamable-http) → .cursor/mcp.json

{
  "mcpServers": {
    "mcp": {
      "url": "https://candidcost.com/api/mcp"
    }
  }
}

Other clients: docs. Or tell your agent: Set up lookupd for me: read https://lookupd.com/agent.md and follow it.

Tools (10 tools)

Publisher-provided text

• true_cost_estimate Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "ap
• 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. Reports the standard 2
• 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 for originated, firs
• 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 and ledger receipt.
• 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 government source and c
• 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), with a plain-language e
• 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 reassesses at your purcha
• 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 of the loan. Given th
• 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 carrying costs against
• 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 is intact, proving

Details

• Version: 2.0.0
• Transports: streamable-http
• Uptime (7 days): 100%
• Median latency: 302 ms
• First indexed: 2026-11-01T08:53:18.243Z
• Last seen in registry: 2026-11-01T08:53:18.243Z
• Repository: https://github.com/RCOLKITT/candidcost
• Website: https://candidcost.com/for-agents

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[![lookupd status](https://lookupd.com/badge/com.candidcost/mcp.svg)](https://lookupd.com/servers/com.candidcost/mcp)

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• Last crawl: 2026-11-11T16:39:06.253Z
• API base: https://api.lookupd.com
• MCP URL: https://api.lookupd.com/mcp