com.usmortgagecalc/mortgage

up checked 2026-11-11T10:37:57.795Z

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Publisher-provided title

US Mortgage Calculator

Publisher-provided description

US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.

Summary by lookupd

Calculates US mortgage payments, amortization, PMI, property tax, closing costs, refinancing and rent-vs-buy comparisons across states.

Install

Claude Code, remote (streamable-http)

claude mcp add --transport http mortgage https://www.usmortgagecalc.com/mcp

Codex, remote (streamable-http)

codex mcp add mortgage --url https://www.usmortgagecalc.com/mcp

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

{
  "mcpServers": {
    "mortgage": {
      "url": "https://www.usmortgagecalc.com/mcp"
    }
  }
}

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

Tools (11 tools)

Publisher-provided text

• 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 a
• 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 th
• 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
• 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
• 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
• 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
• 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 paymen
• 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 rent
• 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
• 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, th
• 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

Details

• Version: 1.0.1
• Transports: streamable-http
• Uptime (7 days): 100%
• Median latency: 480 ms
• First indexed: 2026-11-01T08:59:47.823Z
• Last seen in registry: 2026-11-01T08:59:47.832Z
• Website: https://www.usmortgagecalc.com

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[![lookupd status](https://lookupd.com/badge/com.usmortgagecalc/mortgage.svg)](https://lookupd.com/servers/com.usmortgagecalc/mortgage)

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• Last crawl: 2026-11-11T18:39:04.612Z
• API base: https://api.lookupd.com
• MCP URL: https://api.lookupd.com/mcp