Model Context Protocol (MCP) server for freee API integration
Nothing to run from here
US Mortgage Calculator is installed from its publisher's own source and answers where it runs, so this marketplace is not in the path of a single call. There is no address here to send one to, and a panel that pretended otherwise would be showing you an answer we made up. Install it and call it from your own client — the Installation tab has the entry for each one.
11
tools declared
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trust score
remote
at its publisher
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calls last 7d
What it does
US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
Quickstart
# 1 — add it to Claude Code
claude mcp add --scope user --transport http us-mortgage-calculator-mcp https://www.usmortgagecalc.com/mcp
# 2 — ask your agent for something these tools do
# calculate_mortgage, calculate_amortization, calculate_pmi and 8 more
US Mortgage Calculator costs nothing on mcprush: there is no plan to choose here, no cap to set and nothing mcprush can bill you for.
Publishernot claimed
USAll 1 server
usmortgagecalc1 server
1 category
Collected from a public index. Nobody has claimed this account, so nothing here was written by its author — claim it if it is yours.
Installation
Where are you running it?
Every route below installs the same thing and ends at the same approval screen. Nothing here runs on your machine and nothing runs on ours: this server answers at its publisher’s own address, and what you install is the connection straight to it.
Claude Codedeclared by this listing
This is a public server: it answers at its publisher’s own address and this marketplace is not in the path. Claude Code registers it in one command; --scope user makes it available in every project. The transport below is http, as the publisher's own manifest declares it.
claude mcp add --scope user --transport http us-mortgage-calculator-mcp https://www.usmortgagecalc.com/mcpReconnect, or start a new session, and the tools appear in the model’s tool list.
Free on mcprush, and it answers at its publisher’s own address: this marketplace is not in the path, so there is no key of ours to hold and no card to add.
What it writes
One config entry pointing straight at the publisher’s own address — this marketplace is not in the path, and nothing from this listing executes on your machine.
What you approve
11 tools, with what each one reads, writes and reaches shown before you agree — the same list on every route above. Read the tool surface.
Tool surface
What the model actually sees. Descriptions are diffed on every release — see version history.
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'.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| homePrice | number | yes | Purchase price of the home in US dollars. |
| downPaymentPercent | number | no | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | no | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | no | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | no | Loan programme. Affects mortgage insurance and upfront fees. |
| annualInsurance | number | no | Annual homeowners insurance premium in US dollars. |
| monthlyHoa | number | no | Monthly homeowners association dues in US dollars. |
| monthlyExtraPrincipal | number | no | Additional principal paid each month. Shortens the loan rather than lowering the payment. |
| state | string | no | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | no | Annual property tax as a percentage of home value. Omit and pass state instead to use that state's average. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| homePrice | number | yes | Purchase price of the home in US dollars. |
| downPaymentPercent | number | no | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | no | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | no | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | no | Loan programme. Affects mortgage insurance and upfront fees. |
| annualInsurance | number | no | Annual homeowners insurance premium in US dollars. |
| monthlyHoa | number | no | Monthly homeowners association dues in US dollars. |
| monthlyExtraPrincipal | number | no | Additional principal paid each month. Shortens the loan rather than lowering the payment. |
| state | string | no | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | no | Annual property tax as a percentage of home value. Omit and pass state instead to use that state's average. |
| granularity | string | no | Yearly returns one row per year; monthly returns one row per payment, up to 600 rows. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| homePrice | number | yes | Purchase price of the home in US dollars. |
| downPaymentPercent | number | no | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | no | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | no | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | no | Loan programme. Affects mortgage insurance and upfront fees. |
| monthlyExtraPrincipal | number | no | Extra principal paid monthly. |
| creditScore | integer | no | FHA only: sets the minimum down payment. 580+ qualifies for 3.5%. |
| vaSubsequentUse | boolean | no | VA only: entitlement used before. |
| vaExemptFromFundingFee | boolean | no | VA only: funding fee waived. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| homePrice | number | yes | Home value in US dollars. |
| state | string | yes | Full US state name, for example "Texas". |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| annualGrossIncome | number | yes | Household income before tax, in US dollars per year. |
| monthlyDebtPayments | number | no | Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing. |
| downPaymentAmount | number | yes | Cash available for the down payment, in US dollars. A dollar amount, not a percentage. |
| annualInterestRatePercent | number | no | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | no | Loan term in years. Most US mortgages are 15 or 30. |
| annualInsurance | number | no | Annual homeowners insurance premium. |
| monthlyHoa | number | no | Monthly HOA dues. |
| frontEndRatioPercent | number | no | Maximum housing cost as a share of gross income. 28 is the conservative standard. |
| backEndRatioPercent | number | no | Maximum total debt as a share of gross income. 36 is conservative; lenders often allow 45 and sometimes 50. |
| state | string | no | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | no | Annual property tax as a percentage of home value. Omit and pass state instead to use that state's average. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| currentBalance | number | yes | Remaining principal on the existing loan. |
| currentAnnualRatePercent | number | yes | Interest rate on the existing loan. |
| currentRemainingTermMonths | integer | yes | Months still to run on the existing loan. |
| newAnnualRatePercent | number | yes | Interest rate being offered. |
| newTermYears | integer | no | Loan term in years. Most US mortgages are 15 or 30. |
| closingCosts | number | yes | Total cost to close the refinance, in US dollars. |
| financeClosingCosts | boolean | no | Roll closing costs into the new balance instead of paying cash. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| homePrice | number | yes | Purchase price of the home in US dollars. |
| downPaymentPercent | number | no | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| loanType | string | no | Loan programme. Affects mortgage insurance and upfront fees. |
| annualInsurance | number | no | Annual homeowners insurance premium. |
| escrowMonths | integer | no | Months of taxes collected up front to open the escrow account. |
| transferTaxPercent | number | no | State and local transfer tax as a percentage of price. Varies enormously by state. |
| vaSubsequentUse | boolean | no | VA only: entitlement has been used before. |
| vaExemptFromFundingFee | boolean | no | VA only: exempt from the funding fee, for example a service-connected disability rating. |
| state | string | no | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | no | Annual property tax as a percentage of home value. Omit and pass state instead to use that state's average. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| homePrice | number | yes | Purchase price of the home in US dollars. |
| downPaymentPercent | number | no | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | no | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | no | Loan term in years. Most US mortgages are 15 or 30. |
| annualInsurance | number | no | Annual homeowners insurance premium. |
| monthlyHoa | number | no | Monthly HOA dues. |
| monthlyRent | number | yes | Current monthly rent for a comparable home. |
| annualRentIncreasePercent | number | no | Expected annual rent growth. |
| annualHomeAppreciationPercent | number | no | Expected annual home price growth. The answer is highly sensitive to this. |
| annualMaintenancePercent | number | no | Annual upkeep as a percentage of home value. Typically 1 to 2. |
| investmentReturnPercent | number | no | Return a renter earns on cash not tied up in a house. |
| sellingCostPercent | number | no | Cost of selling, including agent commission. |
| yearsToCompare | integer | no | Horizon of the comparison. |
| state | string | no | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | no | Annual property tax as a percentage of home value. Omit and pass state instead to use that state's average. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| scenarios | array | yes | Two to five loan scenarios to compare side by side. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| state | string | yes | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
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.
| Parameter | Type | Required | Notes |
|---|---|---|---|
| sortBy | string | no | Ordering of the returned list. |
| order | string | no | Sort direction. |
| limit | integer | no | How many states to return. |
Free
$0 forever
- Every tool — any call limit is its publisher’s, not ours
- No card, and mcprush charges nothing for it
- Runs at its publisher’s own address — this marketplace is not in the path
- Nothing to cap, because mcprush bills nothing
What counts against your monthly calls
| Tool | Unit | Calls used | Out of the allowance |
|---|
Nothing here is billable: mcprush charges nothing to install US Mortgage Calculator or to call it, at any volume.
Call allowance · this installenforced at the gateway
Monthly allowance, in calls
—
—
Alert at 80% · then the tool returns a normal MCP error
Used this month: —
—Grade not published
No rule-by-rule report on file for this release
Two independent axes, because powerful and malicious are different questions. The grade is threat only. The capability level is blast radius, and it is never a penalty on the grade — it is priced as one subtract-only term in the score, where you can see it.
This listing is an address its publisher runs, and you connect to it directly — this marketplace is not in the path. The scanner reads packages and public source, and an address is neither. So there is no grade — not a withheld one, an unmeasured one.
Release history
This is an address its publisher runs: which release it serves is theirs to choose, so there is nothing here to pin. The history below is for reading; the current release on file is 1.0.1.
1.0.1
undated
latestNo release note was published with this version.
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no reviews yet
Who can review
One review per account, from a signed-in account that does not publish this listing. Nothing else is asked — you can say what you think before you install it. Publishers can reply once per review, and a review can be edited or deleted by whoever wrote it.
Sign in to write one
Any signed-in account that does not publish US Mortgage Calculator can review it, once — before installing it or after. A review from an account that has installed it is marked as one.
No reviews yet
Nobody has reviewed this listing. The rating on the card is the mean of the reviews written here and nothing else, so there is no rating until somebody writes the first — which takes a signed-in account that does not publish it, and nothing else.