# com.usmortgagecalc/mortgage

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

- **Type:** MCP server
- **Trust:** 60/100 (B), scored on the content rubric
- **Verification:** community-indexed — nobody has claimed this listing
- **Version:** 1.0.1
- **Author:** com.usmortgagecalc
- **License:** Unknown
- **Endpoints:** streamable-http https://www.usmortgagecalc.com/mcp
- **Source:** https://www.usmortgagecalc.com
- **Endpoint health:** reachable (last checked 2026-09-25T21:50:06.576Z, 5 samples) — uptime is not a security property and is not part of the trust score
- **Compatible clients:** claude-code, cursor, copilot, chatgpt, gemini (basis: transport)

## Trust

60/100 (B), scored on the content rubric
- Publisher verified: no
- Install scripts: nothing suspicious found
- Prompt-injection scan: clean
- Obfuscation scan: clean
- Evidence age: 8 days

## Security scan

- **Status:** clean
- **Scanned:** 2026-09-25T21:50:06.576Z
- **Version scanned:** live
- **CVEs:** no coverage — this entry has no package coordinates to query OSV against, so "no known CVEs" is NOT asserted for it.

## Tools

11 declared. Observed from a live `tools/list` probe.
- `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 

## Install

**Verdict: review** — Installable, but 2 things to check first: No CVE coverage: this entry has no npm/PyPI coordinates to query OSV against, so "no known vulnerabilities" is not a claim that can be made about it.
**Cautions** (coverage gaps and advisories — never blocking)
- No CVE coverage: this entry has no npm/PyPI coordinates to query OSV against, so "no known vulnerabilities" is not a claim that can be made about it.
- No publisher has proved control of this listing; it is indexed, not vouched for.
**Config** (claude-code):
```json
"{\n  \"mcpServers\": {\n    \"mortgage\": {\n      \"type\": \"http\",\n      \"url\": \"https://www.usmortgagecalc.com/mcp\"\n    }\n  }\n}"
```

## Blast radius

Contained to moderate — no credential declaration found, from the publisher, the upstream registry, or the README. Known so far: runs on someone else's infrastructure; read-only tool surface.
- Floor 9, ceiling 27 (tier: unknown)
- `unknown` means the floor and ceiling land in different bands — not measured enough to name one. It does not mean low.
- This is impact, not likelihood. A high radius is not a defect: a filesystem server is supposed to write files. It is never part of the trust score.

## Machine-readable views of this entry

- Signed JSON: https://forgeregistry.com/api/v1/packages/com.usmortgagecalc%2Fmortgage
- Install plan: https://forgeregistry.com/api/v1/packages/com.usmortgagecalc%2Fmortgage/install-plan
- Alternatives: https://forgeregistry.com/api/v1/alternatives/com.usmortgagecalc%2Fmortgage
- HTML page: https://forgeregistry.com/registry/com.usmortgagecalc%2Fmortgage
- MCP: POST https://forgeregistry.com/api/mcp → `forge_get_package` / `forge_install_plan`

## About this document

Generated by Forge (https://forgeregistry.com) — a compact rendering of the same record served, signed, at the JSON URL above. Trust and scan facts are the registry's own measurements; anything Forge did not measure is named as unmeasured rather than omitted.