Server definition
- Hash
- sha256:1b7d36ed342c408352418c2a45655cfa1a6a34545218217a2f87b01ce0a7166d
- What it is
- What a remote MCP server returned when asked what it offers: 11 tools
The blob, as servednamed by its sha256
{
"instructions": "US mortgage calculations and 50-state property tax reference data.\n\nMost tools accept either `state` (a full US state name) or an explicit\n`propertyTaxRatePercent`. Prefer passing the state — the tool then uses that\nstate's average effective rate and tells you what it used. Call list_states\nto discover valid names.\n\nEverything here is an estimate built from published averages. It is not a\nloan offer, a rate quote, or financial advice, and this service is not a\nlender and cannot accept an application. Say so when presenting results,\nand prefer reporting the returned `disclaimer` and `assumptions` alongside\nthe numbers rather than presenting figures as though they were quotes.\n\nThere is no live interest rate feed: rates are supplied by the caller and\ndefault to a placeholder. If a user has a real quoted rate, pass it.",
"tools": [
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Maximum affordable home price from income, debts and available down payment.",
"properties": {
"annualGrossIncome": {
"description": "Household income before tax, in US dollars per year.",
"exclusiveMinimum": 0,
"type": "number"
},
"annualInsurance": {
"default": 1800,
"description": "Annual homeowners insurance premium.",
"minimum": 0,
"type": "number"
},
"annualInterestRatePercent": {
"default": 6.5,
"description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"backEndRatioPercent": {
"default": 36,
"description": "Maximum total debt as a share of gross income. 36 is conservative; lenders often allow 45 and sometimes 50.",
"maximum": 100,
"minimum": 1,
"type": "number"
},
"downPaymentAmount": {
"description": "Cash available for the down payment, in US dollars. A dollar amount, not a percentage.",
"minimum": 0,
"type": "number"
},
"frontEndRatioPercent": {
"default": 28,
"description": "Maximum housing cost as a share of gross income. 28 is the conservative standard.",
"maximum": 100,
"minimum": 1,
"type": "number"
},
"loanTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"monthlyDebtPayments": {
"default": 0,
"description": "Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing.",
"minimum": 0,
"type": "number"
},
"monthlyHoa": {
"default": 0,
"description": "Monthly HOA dues.",
"minimum": 0,
"type": "number"
},
"propertyTaxRatePercent": {
"description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
}
},
"required": [
"annualGrossIncome",
"downPaymentAmount"
],
"type": "object"
},
"name": "calculate_affordability",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Amortization schedule showing how each payment splits between principal and interest.",
"properties": {
"annualInsurance": {
"default": 1800,
"description": "Annual homeowners insurance premium in US dollars.",
"minimum": 0,
"type": "number"
},
"annualInterestRatePercent": {
"default": 6.5,
"description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"downPaymentPercent": {
"default": 20,
"description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.",
"maximum": 100,
"minimum": 0,
"type": "number"
},
"granularity": {
"default": "yearly",
"description": "Yearly returns one row per year; monthly returns one row per payment, up to 600 rows.",
"enum": [
"yearly",
"monthly"
],
"type": "string"
},
"homePrice": {
"description": "Purchase price of the home in US dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"type": "number"
},
"loanTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"loanType": {
"default": "conventional",
"description": "Loan programme. Affects mortgage insurance and upfront fees.",
"enum": [
"conventional",
"fha",
"va",
"usda"
],
"type": "string"
},
"monthlyExtraPrincipal": {
"default": 0,
"description": "Additional principal paid each month. Shortens the loan rather than lowering the payment.",
"minimum": 0,
"type": "number"
},
"monthlyHoa": {
"default": 0,
"description": "Monthly homeowners association dues in US dollars.",
"minimum": 0,
"type": "number"
},
"propertyTaxRatePercent": {
"description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
}
},
"required": [
"homePrice"
],
"type": "object"
},
"name": "calculate_amortization",
"outputSchema": null
},
{
"description": "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 $400,000 house'.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Full monthly housing cost: principal, interest, taxes, insurance, PMI and HOA.",
"properties": {
"annualInsurance": {
"default": 1800,
"description": "Annual homeowners insurance premium in US dollars.",
"minimum": 0,
"type": "number"
},
"annualInterestRatePercent": {
"default": 6.5,
"description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"downPaymentPercent": {
"default": 20,
"description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.",
"maximum": 100,
"minimum": 0,
"type": "number"
},
"homePrice": {
"description": "Purchase price of the home in US dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"type": "number"
},
"loanTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"loanType": {
"default": "conventional",
"description": "Loan programme. Affects mortgage insurance and upfront fees.",
"enum": [
"conventional",
"fha",
"va",
"usda"
],
"type": "string"
},
"monthlyExtraPrincipal": {
"default": 0,
"description": "Additional principal paid each month. Shortens the loan rather than lowering the payment.",
"minimum": 0,
"type": "number"
},
"monthlyHoa": {
"default": 0,
"description": "Monthly homeowners association dues in US dollars.",
"minimum": 0,
"type": "number"
},
"propertyTaxRatePercent": {
"description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
}
},
"required": [
"homePrice"
],
"type": "object"
},
"name": "calculate_mortgage",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Mortgage insurance for any programme: conventional PMI with its cancellation point, FHA MIP and upfront premium, the VA funding fee, or USDA fees.",
"properties": {
"annualInterestRatePercent": {
"default": 6.5,
"description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"creditScore": {
"description": "FHA only: sets the minimum down payment. 580+ qualifies for 3.5%.",
"maximum": 850,
"minimum": 300,
"type": "integer"
},
"downPaymentPercent": {
"default": 10,
"description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.",
"maximum": 100,
"minimum": 0,
"type": "number"
},
"homePrice": {
"description": "Purchase price of the home in US dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"type": "number"
},
"loanTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"loanType": {
"default": "conventional",
"description": "Loan programme. Affects mortgage insurance and upfront fees.",
"enum": [
"conventional",
"fha",
"va",
"usda"
],
"type": "string"
},
"monthlyExtraPrincipal": {
"default": 0,
"description": "Extra principal paid monthly.",
"minimum": 0,
"type": "number"
},
"vaExemptFromFundingFee": {
"default": false,
"description": "VA only: funding fee waived.",
"type": "boolean"
},
"vaSubsequentUse": {
"default": false,
"description": "VA only: entitlement used before.",
"type": "boolean"
}
},
"required": [
"homePrice"
],
"type": "object"
},
"name": "calculate_pmi",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"homePrice": {
"description": "Home value in US dollars.",
"exclusiveMinimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\".",
"minLength": 2,
"type": "string"
}
},
"required": [
"homePrice",
"state"
],
"type": "object"
},
"name": "calculate_property_tax",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Refinance break-even in months, plus the effect on lifetime interest.",
"properties": {
"closingCosts": {
"description": "Total cost to close the refinance, in US dollars.",
"minimum": 0,
"type": "number"
},
"currentAnnualRatePercent": {
"description": "Interest rate on the existing loan.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"currentBalance": {
"description": "Remaining principal on the existing loan.",
"exclusiveMinimum": 0,
"type": "number"
},
"currentRemainingTermMonths": {
"description": "Months still to run on the existing loan.",
"exclusiveMinimum": 0,
"maximum": 600,
"type": "integer"
},
"financeClosingCosts": {
"default": false,
"description": "Roll closing costs into the new balance instead of paying cash.",
"type": "boolean"
},
"newAnnualRatePercent": {
"description": "Interest rate being offered.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"newTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
}
},
"required": [
"currentBalance",
"currentAnnualRatePercent",
"currentRemainingTermMonths",
"newAnnualRatePercent",
"closingCosts"
],
"type": "object"
},
"name": "calculate_refinance",
"outputSchema": null
},
{
"description": "Compares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, and the return a renter earns on money not spent on a down payment. Returns the year buying overtakes renting. The result is highly sensitive to the appreciation and investment-return assumptions, which are returned alongside it.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Rent versus buy compared on net wealth, with the year buying pulls ahead.",
"properties": {
"annualHomeAppreciationPercent": {
"default": 3,
"description": "Expected annual home price growth. The answer is highly sensitive to this.",
"maximum": 20,
"minimum": -10,
"type": "number"
},
"annualInsurance": {
"default": 1800,
"description": "Annual homeowners insurance premium.",
"minimum": 0,
"type": "number"
},
"annualInterestRatePercent": {
"default": 6.5,
"description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"annualMaintenancePercent": {
"default": 1,
"description": "Annual upkeep as a percentage of home value. Typically 1 to 2.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"annualRentIncreasePercent": {
"default": 3,
"description": "Expected annual rent growth.",
"maximum": 20,
"minimum": -10,
"type": "number"
},
"downPaymentPercent": {
"default": 20,
"description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.",
"maximum": 100,
"minimum": 0,
"type": "number"
},
"homePrice": {
"description": "Purchase price of the home in US dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"type": "number"
},
"investmentReturnPercent": {
"default": 6,
"description": "Return a renter earns on cash not tied up in a house.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"loanTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"monthlyHoa": {
"default": 0,
"description": "Monthly HOA dues.",
"minimum": 0,
"type": "number"
},
"monthlyRent": {
"description": "Current monthly rent for a comparable home.",
"exclusiveMinimum": 0,
"type": "number"
},
"propertyTaxRatePercent": {
"description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"sellingCostPercent": {
"default": 6,
"description": "Cost of selling, including agent commission.",
"maximum": 20,
"minimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
},
"yearsToCompare": {
"default": 30,
"description": "Horizon of the comparison.",
"maximum": 50,
"minimum": 1,
"type": "integer"
}
},
"required": [
"homePrice",
"monthlyRent"
],
"type": "object"
},
"name": "calculate_rent_vs_buy",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Compare loan options. Reports the cheapest by monthly payment and by lifetime cost separately, because they often differ.",
"properties": {
"scenarios": {
"description": "Two to five loan scenarios to compare side by side.",
"items": {
"properties": {
"input": {
"description": "Full monthly housing cost: principal, interest, taxes, insurance, PMI and HOA.",
"properties": {
"annualInsurance": {
"default": 1800,
"description": "Annual homeowners insurance premium in US dollars.",
"minimum": 0,
"type": "number"
},
"annualInterestRatePercent": {
"default": 6.5,
"description": "Annual nominal interest rate as a percentage, for example 6.5 for 6.5%.",
"maximum": 30,
"minimum": 0,
"type": "number"
},
"downPaymentPercent": {
"default": 20,
"description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.",
"maximum": 100,
"minimum": 0,
"type": "number"
},
"homePrice": {
"description": "Purchase price of the home in US dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"type": "number"
},
"loanTermYears": {
"default": 30,
"description": "Loan term in years. Most US mortgages are 15 or 30.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"loanType": {
"default": "conventional",
"description": "Loan programme. Affects mortgage insurance and upfront fees.",
"enum": [
"conventional",
"fha",
"va",
"usda"
],
"type": "string"
},
"monthlyExtraPrincipal": {
"default": 0,
"description": "Additional principal paid each month. Shortens the loan rather than lowering the payment.",
"minimum": 0,
"type": "number"
},
"monthlyHoa": {
"default": 0,
"description": "Monthly homeowners association dues in US dollars.",
"minimum": 0,
"type": "number"
},
"propertyTaxRatePercent": {
"description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
}
},
"required": [
"homePrice"
],
"type": "object"
},
"label": {
"description": "Name for this option, for example \"30-year fixed\".",
"minLength": 1,
"type": "string"
}
},
"required": [
"label",
"input"
],
"type": "object"
},
"maxItems": 5,
"minItems": 2,
"type": "array"
}
},
"required": [
"scenarios"
],
"type": "object"
},
"name": "compare_loans",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Itemised buyer closing costs and total cash needed at the table.",
"properties": {
"annualInsurance": {
"default": 1800,
"description": "Annual homeowners insurance premium.",
"minimum": 0,
"type": "number"
},
"downPaymentPercent": {
"default": 20,
"description": "Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.",
"maximum": 100,
"minimum": 0,
"type": "number"
},
"escrowMonths": {
"default": 3,
"description": "Months of taxes collected up front to open the escrow account.",
"maximum": 12,
"minimum": 0,
"type": "integer"
},
"homePrice": {
"description": "Purchase price of the home in US dollars.",
"exclusiveMinimum": 0,
"maximum": 100000000,
"type": "number"
},
"loanType": {
"default": "conventional",
"description": "Loan programme. Affects mortgage insurance and upfront fees.",
"enum": [
"conventional",
"fha",
"va",
"usda"
],
"type": "string"
},
"propertyTaxRatePercent": {
"description": "Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.",
"maximum": 10,
"minimum": 0,
"type": "number"
},
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
},
"transferTaxPercent": {
"default": 0.4,
"description": "State and local transfer tax as a percentage of price. Varies enormously by state.",
"maximum": 5,
"minimum": 0,
"type": "number"
},
"vaExemptFromFundingFee": {
"default": false,
"description": "VA only: exempt from the funding fee, for example a service-connected disability rating.",
"type": "boolean"
},
"vaSubsequentUse": {
"default": false,
"description": "VA only: entitlement has been used before.",
"type": "boolean"
}
},
"required": [
"homePrice"
],
"type": "object"
},
"name": "estimate_closing_costs",
"outputSchema": null
},
{
"description": "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.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "Property tax mechanics, exemptions, appeal windows and county variation for one state.",
"properties": {
"state": {
"description": "Full US state name, for example \"Texas\". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.",
"minLength": 2,
"type": "string"
}
},
"required": [
"state"
],
"type": "object"
},
"name": "get_state_mortgage_rules",
"outputSchema": null
},
{
"description": "Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest property taxes' directly. Call this to discover valid state names for the other tools.",
"inputSchema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"description": "All 50 states with average property tax rate, median home value and estimated annual tax.",
"properties": {
"limit": {
"default": 50,
"description": "How many states to return.",
"maximum": 50,
"minimum": 1,
"type": "integer"
},
"order": {
"default": "asc",
"description": "Sort direction.",
"enum": [
"asc",
"desc"
],
"type": "string"
},
"sortBy": {
"default": "name",
"description": "Ordering of the returned list.",
"enum": [
"name",
"taxRate",
"medianHomeValue"
],
"type": "string"
}
},
"type": "object"
},
"name": "list_states",
"outputSchema": null
}
]
}Verify it yourself
curl -s https://api.teppi.xyz/v1/evidence/sha256:1b7d36ed342c408352418c2a45655cfa1a6a34545218217a2f87b01ce0a7166d | sha256sum