Connection check
verified live · 20h ago
rcolkitt-mcp
Cited, receipt-backed US home-buying data & calculators — education-only, every number sourced.
Tools
10
GitHub stars
—
Installs / wk
—
Licence
—
Transport
streamable-http
Last checked
20h ago
Tools & capabilities
10 toolsRead from the running server on 20h ago.
affordability_estimate
read-only
termYearsdownPaymentmonthlyDebtsrateAnnualPctbackEndLimitPctinsuranceAnnual
+3
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 28/36 thresholds with… 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 28/36 thresholds without ever telling the user what they "can afford". Dollar inputs are US dollars; money in the response is integer cents.
benchmark_rates
read-only
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. Rates are fixed-prec… 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. Rates are fixed-precision percent strings.
decode_loan_estimate_fee
read-only
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 explanation and an ed… 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 explanation and an educational question a buyer could ask. Omit "fee" to list the full catalog.
fee_benchmarks
read-only
state*metric
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, first-lien, home-purchas… 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, first-lien, home-purchase loans. Cells with fewer than 25 records are suppressed. Dollar metrics are integer cents (…Cents); percent metrics are fixed-precision strings (…Pct). Each distribution carries a ledger receipt hash for verification.
payment_shock_estimate
read-only
statecountypurchasePrice*insuranceAnnualreassessRatePctsellersCurrentAnnualTax*
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 purchase price, and RESPA… 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 purchase price, and RESPA spreads the resulting escrow shortage over 12 months. Given the purchase price, the seller's current annual tax (from the listing), a state (or county FIPS) for the reassessment rate, and insurance, returns the year-1 escrow, the year-2 ongoing escrow, the temporary catch-up peak, and the jump. Money is integer cents. This decomposes the mechanics; it is not a prediction of your specific bill.
pressure_check
read-only
overpay*termYearsearnestMoney*rateAnnualPctdownPaymentPct
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 the earnest money at r… 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 the earnest money at risk, the overpay amount over your walk-away price, down-payment percent, rate, and term, returns the cash and financed shares of the overpay, the extra monthly P&I, the lifetime cost of overpaying, and its ratio to the earnest money. Money is integer cents. Educational decomposition — it names the two numbers so they can be compared; it never tells the user to walk or stay.
rent_vs_buy_estimate
read-only
homePrice*termYearshoaMonthlymonthlyRent*holdingYearsrateAnnualPct
+9
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 sale proceeds (appr… 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 sale proceeds (appreciated value − selling costs − remaining loan); renting nets rent paid against the investment gain on the cash a buyer would tie up. Dollar inputs are US dollars; money in the response is integer cents. Appreciation, rent growth, and investment return are user-set assumptions. Tax deductions are excluded (documented simplification). Educational decomposition — it reports both net costs and the break-even year; it never says rent or buy.
search_dpa_programs
read-only
buyerstate
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 carries a ledger rece… 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 carries a ledger receipt and last-verified date.
true_cost_estimate
read-only
statecountyhomePrice*termYearshoaMonthlyhomeYearBuilt
+6
Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "approval" payment (PIT… Estimate the full monthly cost of owning a home — principal & interest, property tax, insurance, PMI, HOA, and maintenance — and contrast it with the lender "approval" payment (PITI+PMI) to reveal the hidden monthly gap. Dollar inputs are US dollars; all money in the response is integer cents; rates are fixed-precision percent strings.
verify_receipt
read-only
hash*