ZBS Index What actually exists in applied AI, with the source next to it

mcp server

mcp

Cited, receipt-backed US home-buying data & calculators — education-only, every number sourced.

Description as published by the maintainer. Source

  • version 2.0.0
  • archived

archived — The linked repository returns 404. It was deleted, renamed or made private.

What this server can do

10 functions, named and described by the server itself. Parameter names are shown because they say more about what a function does than its name usually does.

affordability_estimate(termYears, downPayment, monthlyDebts, rateAnnualPct, backEndLimitPct, insuranceAnnual, frontEndLimitPct, grossMonthlyIncome, propertyTaxRatePct)
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. Required: grossMonthlyIncome.
benchmark_rates
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(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 educational question a buyer could ask. Omit "fee" to list the full catalog.
fee_benchmarks(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-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. Required: state.
payment_shock_estimate(state, county, purchasePrice, insuranceAnnual, reassessRatePct, sellersCurrentAnnualTax)
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. Required: purchasePrice, sellersCurrentAnnualTax.
pressure_check(overpay, termYears, earnestMoney, rateAnnualPct, downPaymentPct)
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. Required: earnestMoney, overpay.
rent_vs_buy_estimate(homePrice, termYears, hoaMonthly, monthlyRent, holdingYears, rateAnnualPct, closingCostPct, downPaymentPct, sellingCostPct, insuranceAnnual, maintenanceRatePct, propertyTaxRatePct, investmentReturnPct, annualAppreciationPct, annualRentIncreasePct)
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. Required: homePrice, monthlyRent.
search_dpa_programs(buyer, state)
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(state, county, homePrice, termYears, hoaMonthly, homeYearBuilt, rateAnnualPct, downPaymentPct, insuranceAnnual, pmiAnnualRatePct, maintenanceRatePct, propertyTaxRatePct)
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. Required: homePrice.
verify_receipt(hash)
Verify a CandidCost ledger receipt hash (full sha256 or short "3f9a…c21e" form). Confirms the receipt exists and that its dataset hash chain is intact, proving the underlying data has not been altered since ingestion. Required: hash.

Last successful function declaration observed on . Source: https://candidcost.com/api/mcp. We list what the server declared; we do not call any of these functions.

Endpoint status observed on . Source: https://candidcost.com/api/mcp.

Signals

These are separate measurements of different things. They are deliberately not combined into one score, because a popularity number that mixes website traffic with saves and stars cannot be checked or acted on.

Signal Value What it measures Window Observed Source
Latest published version 2.0.0 Latest version string the maintainer published to the registry. as of fetch Model Context Protocol
Registry record last updated 2026-07-06 When the registry record was last updated by its maintainer. point in time Model Context Protocol
First listed in the MCP Registry 2026-07-06 Date this server was first published to the official MCP Registry. Not a usage or quality measure. point in time Model Context Protocol
repository status not_found GitHub returned 404 for the repository the maintainer listed. The project was deleted, renamed or made private, so the listing points at nothing. as of fetch GitHub
mcp tools declared 10 tools Number of functions the server itself declared when asked to list them. This is what the server offers an agent, not a measure of how well any of them work. as of probe candidcost.com
mcp endpoint status ok The server listed 10 functions when asked. as of probe candidcost.com

Where to get it

Also from rcolkitt

This record as data

Every field on this page, with its source and observation date, is in the catalog JSON. Fetch the whole kind at once instead of parsing this HTML.

GET /api/v1/entries/mcp_server.json

Sources

  1. RCOLKITT/candidcost on GitHub — GitHub, observed , trust tier 3.
  2. Tools declared by the MCP server at https://candidcost.com/api/mcp — candidcost.com, observed , trust tier 1.
  3. Official MCP Registry — Model Context Protocol, observed , trust tier 1.