US Mortgage Calculator
Calculate monthly mortgage payments, affordability, property taxes, and refinancing options for US homes.
Comprehensive mortgage calculator covering monthly payments with taxes and insurance, amortization schedules, PMI costs, property tax by state, affordability analysis, refinancing decisions, closing costs, and rent-versus-buy comparisons.
Try asking Muse: "What would my monthly payment be on a $400,000 house with 20% down at 6.5% interest in Texas?"
Source: Found in the official MCP Registry (com.usmortgagecalc/mortgage) · First listed September 24, 2026
Last 24 hours
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://www.usmortgagecalc.com/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 2426ms. Worked in 100% of checks over 30 days.
Screening · September 24, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 11
calculate_mortgageFull 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 woulcalculate_amortizationPayment-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 calculate_pmiMortgage 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 afcalculate_property_taxAnnual 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 gcalculate_affordabilityMaximum 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 bcalculate_refinanceWhether 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.estimate_closing_costsLine-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 fundcalculate_rent_vs_buyCompares 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 sensitivecompare_loansCompares 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 discouget_state_mortgage_rulesHow 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 taxlist_statesEvery 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.Recent checks
Link
https://www.usmortgagecalc.com/mcpQuestions about US Mortgage Calculator in Muse
How do I connect US Mortgage Calculator to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use US Mortgage Calculator to help me. It is a free service with an MCP server at https://www.usmortgagecalc.com/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is US Mortgage Calculator working right now?
At the last check (September 28, 2026, 07:30 UTC) the endpoint was working, answering in 2426ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is US Mortgage Calculator safe to connect to Muse?
It was screened on September 24, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can US Mortgage Calculator do in Muse?
It exposes 11 tools, including calculate_mortgage, calculate_amortization, calculate_pmi, calculate_property_tax. For example, you could ask Muse: "What would my monthly payment be on a $400,000 house with 20% down at 6.5% interest in Texas?"
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