# US Mortgage Calculator Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## US Mortgage Calculator

Calculate monthly mortgage payments, affordability, property taxes, and refinancing options for US homes.

- Record: https://musedirectory.ai/connector/us-mortgage-calculator
- Category: Finance & Bills
- Developer: usmortgagecalc.com (https://www.usmortgagecalc.com)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 2426ms, checked 2026-09-28T07:30:54Z
- Endpoint: https://www.usmortgagecalc.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-09-24T02:15:50Z)
- Source: Found in the official MCP Registry (com.usmortgagecalc/mortgage) https://registry.modelcontextprotocol.io/v0/servers?search=com.usmortgagecalc%2Fmortgage

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.

Example request: "What would my monthly payment be on a $400,000 house with 20% down at 6.5% interest in Texas?"

How to connect: 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.

Tools:
- 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 and payoff timing. Pass a state name to use that state's average property tax rate. This is the right tool for 'what woul
- 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 the first years in detail, 'yearly' for a whole-term overview. Also reports how much sooner extra principal pays the loan 
- 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 78% loan-to-value. FHA: the 1.75% upfront premium, monthly MIP, and whether it runs for the life of the loan or ends af
- 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 the national average. For the mechanics behind the number — assessment basis, caps, exemptions, appeal deadlines — use g
- 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 is the binding constraint, which is the actionable part: a buyer limited by the back-end ratio can raise their budget b
- 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 catches the common trap where a lower payment costs more overall because the term was reset.
- 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 payment. Marks which items are worth shopping for and which are fixed by the county, and adds the FHA upfront premium, VA fund
- 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 renter earns on money not spent on a down payment. Returns the year buying overtakes renting. The result is highly sensitive
- 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 same loan. Use for 15-year versus 30-year, FHA versus conventional, competing lender quotes, or with and without discou
- 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, the filing deadline, who hears appeals and the window to file, notable county variation, and a link to the state's own tax
- 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 property taxes' directly. Call this to discover valid state names for the other tools.

Screening checks:
- MCP handshake: pass (Answered in 513ms)
- Domain against threat feeds (Cloudflare security DNS): pass (www.usmortgagecalc.com not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (11 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)