Home Affordability Calculator MCP tool

• annual_income

  number required

  Gross yearly income. Must be > 0.

• monthly_debts

  number optional

  Other monthly debt payments. Default: 0.

• down_payment_percent

  number optional

  Down payment as a percent of the price. Must be < 100. Default: 20.

• interest_rate

  number optional

  Yearly mortgage rate in percent. Default: 6.5.

• loan_term_years

  integer optional

  Loan term in years. Default: 30.

• property_tax_rate

  number optional

  Yearly property tax as a percent of the price. Default: 1.2.

• insurance_annual

  number optional

  Yearly home insurance. Default: 1500.

• hoa_monthly

  number optional

  Monthly HOA dues. Default: 0.

• dti_ratio

  number optional

  Debt-to-income ratio in percent (28, 36, or 43 are common). Default: 36.

{
  "annual_income": 100000,
  "monthly_debts": 500,
  "down_payment_percent": 20,
  "interest_rate": 6.5,
  "loan_term_years": 30,
  "dti_ratio": 36
}