Return the maximum home price you can afford from income, monthly debts, down payment percent, rate, term, property tax, insurance, HOA, and a debt-to-income ratio, with the monthly payment breakdown at that price. Rates are yearly percentages.
This page documents the MCP tool findutils:home_affordability_calculator. See the REST reference →
Call it over MCP
Tool name findutils:home_affordability_calculator
· no API keys · 120 requests/min per IP
Claude Code
claude mcp add findutils --transport http https://mcp.findutils.com/Claude Desktop — claude_desktop_config.json
{
"mcpServers": {
"findutils": {
"url": "https://mcp.findutils.com/"
}
}
}Raw JSON-RPC (any MCP client) — verified example
curl -X POST https://mcp.findutils.com/ \
-H "Content-Type: application/json" \
-d '{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/call",
"params": {
"name": "home_affordability_calculator",
"arguments": {
"annual_income": 100000,
"monthly_debts": 500,
"down_payment_percent": 20,
"interest_rate": 6.5,
"loan_term_years": 30,
"dti_ratio": 36
}
}
}'Input schema
| Argument | Type | Required | Description |
|---|---|---|---|
| annual_income | number | yes | Gross yearly income. Must be > 0. |
| monthly_debts | number | no | Other monthly debt payments. Default: 0. |
| down_payment_percent | number | no | Down payment as a percent of the price. Must be < 100. Default: 20. |
| interest_rate | number | no | Yearly mortgage rate in percent. Default: 6.5. |
| loan_term_years | integer | no | Loan term in years. Default: 30. |
| property_tax_rate | number | no | Yearly property tax as a percent of the price. Default: 1.2. |
| insurance_annual | number | no | Yearly home insurance. Default: 1500. |
| hoa_monthly | number | no | Monthly HOA dues. Default: 0. |
| dti_ratio | number | no | Debt-to-income ratio in percent (28, 36, or 43 are common). Default: 36. |
Example arguments (verified)
{
"annual_income": 100000,
"monthly_debts": 500,
"down_payment_percent": 20,
"interest_rate": 6.5,
"loan_term_years": 30,
"dti_ratio": 36
}Also a REST endpoint
The same tool answers plain HTTP at
POST /api/tools/home-affordability-calculator/execute — no key, 60 requests/min.
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