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8 clients · secrets stay placeholders

JSON (mcpServers)Claude CodeCodexOpenCodeCursorVS CodeGemini CLIGoose

{
  "mcpServers": {
    "candidcost": {
      "type": "http",
      "url": "https://candidcost.com/api/mcp"
    }
  }
}

claude mcp add --transport http candidcost https://candidcost.com/api/mcp

[mcp_servers.candidcost]
url = "https://candidcost.com/api/mcp"

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "candidcost": {
      "type": "remote",
      "url": "https://candidcost.com/api/mcp",
      "enabled": true
    }
  }
}

{
  "mcpServers": {
    "candidcost": {
      "type": "http",
      "url": "https://candidcost.com/api/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=candidcost&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vY2FuZGlkY29zdC5jb20vYXBpL21jcCJ9"
}

{
  "servers": {
    "candidcost": {
      "type": "http",
      "url": "https://candidcost.com/api/mcp"
    }
  }
}

{
  "mcpServers": {
    "candidcost": {
      "httpUrl": "https://candidcost.com/api/mcp"
    }
  }
}

extensions:
  "candidcost":
    enabled: true
    name: "candidcost"
    type: streamable_http
    uri: "https://candidcost.com/api/mcp"
    timeout: 300

Quality 85 / 100good

protocol75 · weight 25

warn
protocol.modernnewest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
n/a
protocol.statelessonly applies to 2026-07-28 servers
pass
protocol.transportstreamable HTTP
n/a
protocol.list_ttlonly applies to 2026-07-28 servers

authorizationn/a · weight 15

n/a
auth.prm, auth.as_metadata, auth.cimdno remote uses OAuth
n/a
auth.secret_in_urlno templated URL

tool hygiene86 · weight 30

pass
tools.descriptionsevery tool has a description
pass
tools.description_lengthdescriptions are concise
pass
tools.schemasevery tool has an object input schema
pass
tools.annotations10 of 10 tools declare readOnlyHint or destructiveHint
fail
tools.directory_hintsno tool declares all four of readOnlyHint, destructiveHint, idempotentHint and openWorldHint; missing: affordability_estimate (openWorldHint); fee_benchmarks (openWorldHint); search_dpa_programs (openWorldHint); …
pass
tools.token_costabout 3,276 tokens to load every tool
pass
tools.api_dumptools are not a one-to-one API dump

stability100 · weight 15

pass
stability.changesno tool changes in 30 days
pass
stability.rug_pullno tool changed its meaning under the same name

dependenciesn/a · weight 15

n/a
deps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI package

10 tools, about 3,276 tokens to load them all · tool set 34827ab61dc8 · checked 2026-10-20 08:58 UTC

Tool changes

No tool definition changes recorded. A server's first observation is its baseline; later probes record what changes.

Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. How it is computed.

Trust 89 / 100

provenance85

liveness100

freshness65

hygiene100

+repository +dns-namespace +website +reachable +uptime-100% ~updated-106d-ago

Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.

Endpoints

remote	auth	reachable	uptime 30d	p50	protocol	last ok
`https://candidcost.com/api/mcp` streamable-http	none	yes	100%	218 ms	2025-11-25	2026-10-20

Tools (10)

`affordability_estimate`read-only	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.
`benchmark_rates`read-only	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`read-only	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`read-only	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.
`payment_shock_estimate`read-only	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.
`pressure_check`read-only	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.
`rent_vs_buy_estimate`read-only	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.
`search_dpa_programs`read-only	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`read-only	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.
`verify_receipt`read-only	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.

Schemas: list_tools.

Similar MCP servers

Official server.json

{
  "name": "com.candidcost/mcp",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://candidcost.com/api/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "2.0.0",
  "repository": {
    "url": "https://github.com/RCOLKITT/candidcost",
    "source": "github"
  },
  "websiteUrl": "https://candidcost.com/for-agents",
  "description": "Cited, receipt-backed US home-buying data & calculators — education-only, every number sourced."
}

Candidcost