# LIHTC Atlas: income limits, QCT/DDA and LIHTC properties

> LIHTC data: HUD income and rent limits, 2027 QCT/DDA checks, LIHTC properties, credit math.

- name: loans.lihtc/lihtc-loans
- version: 1.2026.1101.0
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/loans.lihtc%2Flihtc-loans
- tools: https://api.protogrid.dev/v1/servers/loans.lihtc%2Flihtc-loans/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "lihtc-loans": {
      "type": "http",
      "url": "https://lihtc.loans/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 97
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-93% +updated-12d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-06-18; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 10 of 10 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 1,873 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: no tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 10, about 1,873 tokens to load them all
- tool set hash: 0399734b502ef973a0a756f2edf5ed1f
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.lihtc/lihtc-loans.svg)](https://protogrid.dev/servers/loans.lihtc/lihtc-loans)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://lihtc.loans/mcp (streamable-http, auth none, reachable true, uptime30d 0.9347826)

## Packages

_none_

## Tools (10)

- `calculate_credits`: Annual and 10-year housing credits and equity from eligible basis, applicable fraction, credit type (4 or 9), the optional 130% basis boost and a credit price (default: the latest public median). Uses the statutory floor unless applicable_percentage is given. Same math as the lihtc.loans credit estimator.
- `calculate_max_rent`: Maximum LIHTC gross rent and tenant-paid rent for one unit: county, bedroom count and AMI level, less an optional utility allowance, from HUD FY2026 MTSP limits by the IRS Publication 5913 method, with the formula.
- `check_qct_dda`: Is a site in a Qualified Census Tract or Difficult Development Area on HUD's 2027 lists (and any newer year HUD has posted)? Give a US street address (geocoded by the Census Bureau), or lat + lon, or an 11-digit 2020 census tract. Returns the tract, county, ZCTA and metro area and one result per list year.
- `get_applicable_percentages`: The monthly 70% (9%) and 30% (4%) present value credit rates from the IRS revenue ruling, the statutory 9% and 4% floors and the rate a deal uses. Defaults to the latest month, with the last 12.
- `get_equity_pricing`: Median net equity price per $1 of federal housing credit from CohnReznick's Housing Tax Credit Monitor, the series since late 2024, and current national fund pricing ranges.
- `get_financing_quote_link`: The page where a developer or owner can request a financing quote for a 4% or 9% deal (construction, tax-exempt bond, bridge, permanent, Year 15) from Janover Capital LLC, and what the desk handles. Returns a link only; it submits nothing.
- `get_income_limits`: HUD FY2026 MTSP income limits for a county (town in New England): every level from 20% to 80% of area median for 1 to 8 persons, HERA Special limits where HUD lists them, the area median family income, and the maximum gross rent by bedroom count at each level (IRS Pub. 5913 method). Give state + county, or fips.
- `get_property`: Everything HUD's LIHTC database lists for one property (units, income-restricted units, bedrooms, placed-in-service and allocation years, credit type, bonds, income test, targeting), its compliance and extended-use years, 2027 QCT/DDA status, its county's 2026 50% and 60% limits and rents, and nearby properties. Give the page url or the HUD project id.
- `get_state_lihtc`: One state's allocating agency and LIHTC page, current Qualified Allocation Plan, state credit, 2026 9% credit ceiling and private activity bond cap (with the per-capita or minimum basis and population), and its count of 2027 QCTs and nonmetro DDA counties.
- `search_properties`: HUD-listed LIHTC properties still monitored for compliance, in one state, optionally one city and a name or street fragment, largest first. Each result has its lihtc.loans page URL and HUD project id for get_property. Covers cities with 5 or more monitored properties.